(Closed) Married Couples: Who on here still has separate bank accounts only?

posted 7 years ago in Money
Post # 2
Member
4097 posts
Honey bee
  • Wedding: February 2013

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bearbear1:  We each have 2 accounts of our own (checking and savings) and 1 joint savings account that we opened with our wedding gifts and don’t touch.

Post # 3
Member
1575 posts
Bumble bee
  • Wedding: September 2014 - Dallas, TX

We do but we plan on joining soon.

Post # 4
Member
604 posts
Busy bee
  • Wedding: October 2006

We still have our own accounts. We have never spoke about a join account. 

Post # 5
Member
1026 posts
Bumble bee
  • Wedding: May 2014

We only have separate bank accounts, I don’t see that changing in the near future.  We do have one shared credit card.  

Post # 6
Member
12265 posts
Sugar Beekeeper
  • Wedding: June 2011

We did for about a year out of pure laziness.  Separate vs joint accounts was just a techincality for us.  Eventually we just added each others names to each others accounts but never opened any new “joint” ones.

Post # 7
Member
4044 posts
Honey bee
  • Wedding: June 2014

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bearbear1:  We have separate accounts. We DO have one joint account that we put all of our wedding money in (gifts) but we never use it for anything. More of a savings. We split everything else equally.

Post # 8
Member
652 posts
Busy bee
  • Wedding: Local Resort

He has his, I have mine, and we opened one joint checking that the mortgage gets paid out of.  But that’s about it.  Everything else is split between he and I, and paid out individually through our own bank accounts.  I don’t check his half of the bills, he doesn’t check mine.  It worked out really well that way for us, but we keep a checks and balances system going as time moves along.  One week he’ll buy groceries if the utilities were low etc.. or he will pitch in wherever, and the same goes with me.  We’re pretty even footing and we love that about the new arrangement.

Post # 9
Member
737 posts
Busy bee
  • Wedding: February 2015

We’re getting married next month and have no plan to get joint checking accounts. We’re just going to keep them separate. My money is my money, his is his. We split who buys groceries and pays for household stuff. Right now he pays for all the mortgage and utilities because he makes more than me. And I buy most of the groceries.

We’re well enough off that we’re not hurting for money and neither of us care enough to pinch pennies. But we both tend to splurge on our little passions (me clothes and cooking, him tools and cars) and we just rather keep our money separate. It works for us.

Post # 10
Member
453 posts
Helper bee
  • Wedding: November 2014 - Historic cinema

Us. We probably won’t because lazy. We deposit funds into each others account if needed and take turns paying for stuff. It’s all our money still.

Post # 11
Member
167 posts
Blushing bee

We do – my husband can’t seem to stop over drafting and I’ve joked there is no way he is ever touching my account! We each pay a percentage of bills (I make more so I pay more) that leaves us with equal “spending money”. It works well for us as I have no desire to get in his business and vice versa. It works well for us!

Post # 12
Member
5987 posts
Bee Keeper

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bearbear1:  We kept separate accounts for about four months or five months after marriage out of pure laziness but have since combined last year. It’s a lot better for us I think. 

Post # 13
Member
341 posts
Helper bee

I’ve been married for 26 years and we still have separate accounts, never had a reason to open a joint account. I transfer money to his checking account at the end of the month so he can pay the mortgage. He pays his car payment and insurance and all utilities for the house (cable, gas, electric) and his cell phones. I pay my car payment and insurance, my cell phone, and since I make more, I buy all the food and household supplies.

It’s always worked very well for us and we don’t have any plans to change it.

Post # 14
Member
1729 posts
Bumble bee
  • Wedding: May 2013

View original reply
bearbear1:  us too. we will eventually get joint accounts. it just sucks opening up new accounts and dealing with it so for now we are just staying the way we are. we have a joint saving though

Post # 15
Member
6296 posts
Bee Keeper
  • Wedding: September 2012

We keep seperate accts. We do have a joint savings account. It’s just easier this way. I have personal and business accts for myself and they are linked together. I felt like it added too much liability having him added to my stuff when my accts are all linked. NOT because I don’t trust him, but in case my accts were ever hacked or breeched the bank can never say “well other people had free access to your accts”. My DH makes WAY more than me, and pays the majority of our bills. “My” money pays my car payment, cell phone, insurance, phone/tv/internet, and household groceries/items.

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