Squirrel Fund Account

Kennedy264

I'm feeling the need to have a bit of a small secret squirrel fund in a bank account that my partner does not know about. Its not for dodgy reasons as I'll explain...

My partner has one, a secret small stash of cash from various bits and bobs and they spend it on various bits and bobs.

I'm not a cash person, everything I do is on card. I'm the main income earner, every account we have is joint. They manage the finances though as a very tight ship. Everything that is spent I get quizzed on, why did you withdraw £10 etc....

I want a small fund that I can top up maybe with things I sell on eBay etc and then use it to purchase occasional things that they might think is a waste of money. Maybe an odd cheeky sports bet as well! Just a bits in bits out account, exactly how they do it with their cash stash.

What would be a good account for this? I need a debit card, online access, postal correspondence free, including picking up the debit card from a branch. Not bothered about frills like overdrafts etc.

agrinnall

You know that a controlling relationship such as you describe is abuse don't you?

Imelda

agrinnall wrote: »

You know that a controlling relationship such as you describe is abuse don't you?

^^ This

My husband and I also disagree over each other's discretional spending - each to their own - so we each have a sole account into which a set amount is paid each month. So we can spend how we like without it annoying the other. I also have a small savings pot made up from this money for birthday/ Christmas presents for my husband as it somewhat takes the surprise/ romance element away if he sees the transaction on the joint account.

Alternatively, draw out more cash/ use cash back.

If I were headed for divorce I would have a little nest egg ready for solicitor's fees and other expenses. I would also make the majority of my transactions in cash so that they cannot be questioned during financial negotiations. But, you know, that would only be if I were considering divorce......

xylophone

If you can get to a Metro bank branch, a card will be printed in branch.

https://www.metrobankonline.co.uk/

Kennedy264

If I did it in cash I'd get a bit of cash from wherever keep it in my wallet, spend it on something, no problem. My partner does this with theirs.

I'm just trying to replicate this in a non cash world.

I don't see any problem with this as long as it remains for small discretionary spending.

Kennedy264

Looks perfect, but branches are only in south East. I'm up north.

DigForVictory

Could I suggest you Talk to herself about wanting a bit of financial wriggle room (I mean, did she need to know how much you spent on Valentines?)

It could be she's afraid you'll go rogue, betting & gaming - has she any grounds for this sort of concern?

Or she could be an uber control freak at which point, get better at sliding cash around (cashback on other purchases is your friend here) but if you are financially linked, and she's watching, you've got more problems than which bank account.

If she's not watching that tightly, swing a work trip, or a concert ticket into the South East & happen to arrive early...

xylophone

Take a day trip.

datlex

It does sound like you are in a controlling relationship. I can appreciate you would want joint bills for household spends including bills, groceries, lunches, joint entertainment (e,g, a meal at the pub together) and travel etc.

What I don't get is not pooling all income and then splitting equally what is left after this into personal accounts (and dividing the cash earnt equally too) and leaving it to each of yours discretion where you are spending this.