Married People: Which works better...combining all income, having separate accounts, or a mix?
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"As an investment advisor and Certified Financial Planner, I'm asked this question often.. Here's a solution that I've been told has saved more than one marriage. All household income goes into one account. This "master" account is used to pay all the household bills. Then, each week, have the bank automatically transfer an agreed upon amount to each of the spouses accounts. This "personal" money can be used how ever they want.. some save for a weekend at the spa with friends, some choose to eat lunch out everyday, some save it to fund hobbies, etc.. Any use of the "household" card/account should be discussed first, while the personal account can be spent on whatever.. You've effectively "budgeted" for discretionary personal spending. $50-$150/week is typically what I see. This effectively combines the notion of "all for one, one for all" by combining incomes, while still allowing each spouse some independance and "play" money that they don't have to feel guilty about spending. "
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REKLAM
"My SO makes impulse buys, also, she's one of those that "asks" if she should buy something, by telling me, and I say, "neat," somehow this means "yeah go buy it." "
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I'll go against the grain here and say that my wife of ten years and I have never shared a bank account, and it works well. We divide up bills approximately based on our relative income, and as long as things are taken care of, no problem. This gives us the freedom to use our disposable income without judgement. We have never had a fight about money.
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What seems to work for my wife is that my income is our income and her income is her income.
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Combine them, how else will she be able to do all your banking for you.
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Wife and I have been living together 30 years (22 of them married) and have had joint accounts the entire time. Both of us work and for most of the time I have made anywhere from 2x to 4x what she earns but it is all our money. She pays all the bills, I pick 80% of the investments and it works well for us. I don't pay attention to what she spends at all, since she pays the bills she knows what I spend extra money on. My purchases are usually expensive and I ask her about them first but it is rare that she questions it and usually encourages me to go for it. It does make purchasing things such as presents as a surprise a little tricky for me but that makes it even more of a surprise when I succeed. :) Pretty much all of our friends maintain separate accounts and that works for them, and while it would work for us it would be a PITA with extra work involved.
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We did separate accounts until we got married. We now have a joint checking and savings account and then we each have a personal account where we place our do what we want money in. It's worked pretty well for us!
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Shared account, wife handles all finance. If I Need anything I'll submit a claim and Get it approved
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Combined account for us. We talk for anything over 100 dollars. We are both level headed and hasn't been a problem yet. Communication is key... just like it is for every other aspect of a relationship.
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"This will be way down so many will not see it. But here it is anyway. I'm agreeing with those of you that claim relationship dynamics are the key. For my wife and I, we have one joint account and are constantly communicating with each other so we know how much money we have. My pay check and her pay check are "ours", and we don't feel any sort of entitlement to any sum in the account. If I want something and we can afford it, I buy it, and she does the same. "
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