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joint accounts, or do you have your own



 
 
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KARALEAM
Posts: 4,945
2/7/13 11:44 A

joint account



RASIRE
Posts: 284
2/7/13 11:41 A

We have two joint accounts -- one for expenses and one for savings. Then we both have our own separate accounts.

Edited by: RASIRE at: 2/7/2013 (11:46)


BAMAROSE
Posts: 697
2/7/13 11:39 A

We are a one pot family and it works well for us. I have friends who have seperate accounts and it works well for them. Whatever works, that everyone is happy with!



GOALIEGRANDMA3
SparkPoints: (87,732)
Fitness Minutes: (60,249)
Posts: 6,475
2/6/13 12:57 P

joint, but some cds in my own name, plus a checking in my own name




IRISHFANUH87
Posts: 1,038
2/6/13 12:24 P

Joint



GRIZ1GIRL
SparkPoints: (127,022)
Fitness Minutes: (157,793)
Posts: 2,241
2/6/13 11:00 A

Joint everything with right of survivorship...



FIRECOM
SparkPoints: (107,673)
Fitness Minutes: (11,796)
Posts: 5,855
2/6/13 10:53 A

Joint



RIET69
SparkPoints: (47,087)
Fitness Minutes: (11,285)
Posts: 3,116
2/6/13 10:44 A

Joint



LOSE4LIFE47
Posts: 37,317
2/6/13 10:41 A

joint account



SBURDEN
Posts: 3,132
2/6/13 9:55 A

We have separate and we split the bills to make things even.



CMCOLE
Posts: 2,667
2/6/13 8:12 A

We have both.

The bills are handled from a joint account.
It's actually his only account, as well.

I, on the other hand, have a couple, but he knows of them, and one in particular is used for his school fees, etc., so it's kept separate from others - and we know exactly what's there (and what needs to be there)



MLAN613
SparkPoints: (155,498)
Fitness Minutes: (154,471)
Posts: 10,159
2/6/13 7:59 A

Separate. We got married a little later in life and it's just easier. He handles the rent, the phones (got a great deal) and I cover the utilities and such, so it balances. We share in the groceries.



128PERFECT
Posts: 3,026
2/6/13 6:01 A

My husband and I have two joint accounts but I use one for all of my banking and he uses the other for his.



WELLNESSME09
Posts: 7,634
2/6/13 5:19 A

Both!



THROOPER62
Posts: 17,197
2/6/13 5:18 A

His, mine and ours



GUITARGAL2
Posts: 1,957
2/6/13 5:00 A

both...joint for household expenses; our own for whatever.



TCANNO
SparkPoints: (100,315)
Fitness Minutes: (66,580)
Posts: 17,940
2/6/13 4:02 A

no



DETERMINEDLOSER
Posts: 4,707
2/6/13 3:34 A

I have my own



ARUSHING2
SparkPoints: (26,830)
Fitness Minutes: (19,755)
Posts: 720
2/6/13 12:32 A


both



SWIMOM
Posts: 366
2/6/13 12:17 A

One household acct. One joint education acct. that we share with our college age son. I should say, I put money in and he takes it out! Hubby has his play money acct.



BLUENOSE63
SparkPoints: (101,509)
Fitness Minutes: (76,885)
Posts: 2,953
2/6/13 12:10 A

Both



RICU1952
SparkPoints: (105,065)
Fitness Minutes: (94,728)
Posts: 2,718
2/5/13 9:27 P

My own account



POKIEFUZZBUCKET
SparkPoints: (97,381)
Fitness Minutes: (71,133)
Posts: 5,373
2/5/13 9:27 P

My fiancÚ and I have separate accounts, and I don't for the time being see a reason to change that.



TREE57
Posts: 1,760
2/5/13 9:20 P

joint



CSROBERTSON621
SparkPoints: (76,242)
Fitness Minutes: (45,945)
Posts: 1,307
2/5/13 8:59 P

Other than retirement accounts, they are joint.



NORWOODGIRL
SparkPoints: (129,993)
Fitness Minutes: (106,199)
Posts: 15,281
2/5/13 8:34 P

both



NEPTUNE1939
SparkPoints: (120,030)
Fitness Minutes: (119,573)
Posts: 5,286
2/5/13 8:20 P

joint



JOYCECAIN
SparkPoints: (65,366)
Fitness Minutes: (46,564)
Posts: 2,833
2/5/13 8:19 P

I am single and I have my own.



JO88BAKO
SparkPoints: (161,260)
Fitness Minutes: (97,360)
Posts: 7,125
2/5/13 8:15 P

We have both



BACONABACON
Posts: 160
2/5/13 7:16 P

We started seperately and got a joint for bills. He now stays home full time with our child and uses the joint.



SWEETSUGAR7
Posts: 2,450
2/5/13 7:14 P

I would have 1 joint for house bills the things you would split.

Then have 1 for you and only you can get into the account.

Having your own isn't a secret it is just something you can control.



