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Seperate bank accounts?

lvmomjbjlvmomjbj
in Babies: 9 - 12 Months
I dont wanna get too personal here, but what do you guys think of seperate bank accounts? I don't work but I get SSI (my two autistic boys do) and child support and the occasional Financial Aid check since i'm a full time college student so I have bank accounts for that and DH has his paycheck but I'm just sick and tired of DH NEVER telling me what he spends until after the fact even after I've already tried to figure out bills and such. And if you do have seperate accounts, who pays for what? I guess I just don't want my marriage to see like a "business", but can people successfully have their seperate money and still be a loving family? Hmmmm.
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Re: Seperate bank accounts?

  • Indychic1022Indychic1022 member

    Nope. That crap doesn't fly in our family. We makes decisions together and we each know before the other buys something big ticket.  

    You guys need to sit-down and have a come to Jesus talk. $$ is serious business.  

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  • brideofscowboybrideofscowboy member
    We have seperate bank accounts b/c we work and bank in different towns. We're really rural, so bank hours are really awful compared to the cities, and ATM's are non-existant unless for cash withdrawl only.  We're very open with what we have as well as our spending. It works for us.
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  • 12bailey1812bailey18 member
    We have seperate bank accounts (always have) and we love it! The main reason is is that if I stop and get coffee or he has to buy something- we're not trying to balance one checkbook and keep track what the other is doing. We don't always have time to communicate every little thing we may buy. This way, he's got his money and I've got my money. We have access to both accounts (our names are actually on both accounts) but one is "his" and one is "mine." I would not want it any other way! I should also note I only work a few hours a week so my account is very small. If I need more, I just let him know or we withdraw from his account, no big deal.

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  • 12bailey1812bailey18 member
    Oh yeah- I should also add his account pays for all the bills. All my account pays for is my student loan, gas for my car, and any "fun" stuff I want. He's got the rest!

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  • Liss_37Liss_37 member

    we have seperate accounts and always have as well. He pays specific bills, and i pay specific bills. it's never been an issue in our relationship. And we don't check up on each others spending habits, but we do talk to each other if we want to buy something big. 

    that being said, we do know each others PIN numbers and use each others cards occasionally.  even though it's seperate accounts we still share the money when we want/need to. 

     eta: i might feel differently if I didn't work, but I have a pretty good job and make decent money on my own 

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  • zeptattoozeptattoo member
    We have one common account for household expenses and stuff for the family.  Each month we deposit a certain amount into the common account and what is left over in our separate accounts is ours to do whatever.  We have separate checking and savings accounts so we can spend our money as we want w/o the other's approval for our hobbies. 
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  • Trissie18Trissie18
    imageIndychic1022:

    Nope. That crap doesn't fly in our family. We makes decisions together and we each know before the other buys something big ticket.  

    This exactly.

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  • lvmomjbjlvmomjbj

    image12bailey18:
    We have seperate bank accounts (always have) and we love it! The main reason is is that if I stop and get coffee or he has to buy something- we're not trying to balance one checkbook and keep track what the other is doing. We don't always have time to communicate every little thing we may buy. This way, he's got his money and I've got my money. We have access to both accounts (our names are actually on both accounts) but one is "his" and one is "mine." I would not want it any other way! I should also note I only work a few hours a week so my account is very small. If I need more, I just let him know or we withdraw from his account, no big deal.

    Thanks everyone! I really like how you've got yours set up. I might have to consider this! :)

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  • LaNegritaLaNegrita

    hubby & i both kept our pre-marriage accounts. we got a checking & savings together. we discuss who is going to pay what bills. he generally pays the big bills (mortgage, car notes, etc). i pay the smaller bills (gas, lights, food, etc). we make joint decisions on big purchases/whenever we take any $ out of the joint accts.

    we are both pretty good spenders and do well with reigning each other in when necessary.

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