joint or seperate checking account

You admitting to a problem or just honestly think married people don't get it on and enjoy it

 

We do this

 

i think he just realized the problem....

 

Just passing along a stereo type. Sorry Dr. Getoutofmyhead.

 

Yes, I'm married. We just had a little one, and changed jobs, (both of us) and moved. Been really busy. I need a beer.

 

is it yours?

 

When I was married it was a joint account, when I get married again it will remain separate.

 

It should be joint account because there should be commitment and working together on the budget.
However, sometimes there are practical reasons for having sepearate accounts. We have two. I am salaried, so fixed income. "My" account pays the mortgage, kids' private school, car loan, insurance etc. - all the fixed expenses to where the account is balanced - what comes in goes out, but we know everything is getting paid without having to worry about bouncing checks etc.
She is hourly, and it varies from week to week, so we use "her" account to pay the bills that varies - phone, utilities, groceries etc. What's left over goes to savings.
That way "my" account and "her" account are both "our" accounts, but it works great on the practical side.

 

No kids, don't want them, Excel with macros already done with reminder popups, only have mortgage and 1 credit card bill, retirements are auto pay until we change % or dates.

 

Not married, but we've got both. She and I each have our own accounts, and then we have a "house bills" account that the mortgage, light bill, internet, etc pull from. We each deposit a set amount per month into the joint account (enough to cover the total bills for the month plus another 10% for unexpected surprises that invariably pop up when you own your own home).

Anything we feel like purchasing for ourselves comes out of our personal accounts. Saves us a lot of potential bickering about who's spending more from the account, we figure.

 

^^that

 

We have everything as a joint account. I wouldn't have it any other way. Your last sentence sums that up.

It sounds like you would be best to sit down with the wife and go over some financial goals and how to get there. We finally sat down with a financial adviser and realized that we were nickle and diming our selves to death. We both agreed to cut the crap out and it make a big difference in how much we could save. (saved enough that we could afford to have a custom house built)

 

This...Should anything go wrong with your relationship, it's a little more clear what's yours and what's hers.

 

Seems like with this attitude that you are expecting failure. To me, if you are getting married, you gotta burn the ships and go all-in, no matter what. After all, that is what you said you would do when you got married.

 

The hell did I just read?
That's kind of rude to anybody who does it different. Different strokes for different folks, man.
That'd be like me saying that to me not having a bank account of your own screams an inability to act independently of one another in your day-to-day lives.

 

You committed to not act independently when you got married. That's kind of the point.

 

Joint Account, always has been, always will be. We had a joint account even before we were married for several years. Trust, and accountability...

 

This is exactly how we did it as well.

 

BOTH

Both of us put X amount in the the joint account every month. That goes to the mortgage, bills, and anything that we do together. Everything we do separate we spend from our own accounts.

Been doing this for 8 years, and continued to do the same thing after we got married

 

As part of my job, I deal with people daily who have relationship issues and guess what, when poop hits the fan one party or the other drians the "joint" account out of spite. As someone mentioned before the number one reason for divorce is financial. Looking at whtehter to have an joint strictly as an overall trust issue and not trusting someone is naive at best. I trust my wife and she trusts me, therefore we agree on who pays what and we put that said money into our "joint" account while maintaining our own accounts for our personal spending and guess what in 5 years of marriage we've had zero arguments over money. If it works for someone, why is it wrong?