RUKIDDINGME123
SparkPoints: (28,861)
Fitness Minutes: (10,967)
Posts: 1,778
2/5/13 7:12 P

My husband and I have separate accounts he has his own business and its just easier. But we share the same home office and everything is laying out so either one of us can look at the others account at anytime, no passwords, no secrets.



PARKERB2
SparkPoints: (129,515)
Fitness Minutes: (68,075)
Posts: 12,065
2/5/13 7:10 P

i have my own



KMMAKI
SparkPoints: (80,371)
Fitness Minutes: (92,770)
Posts: 2,099
2/5/13 7:08 P

everything is joint



PT.JEFFGIRL
SparkPoints: (114,707)
Fitness Minutes: (113,147)
Posts: 4,638
2/5/13 6:53 P

Joint for two, but I have a savings of my own.



HOLLYM48
Posts: 5,458
2/5/13 6:45 P

joint for the last 27 years, it has always worked for us.




DACHI9
SparkPoints: (7,036)
Fitness Minutes: (1,081)
Posts: 386
2/5/13 6:29 P

My own.



CHRISTINA791
SparkPoints: (39,642)
Fitness Minutes: (42,043)
Posts: 789
2/5/13 6:07 P

My husband and I keep joint savings for the down payment account and our emergency fund, and a joint chequing account for rent, insurance and other major expenses.

Otherwise, we each have our own chequing accounts and 'pay' the other accounts each pay day. We pay for our own phones, I pay most of the household bills like cable, he pays for any car-related expenses since I almost never use the vehicle. We alternate groceries and other expenses based on who was most recently paid. We both have different budgets set up because we both prefer to handle money in different ways. As long as we're each covering our share of the expenses, it's all good.

We had both had a good decade or so of living on our own before we got married, so by that time you usually have some fairly set ways of dealing with responsibilities. We've adjusted some of our habits to make it easier to manage a combined household, but for the most part we've carried on with how we handled things before we were together.



LYNNJ1976
Posts: 448
2/5/13 5:57 P

We have his and mine. But we do have access to both, if ever needed. We don't go into to one another's accounts.



DANISARANAC1
Posts: 261
2/5/13 5:41 P

We use my account for everything.



LOUNMOUN
Posts: 1,264
2/5/13 5:20 P

My dh and I have a joint checking and savings account. We are a single income household. Dh puts money in and I am in charge of paying the bills.

When we got married I had my own bank account. I also had more bills than dh. Over time that changed and it was easier to have everything together.





PFARRAR65
Posts: 954
2/5/13 4:15 P

have my own



FIT_BY_30
SparkPoints: (1,570)
Fitness Minutes: (2,061)
Posts: 15
2/5/13 3:53 P

My husband and I have done it both ways, joint and seperate. It just works better when we have a joint account. I keep up with the checkbook and pay all the bills, but he works for the money just like I do. He always knows to the penny how much we have in the bank, whether in checking or savings. All our belongings are jointly owned. And if we split up, it won't be a problem, because I tell him if he leaves me, he has to take me with him!



MOM2HANDE
Posts: 67
2/5/13 3:45 P

Everything is joint with full access by both. One of us is the primary income producer and the other one takes care of managing all the money (meaning paying the bills, tracking investment values, etc.). We are both of a like mind when it comes to spending: frugal. We always talk about major purchases - and even minor ones for that matter. I might ask, "why were groceries so expensive this week?" only to be told, "chicken was on sale so I bought four and froze them and we needed XYZ this week, too." Full and complete trust on both sides.



YOJULEZ
SparkPoints: (15,605)
Fitness Minutes: (120)
Posts: 2,171
2/5/13 3:11 P

I live with my SO, but I refuse to do anything jointly financially (buy a car, buy another house, buy a 5th wheel, anything like that) with him until we're married. After marriage I'd imagine we'd have a joint account for joint expenses like bills and purchases for the house, but still have our own accounts for "fun money". He makes about 3x's what I do too, so I don't think it would be fair for me to have access and spend his money on things that aren't for him.



SPERRIN2012
SparkPoints: (103,327)
Fitness Minutes: (80,585)
Posts: 10,776
2/5/13 3:04 P

I did before my divorce and never will have another as I was ripped off! emoticon



TAMMYSUE21
Posts: 325
2/5/13 1:05 P

Whatever works for your family. I'm a sahm for now and we only have joint. However, we'll keep it that way when I go back to work also.



MISSYK25
SparkPoints: (3,440)
Fitness Minutes: (1,215)
Posts: 109
2/5/13 12:49 P

Separate accounts, but one joint one for bills. We agree before hand exactly how much each person is going to put in for bills, and the separate accounts stay separate.



I_HEART_MY_FAM
Posts: 1,809
2/5/13 12:48 P

One income with one account. I am a homemaker, but even if I do work for a paycheck it will be one account. I know seperate acounts have become the new way, but it is odd to me. I wouldn't go for it, it's almost sounds insulting.



PURECOUNTRY29
Posts: 866
2/5/13 11:48 A

this was a poll question on the news this morning, My husband and I have our own, i dont know his passwords for his and he doesnt know mine. We both like it that way, the bills are paid and it gives us something of our own. Just wondered how everyone else felt.



 
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