(Closed) We started a joint checking account today…

posted 8 years ago in Married Life
Post # 3
Member
372 posts
Helper bee
  • Wedding: June 2010

I agree with you – I was so scared when we joined accounts! We’ve only had the joint account for a little over a month, but it’s gone well so far. ::Crossing fingers:: =) He’s the more financially responsible of the two of us (not that I’m IRresponsible, per se), so I’m not worried about that… but I make my own money and I enjoy the freedom of using it as I see fit! Now I have to think, WWFD (what would Fiance do)?

Post # 4
Member
681 posts
Busy bee
  • Wedding: March 2018

We started a joint account a couple of months ago too and I was very nervous. I have always been used to controlling every transaction since I have only had individual accounts. I am definitely still adjusting to it too.

Post # 5
Member
11325 posts
Sugar Beekeeper
  • Wedding: February 2011

we just did that a few days ago– so exciting!

Post # 6
Member
2000 posts
Buzzing bee
  • Wedding: March 2010

When me & my hubby started our account together it was right after we moved in together. Probably about a year into our relationship, or a little sooner. My Fiance is NOT good with money at all so we had some tough times. He wrote bad checks, he lied about taking money out, he lied about paying rent…we had a big issue about money. I know this isn’t helping you out any…& I’m sorry for that! BUT you said that he IS good with money, so that’s a plus.

My Fiance had lived on his own before, & I hadn’t. So me not knowing any better, I put him in charge of bills. Every payment was late & one of my CC payments got sent to collections. That did it for me…I’m in charge of bills now. & I manage our bank account…good thing one of us are good with $!

That bridge is broken, we have moved past it & everything’s been perfect since we’ve talked about it. Ugh..I couldn’t believe the lie he told me about paying rent, for a whole FREAKIN month he lied to me! We almost got evicted!!

Anyway, it’s an amazing way to share your love & trust. I’m glad you both have a seperate account though, I would do that if the Fiance wasn’t so against it.

Sorry for the bad news…I’m sure everything will work out perfect with you & your hubs!

Post # 7
Member
1392 posts
Bumble bee
  • Wedding: September 2010 - Heron Hill Winery

We started a joint accound right before we moved into our new place in June…I got tired of asking Fiance for money for split bills…this works much better..only I do all the balancing Fiance never had a good handle on that!

Post # 10
Member
2000 posts
Buzzing bee
  • Wedding: March 2010

Haha, yeah! & the worst part about it was…I got my dad involved & everything! I was on the verge of just breaking it off. The manager or the apartment complex was telling me he hasn’t paid rent & hasn’t done any of the things Fiance says he’s done!! It was crazy! Thank God he finally fessed up…geez!

Post # 11
Member
3125 posts
Sugar bee
  • Wedding: December 2009

We are going to do it soon, when our official papers get here.  Til then, I have my maiden name, and same accounts. I’ve been weaning myself off my normal methods of payment so I can cancel them and just go on hubby’s cards. He’s the more organized person so he clearly does bills.  It’s going to work out better for us, but it’ll be strange figuring out who’s spending what so that there are no random charges on the card.  It’s easy to notice something odd if it’s just you purchasing, but with multiple people using the card, a fraudulent charge would be easier to slip by.  neither of us have ever done this before, and i agree — it’s weird!

Post # 12
Member
1154 posts
Bumble bee

Lees, it’s great you worked things out but I’m a little alarmed your Fiance is both very against you having your own money and bad with money, one or the other is maybe just personal preference but the combination is super scary IMO.  Are you sure you can’t have a small personal account for fun/emergencies and he can have one too?

Post # 13
Member
2000 posts
Buzzing bee
  • Wedding: March 2010

@Arachna: I just now found out what IMO means by your post! I had been wondering that for FOREVER! LOL! Well, I can..it’s not like he controlls me..& he can have his too, we just prefer to have our joint account. He was bad with money, he’s fine now.

Post # 14
Member
2532 posts
Sugar bee
  • Wedding: August 2010

Weve had a joint checking account for about 2 years now. When Fiance worked for Bank of America we created one. Its worked out well. We both still have our own accounts, which is where our paychecks go…but its nice to have the joint account because then Fiance can transfer money for me if needed!

Post # 15
Member
473 posts
Helper bee
  • Wedding: September 2009

We did it a few months ago – and what a pain to change everything over! I’m still getting names changed on cards, etc.

Anyways, we decided, ultimately, to just put everything in one. We were going to have separate spending accounts, but honestly, it just doesn’t matter. If we want to buy eachother something, we just pay cash for it. It really works out best,  because now I know where ALL our money is.

Post # 16
Member
47 posts
Newbee
  • Wedding: June 2010

We’ve decided to hold off on combining accounts until we are married and my name is changed. At first I was upset Fiance suggested we wait (we moved in together in July, and I thought it’d be easier to combine), but he has been paying off my student loans (not to mention the rent, hehe), so I’m really, really grateful for that.

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