Accounts joint / separate

DP and I share our money though we have seperate accounts. His pay (when he eventually gets it) goes towards the mortgage, bills and all the APs he has set up, and for his smokes and beer. We use WFF for groceries and I use my megar pay for things that DS and I need and for any extra special groceries we want or need.

We share money, and have joint accounts... we have done so since well before I left work. Having his/her money doesn't feel right to me, I mean it's suppose to be a partnership. In general I manage our money, paying the bills and buying groceries, kids stuff and anything we need at home... We pay ourselves spending money so any entertainment type stuff has to come outta that... if we were gonna buy something big we'd definitely have to discuss it ....

Joint accounts as soon as we got back from honeymoon. We use total money with bnz which means we can have up to 10 accounts. When I'm budgeting properly we have a general acc which pays bills, savings, one for daniels things (clothes, toys, whatever he might need) and we had our own seperate ones for our sanity money, though we both had access to it.

I manage the money, DH doesn't even know when bills are due and I don't remember the last time he paid any that aren't automatic.

We have a joint account, I can't open my own account over here    Not that it matters right now as I'm not working regularly and get paid in cash anyway but it pees me off that it's not my choice

So, DH's pay goes in and he takes out what cash he needs whenever he needs it and I do the same. We share paying the bills (whoever has the time/inclination) and discuss big purchases and holidays etc but otherwise we have our own cards linked to the same accounts so just do what we need to.

DH very rarely questions what I've spent money on unless it's a big amount that he isn't sure about at the end of the month.

I must ring the bank to see how many accounts I can have (kiwi bank) as I want a separate on for holidays & I want the kids to have their own also

we have joint account and get paid an 'allowance' into our own accounts.- which we can just spend on ourselves not clothing etc... We have an account for each of the kids and a savings, bills and everyday (I also have other accounts for things I want to save up for eg: doing the bathroom)

I handle all the money and pay all the bills from those accounts and really DH has no idea how much is in each - if he wanted to know he can know though.

It works well for us

Edited by Chickaboo

i dont work and all money we get goes into one account and i manage the money... i guess its just part of my job. we set up a joint account when we moved in together and while i was earning my own money we also had separate accounts.

in fact i just recently got rid of my old visa account i have had since i had my first job - but only because it was part of the terms of our mortgage...



Edited by Bizzy

Joint account and credit card. We get weekly money transferred to separate accounts.

Expenditures are discussed and we never have to 'ask permission' to buy something unless it's big $$$.

Prior to kids I was the breadwinner while DH experimented with different jobs. He knew he'd have to be the main earner when kids came along. Luckily he found his perfect job just before the girls arrived

the way I see it is that we're committed to our relationship and family for life, and personally I would see separate finances as partially holding back.
Just because DH is the main earner doesn't mean I'm more dependent on him than him on me.




Edited by tishy

We have a joint account too, I am the one that knows whats going on so that makes me in charge of the money .

Its 'our' money, I figure we work as a team and I look after his children so he can go out and earn the money.. I guess I figure somewhere in there he is paying me for childcare.

I think DH trusts me with the money more than himself. I really hate spending money, especially on things we don't need.
We don't get our own pocket money. Maybe if we had spare money at the end of each week we would halve it but we don't. If we had pocket money I would probably end up just spending it on the girls if I needed to or not spend it at all, where DH would probably go crazy on things he definitely doesn't need. I would rather we save that money together to buy the things we really need/want.
I think we do pretty well with the whole budgeting thing, I dont stick to a specific plan, I just spend only what I need. We had a budget once and we just ended up spending more than we needed to because we hadn't reached our weekly allowance.
Because we are able to be reasonably tight with our finances we do often end up with quite a bit in savings which means if we wan't a wee treat every now and then we can (and we don't have to tell each other - although we usually feel quilty and do tell )

I can expand on my above post now as more time!

We don't have joint accounts and don't share our money.

We both feel bad asking the other for money that we haven't earned iygwim.

TBH I wouldn't trust dp with a joint account as he got himself a small debt all on his own doing and if there is money in his account he will find something/anything to spend it on! He's horrible with money!

If we get married we will look into getting a joint account then probably, but we would just transfer money for bills etc into it rather than having our incomes go in.