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  #31  
Old 12-04-2012, 10:10 PM
JustMe JustMe is offline
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As for as the judging those with separate accounts...

I admit to every time this is brought up having the initial reaction of "That is so sad". Because of how wmy husband and I operate, my gut reaction is to feel that by having separate accounts there is something wrong, something missing. That there is a trust issue or an entitlement issue (for example, I earn more and thus I'm entitled to my bigger paycheck while you make do on your small one).

And then, of course, every time I realize, "Duh, these are smart, fine people at A to Z! They're not being abused and manipulated. It works for them, clearly!

So, honestly, I don't judge. But it takes me just a minute for my we little brain to process it. Haha.
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  #32  
Old 12-04-2012, 11:21 PM
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HeartDrama HeartDrama is offline
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High School English
Separate, technically, which is contrary to what I believe is best. I'm of the opinion that keeping things separate leaves open opportunities for disunity. That's not to say that having separate accounts automatically means that there will be problems in the relationship, I just think that when issues come about, separate money can exacerbate the situation.
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  #33  
Old 12-05-2012, 02:18 PM
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teachin4ever teachin4ever is offline
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Middle School Teacher
Joint.
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  #34  
Old 12-05-2012, 03:23 PM
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TamiJ TamiJ is offline
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In the states we had a joint account. Here our employer set us each up with our own account and we haven't changed it.
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  #35  
Old 12-05-2012, 04:34 PM
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Rabbitt Rabbitt is offline
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Wisconsin
Primary Elementary Teacher
Joint
We agreed at engagement that what's mine is ours. That doesn't work for everyone, but we've had zero problems with it.

If you decide to go separate, be sure to agree on the 'what if' you go to one income. One income could happen with job loss, personal health, health of a child, etc.
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  #36  
Old 12-05-2012, 05:25 PM
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cutNglue cutNglue is offline
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Kindergarten Teacher
We have a joint account. We did make verbal agreements about how we will handle certain situations. In 17 years, we've stuck to it.

There was one point that he wanted to refinance a prior loan of his under my name because I could get a better deal. That I did not do. The loan was a large one. It has since then been paid off so neither of us have any debt.
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  #37  
Old 12-05-2012, 08:36 PM
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yearroundteach yearroundteach is offline
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Quote:
Originally Posted by Em_Catz View Post
We're planning to have three accounts --

1. Our Account: Rent(and eventually mortgage), household cleaning supplies(laundry detergent, Febreeze, air freshner, candles, Windex, toilet bowl cleanser), groceries, toiletries(deodorant, toothpaste, toilet paper, Q-Tips, hand soap, sanitary products), utilities, cell phone bill, holiday gifts, cable

2. His Account: video games & dvds, outings with the boys, new clothes & shoes, trips to the barbershop, lunch with his coworkers, loaning money to friends or family, cookbooks, recreational reading books, Netflix subscription (since I rarely watch it)

3. My Account: books for my kindle, hairdresser, new clothes, outings with the girls, $50 monthly for my elderly aunt's nursing home bill, gas for car, make - up, nail polish

It's worked for my parents for 30 years & my co-worker and his wife for 12. Plus it just makes sense to me.
This is what we do as well. It works great for us. I manage the joint account and pay all household bills out of it. Then any of our "wants" we pay out of our own personal accounts so we can make sure not to overspend. If I want something that is more costly than what I have in my account he either gives me money from his account or I put it on our credit card that we both pay off. And vice versa if there is a large item he wants to buy.

We also have 2 savings accounts we both contribute to monthly. One is for vacations, big purchases for the house, home improvements, etc. and the other is the emergency account that we never touch.

I see the idea behind having one large joint account but that just seems like a logistical nightmare for us. When I go out on a random shopping spree and spend hundreds for really no reason and without a plan (which I've been know to do ) I wouldn't have to wonder if he happened to do the same thing on the same day and whether we have enough money. I know that's unlikely but the what ifs would drive my OCD brain crazy. That's really the only reason we don't just have one joint account.
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