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Started By
Message
re: Bank Accounts
Posted on 9/29/22 at 1:00 pm to Drizzt
Posted on 9/29/22 at 1:00 pm to Drizzt
quote:
If you don’t trust her with your money why are you getting married? Seriously, if you two can’t work out how to have a single bank account you should just live together and not marry.
why does the existence of more than a single bank account automatically mean distrust? My wife and I have 5 total accounts between us (each with our own checking/savings then a joint account) and it doesn't' have the slightest thing to do with trust or mistrust. That's just what we've had since we got married and it works great for both of us.
quote:
Every couple I know who did the two separate accounts things is miserable or divorced.
maybe these are just miserable people in general? Or people that are shite with money?
0
Posted on 9/29/22 at 1:17 pm to Ag_16
If efficiency is what your are after, pool your money into joint account(s).
Our setup-
Joint checking- funds monthly expenses
Joint Emergency Savings- the typical 3-6 months expenses
Joint Savings-This account is funded monthly with our average expenses for vacations, LSU season tickets, repairs and maintenance on house and cars, children's school tuition, etc.. When it comes time to pay for any of those items, we transfer the money to checking and never miss a beat.
Personally, I believe a couple should be working together to build wealth and the best way to do that IMO is to pool the money, have a plan, and follow it, together.
Our setup-
Joint checking- funds monthly expenses
Joint Emergency Savings- the typical 3-6 months expenses
Joint Savings-This account is funded monthly with our average expenses for vacations, LSU season tickets, repairs and maintenance on house and cars, children's school tuition, etc.. When it comes time to pay for any of those items, we transfer the money to checking and never miss a beat.
Personally, I believe a couple should be working together to build wealth and the best way to do that IMO is to pool the money, have a plan, and follow it, together.
Posted on 9/29/22 at 1:19 pm to Ag_16
quote:
fiancé
quote:
A&M Fan
Checks out.
Posted on 9/29/22 at 1:45 pm to Ag_16
My wife and myself did joint accounts. We do two accounts. One we use for set monthly payments like mortgage, car payments, etc. that never change so we never see that money going in and out. We use the other account for all the daily transactions and bills/credit cards.
We also have a 3rd for emergency fund but that doesn't really seem relevant to this discussion.
Just try to remember no matter who makes what with regards to salary, everything you make as a married couple should be treated as both of yours.
We also have a 3rd for emergency fund but that doesn't really seem relevant to this discussion.
Just try to remember no matter who makes what with regards to salary, everything you make as a married couple should be treated as both of yours.
Posted on 9/29/22 at 2:36 pm to Joshjrn
My wife and I are the same. We lived together for many years before getting married and had separate accounts all that time. Neither of us felt the need to change that once we got married. She has her accounts and her credit cards and I have mine. We have each others names on our accounts, so technically we could access each others accounts, but in 20 years, neither of us ever has. We roughly divide our bills up equitably based on our incomes and each pays the bills we're responsible for. We alternate paying for groceries or eating out.
Some people may find this odd, but it works for us. And I can spend what I want to spend on shite I want and she can spend what she wants on stuff she wants without either of us constantly monitoring or nagging the other.
Some people may find this odd, but it works for us. And I can spend what I want to spend on shite I want and she can spend what she wants on stuff she wants without either of us constantly monitoring or nagging the other.
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