(Closed) Do you have joint or seperate finances?

posted 6 years ago in Relationships
  • poll: Do you have joint or seperate finances?
    completely seperate : (34 votes)
    27 %
    personal accounts linked to a joint account : (37 votes)
    30 %
    personal accounts linked : (4 votes)
    3 %
    completely joint : (41 votes)
    33 %
    other : (9 votes)
    7 %
  • Post # 3
    Member
    5921 posts
    Bee Keeper
    • Wedding: December 2010

    We have completely joint finances, and have since we moved in together.

    Post # 4
    Member
    3978 posts
    Honey bee
    • Wedding: May 2011

    We have a joint account that I have the card to but he has access to online. All bills come out of it.

    We have two separate personal accounts linked to the joint which I use for personal stuff and he uses for any debits he does.

    And we have a savings account that only I have access to. I tend to be a bit more responsible about money so I keep him accountable (and try not to be overly stingy).

    Post # 5
    Member
    13017 posts
    Honey Beekeeper
    • Wedding: November 1999

    We have separate finances and will keep them separate until we get married.  We split the cost of everything that’s joint (rent, food, bills, etc), but the accounts themselves are separate because of weird securities law and liabiltiies stemming from them (things I don’t understand, but Fiance is an attorney so he knows what he’s talking about!)

    Post # 5
    Member
    444 posts
    Helper bee
    • Wedding: September 2012

    We have our own checking and savings liked to a joint savings, works well, we are both savers and talk about things together all the time 🙂

    Post # 6
    Member
    544 posts
    Busy bee
    • Wedding: October 2012

    We consolidated our bank accounts at one bank when we moved in together. We each have our own separate accounts and then a joint account for bills/expenses and a joint wedding account. Our paychecks directly deposit a portion into each joint account and the remainder into the separate accounts (checking/savings).  We love it this way because it allows us to comfortably pay our bills, plus pay our own debts (car payments, student loans, credit cards), and we still have separate accounts and can take each other on dates, etc.

    I was put in charge of finances since I have more accessibility to pay our bills online, transfer funds, etc. It works really, really well.  After we’re married and refinance the house (add me), combine the cell phone plans and insurances, we’ll probably discuss going totally joint with smaller individual spending accounts.

    Post # 7
    Member
    2095 posts
    Buzzing bee
    • Wedding: September 2011

    We have a joint account that pays for everything, then we each have a separate account we use for spending money. Then bill money isn’t getting used for play

    Post # 8
    Member
    14497 posts
    Honey Beekeeper
    • Wedding: June 2011

    It’s linked, and our names are on all our accounts so I guess they are jointed, but we just added each other to our accounts in case we needed to access it.  We still sort of manage our “own” money and accounts though.  It was easier for us to continue to maintain our own accounts since we already had bill pays linked to them and was too lazy to change them.   We have no division of money, but also live below our means and make almost exactly the same so there’s no issue with who’s spending how much of who’s money and having to maintain a strict budget.

    Post # 9
    Member
    5977 posts
    Bee Keeper

    We’re totally joint. We both know we aren’t going anywhere! I usually take care of most of the bills and finance stuff since I graduated with an accounting degree and am so anal about our checkbook balancing to the penny. He knows fully what’s going on though and knows all of the passwords to all of our accounts including my email. God forbid something happen to me and he can’t access my email to see what bills are coming through. But every financial decision is made together, and we’re pretty good savers!

    Post # 10
    Member
    2280 posts
    Buzzing bee
    • Wedding: April 2011

    My husband and I have completely joint finances. We each have access to everything. It’s the simplest option, we’re both responsible about money, and we have no reason to keep private accounts.

    Post # 11
    Hostess
    18643 posts
    Honey Beekeeper
    • Wedding: June 2009

    We have completely joint everything.  We each have a CC in our own name to keep up our individual credit but I have access to all accounts.

    Post # 12
    Member
    680 posts
    Busy bee
    • Wedding: February 2012

    We have separate accounts & have even though we’ve been living together for a few years. Now that we’re married (woohoo!) I’m not sure if we’ll keep going on as we have since it’s been working fine. But I imagine we’ll eventually pool everything together into one account.

    Post # 13
    Member
    1729 posts
    Bumble bee
    • Wedding: December 2012

    we are pretty much exactly like abbie 07..everythings seperate til after the wedding but we split the bills in half

    Post # 14
    Member
    915 posts
    Busy bee
    • Wedding: December 2012

    We have separate everything, there is a “bills account” in my name that we each deposit the same amount into every month. Other then that I have my own checking, savings, credit cards…. 

    I am nervous about joining everything after we get married, I love the way Kayla Way does it and I think that would work great with us. 

    Post # 15
    Member
    194 posts
    Blushing bee
    • Wedding: September 2013

    We don’t yet, but we have talked about this. When we get married I refuse to have a joint account with him. He is not very good with money. He’s getting better with it every paycheck, but I refuse…especially right now. But I will have him on my account and I’ll be on his just in case there is an emergancy.  My parents had a joint account for 20 years and then my mom started working at a bank and they made her open an account with them so she has her own but both parents have access. At least 2 sets of my best friends and their husbands are the same way. Separate accounts but they have access.

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