(Closed) How many people have joint checking accounts?

posted 6 years ago in Married Life
  • poll: Do you and your husband have a joint checking account?
    Yes, and all of our money goes into the joint account. : (118 votes)
    46 %
    Yes, but we each have our own separate accounts also. : (89 votes)
    35 %
    No, but we plan to. : (28 votes)
    11 %
    No, and we plan to keep our finances separate. : (20 votes)
    8 %
  • Post # 3
    Member
    5494 posts
    Bee Keeper
    • Wedding: August 2011

    Yes we do.  All our finances are joint 100%

    Post # 4
    Member
    10288 posts
    Sugar Beekeeper
    • Wedding: October 2011

    We had a joint account long before we were married. We opened one after we had been living together for a few years and it’s been bliss ever since. Its nice to not have to deal with the whole “my money, your money” thing.

    All of our money goes into the joint and then we each have our own savings accounts that get the same amount of automatic transfer per week. I like having my own savings so that I can buy gifts for Darling Husband without him knowing. 

    Post # 5
    Member
    1061 posts
    Bumble bee
    • Wedding: December 2011

    Ugh, I am literally in the process of setting up all of our banking on the computer.  It is a disaster.

    After we got engaged and moved in together, we basically had a what’s mine is yours policy, but going through the official processing of merging is really overwhelming.

    We are going to each maintain our own accounts where we get a little play money for day-to-day stuff and gifts.

    Post # 6
    Member
    14440 posts
    Honey Beekeeper
    • Wedding: June 2011

    Sort of I think.  We still have our own accts and manage our “own” money and credit cards, but we added each other on our accounts (both at the same bank) so we have access to each others.

     

    Post # 7
    Member
    314 posts
    Helper bee
    • Wedding: May 2012

    I am not maried yet, but that is something we have def. talked about and we both want to keep separate bank accounts. We make significantl different amiantus of money and even though we share the bills 50/50 we still both like to be in charge of our own money coming in and we can;t agree on whose bank to use. We have talked about possibly opening a joint account and having a percentage of money auto transferred to make paying bills easier.

    Post # 8
    Member
    1613 posts
    Bumble bee
    • Wedding: October 2011

    We orginally thought about having our finances separate, but after meeting with our pastor, he told us the #1 thing we can do to prevent unnecessary agruments is to merge our bank accounts together….especially if one makes more than the other.  So far it’s been working great, and I feel like we spend less than we would if we had separate accounts.  I don’t impulse buy as much, and he doesn’t spend as much on fast food (his guilty pleasure- haha)!

    Post # 9
    Member
    3969 posts
    Honey bee
    • Wedding: September 2014

    My SO and I have discussed this (only briefly, so this isn’t a definite at this point) but we both really liked having a joint account (where the majority of pay checks would go– for bills and savings) and a small percentage of each of our paychecks (say, 10%) goes to our personal account for our own spending money.

    Post # 10
    Member
    4676 posts
    Honey bee
    • Wedding: August 2012

    @cherrycoke:  Yes…  this is what happened when we joined our accounts…  I feel more guilty about spending on things that I wouldn’t if it were just my money. 

    Post # 11
    Member
    1944 posts
    Buzzing bee
    • Wedding: June 2009

    Everything is joint for us and after almost 3 years have never had an issue or fight.

    Post # 12
    Member
    1941 posts
    Buzzing bee
    • Wedding: June 2012

    After living together for about a year, we opened a new account together and changed our direct deposit info w/ our jobs. We each have our own credit cards for gifts, but everything else comes out of the joint checking. We also have a joint savings that we put money into every week.

    Post # 13
    Member
    2776 posts
    Sugar bee
    • Wedding: September 2012

    We started a joint account so we can put aside money strictly for wedding stuff. We still have our own accounts though and we’ll probably keep it that way even after we get married.

    Post # 14
    Member
    1613 posts
    Bumble bee
    • Wedding: October 2011

    @love108:  I know, sometimes it sucks b/c I want some stuff but in the end it’s good b/c that means we are saving more….especially since we are looking to buy/build a home within the next few months. 🙂

    Post # 15
    Member
    1133 posts
    Bumble bee

    We plan on having separate accounts even after marriage. We have our bills separate, he pays this, I pay that. It works for us 🙂 Since he makes more, if I were to need something or more money for something I just simply ask him to give it to me! Lol. 🙂

    Post # 16
    Member
    10571 posts
    Sugar Beekeeper
    • Wedding: January 2011

    We were going to have joint & separate accounts, but got really fed up with the bank where we set up a joint account.  Now, DH’s original separate account is our joint and I still have a separate one.  He has a separate TFSA, but not a spending account.  We do have joint & separate credit cards (or will when my joint card finally arrives).

    We still view our separate accounts as ‘our money’, but allows us to do things like buy presents for each other.

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