Splitting the bills 50/50, my money, your money - Please your married !!!!

Dinah93

miserly_mum wrote: »

I know so many couples where thats the situation and personally I couldn't live like that.

Surely it's just common sense to have all the essentials like nappies food etc covered so that you can spend and enjoy whats left without worrying.Irrelevant of who's paying for it.

Or is that just me

No it's common sense. But I think thats an issue of poor management and putting yourself before the kids more than being an issue of joint account or not.

hayley11

miserly_mum - I am also in charge of the finances despite not being the "breadwinner." I've told my OH how to access the online banking but he still doesn't have a clue. I do worry if anything ever happens to me actually, he'd be knackered! :rotfl:

If he needs money to buy something, he asks me for it and if I think we can't afford it then I say no simple as. He wants these football boots that cost £100, now there's no way we can afford them at the moment but if he had his wage in his bank like he used to, he'd just go and buy them without thinking whether we need that money to pay any bills. It's not because he's selfish really, it's because his mummy has smothered him and done every single thing for him, he doesn't know how to look after himself. Suppose i'm doing the same thing now though aren't I? :rotfl:

ShockingPink

We've been married for 20 years, and have a joint account into which we pay proportionately for joint expenses. Plus we have our own separate current and savings accounts. I don't see why this is weird; I wouldn't feel right having an expensive hairdo or posh frock from a joint account (not that I do that often - I'm a bit of a skinflint!); and equally I might get miffed when my OH spent "our" money on his [STRIKE]toy[/STRIKE] model railway or classic cars. As it is, he can do what he likes with his money and I can do the same with mine.

miserly_mum

Dinah93 wrote: »

No it's common sense. But I think thats an issue of poor management and putting yourself before the kids more than being an issue of joint account or not.

I agree about the poor management. I was going slightly off topic on that post.

The_Banker_5

Of course I love you darling.:j


But youre not getting any of my money.;)

Judith_W

Very interesting thread. My husband and I have a joint account and seperate accounts for 'pocket money'. We agreed this amount and only covers personal stuff like new clothes for me and CDs for him. We budget for meals out etc and they come out the joint account.

I can't imagine the hassle if I we had to re-think the split everytime bill amounts changed or our income changed. As for paying one person back for a takeaway, madness. Also, if you only joint for bills and everything else is yours then how do you ever save for holidays etc?

I only think it can work if you both have a similar view on money though, and no major debts brought to the table when you get together.

LittleMissAspie

It seems pretty degrading for anyone to have to ask to spend their own wages.

Dinah93

I'm not sure which situation you are refering to there littlemissaspie. We have a fully joint system and don't have to ask permission of the other one to spend money, we trust one another not to go wild and spend all the money for the month. We have a seperate joint account for spends from the bill account, meaning either person can easily see from a hole in the wall how much is in there. We have about £325 a month, but neither of us would dream of going on a £300 spending spree the 1st of the month as we know that money is shared, but we don't feel the need to draw a line down the middle.

hayley11

LittleMissAspie wrote: »

It seems pretty degrading for anyone to have to ask to spend their own wages.

Well my OH doesn't find it degrading in the slightest. He has "spending money" each month that he can do what he wants with. Just like I do. It's only something expensive that he has to ask me about, just to see if we have enough spare. And if I want something expensive, i'll ask him first, even though i'll know if we can afford it or not.

The only reason we do things like this is because I am good with money and he isn't. I can budget whereas he'd just spend it all and then worry later.

The_Banker_5

Kicks off shoes, lies back and watches the circus.;)