Post # 1
Member
1566 posts
Bumble bee
DH does not want to join our accounts/open a joint account.. How do I explain to him that this is better for the household, making things easier financially? He says he “doesn’t want to do another checkbook”.. He wouldn’t be.. His current account could be just for savings; same as mine would be (with the exception of the monthly loan payment that is through said bank, and cannot be moved, that money would be deposited directly out of my paycheck, and never truly missed).. Am I wrong in thinking a joint account will make things easier? -confused-
Post # 3
Member
1063 posts
Bumble bee
We had a joint account for a while, and found that it’s actually easier to have a joint credit card. Either is better than having two separate accounts, in my opinion (you pay for groceries on Tuesday, I’ll pay for them on Thursday, ughhhh).
Post # 4
Member
5279 posts
Bee Keeper
At first we were not going to have a joint account – but trust me, it makes things SO much easier, espicially for mortgage and bills.
What we did to make the transistion is his account became our joint account. My account was closed. And our savings account (which was joined anyway) stayed the same.
We have seperate credit cards though.
Post # 5
Member
625 posts
Busy bee
we both have our own accounts and one joint account. but i manage the joint and my own and he deposits what i tell him to lol.
Post # 6
Member
920 posts
Busy bee
We have separate accounts right now and plan to join after we get married. Right now, it’s me paying ALL the bills, then emailing him at the end of the month the amount he owes for his share. Then he writes me a check which I have to deposit (mobile deposit has helped). When we eat out, it’s me paying this time, he pays next time. It’s really annoying and such a pain. We look like idiots at a restaurant trying to decide who’s paying, and sometimes we still split it. We will keep our own separate credit cards for personal uses (lunch out, gifts, etc). I can’t wait to put all this separation behind.
Post # 7
Member
1566 posts
Bumble bee
@jdhall89:
@AnnieAAA: These are the points I”m trying to make with him!
@CTbride2010: That wouldn’t fly lol.. he makes a lot more money than I do, but, I pay most of our “utility” bills
Post # 8
Member
3507 posts
Sugar bee
@MrsPaperFlowers: Me and FH both have our own personal account as well as a joint account through the same bank so it makes it really easy to transfer money will still have our of personal money as well.
Post # 9
Member
2490 posts
Buzzing bee
My fiance doesn’t want joint accounts either. He had joint everything with his ex wife and she spent almost 200k in the two years they were married and now he’s scarred. He likes to see his account building and I think he’s scared to share that with someone.
I, on the other hand, think we should have joint accounts. I was married before too and my ex was terrible with money and ended up with a lot of debt that I had no idea about. I know my fiance wouldn’t do that but I’m a little scarred to and I would just like the openness of having everything shared.
My fiance pays the bigger bills and I pay the small ones, I usually buy groceries and he pays when we go out. I just don’t like the feeling of “I bought this” or “you paid for that”, I think it should all be “we”. I’m not really sure what we will end up doing though.
Post # 10
Member
3173 posts
Sugar bee
We have four accounts – one joint checking, one joint savings, and two separate checking accounts. All four are linked. We get paid on opposite weeks so every week we automatically transfer $X into our savings and then $X into our joint accounts. My husband sees it as our money and that it wouldn’t be fair if my extra money was less than his eventhough I am making less than him.
We pay almost everything on our joint rewards credit card though. Almost all other bills are set up on billpay with our bank. I try to get things paid the 1st and the 15th of the month to ensure that we always have enough money.
Post # 11
Member
1566 posts
Bumble bee
@eecuadrado: We are both in seperate banks, I won’t bank with his bank, but I have an account that I have never touched through our state employee credit union, I would love to just add him to that, and have that be our joint 🙂
@orchidaloha: I pay all of our utilities, except his cell phone, I’d love to have our account joint, so they are “our” bills, not “my” bills.
@MRSsrm85: That’s how we are paid too… I’m not saying I want ALL of his money in the account, I think we should agree on amounts or percentages to deposit into our individual savings, and put the rest into a joint checking…
Post # 12
Member
625 posts
Busy bee
@MrsPaperFlowers: lol we make the same and i’m a control freak lol… so i have to handle it all..
Post # 13
Member
1566 posts
Bumble bee
@CTbride2010: WOW! I wish we did.. He makes double + my salary, depending on what shift he is working/if he is on call or not
Post # 14
Hostess
3367 posts
Sugar bee
We actually just opened our joint account yesterday. Well, he added me to his US Bank account that he already had. We had discussed it before and were probably two of the most “Against joint account” people in the world. However over the past few months we’ve been paying more and more bills together and I don’t have my own bank account, so we figured it would just make more sense to have something together.
Post # 15
Member
1460 posts
Bumble bee
Right now the plan is to have multiple joint accounts. One checking account that we’ll both direct deposit into and from there send money to our joint savings and joint investments. Then we’ll take 5% each and put it into our own separate checking account and do whatever we want with the money. From the checking account we’ll pay our bills, buy food, support our household etc. and budget for things like gas, lunch, etc. I hope that works out well…he makes like 8x more than I do so I could never split anything 50/50 with him because I couldn’t afford to…and I’d be broke? I wouldn’t wanna live like that lol
Post # 16
Member
3507 posts
Sugar bee
@MrsPaperFlowers: Aww well I hope it works out!