Blinding Lightbulb Moment....!!

Skye_27

skintchick wrote: »

hi. I just read that you split the bills half and half but your OH eanrs more than you. Me and h2b have decided when we get married and live together we will split it according to proportions on what we earn (see below). Can you do this? It is much fairer and would free up some cash for you to pay your loans (which has to be a good thing).

Anyway, we are going to do it like this:

add up all bills and this is A
h2b's wages are B
mine are C

So, add up B and C, to get D, then work out what percentage of D, B is, and therefore what percentage C is

EXAMPLE: if h2b earns 600 and I earn 400, his percentage of total wages (1000) is 60 per cent and mine is 40 per cent.

So he will then pay 60 per cent of the bills, and i will pay 40 per cent.

We have included annual bills for both of us (cars etc) as joint bills, and the relevant proportions of those will go into savings for when we need them.

We've also allocated equal percentages of wages for savings, and what is left is ours to spend as we wish.

It is a much fairer way of doing it and I think it is something you should consider.

HTH

Thank you for suggesting that. Definitely what I would want to do but not sure how he would feel about it. I like that everything is 50 50 but he does work from home so using up elec gas during day when I'm at work. I can really notice the bill jumping from when he went self-employed.

Had a go at him tonight about elec bill and he blamed me for having hot water on too much. Sometimes feel it goes round in circles but when he has pc, tv etc on all day every day then loads of stuff going in garage, how can i not blame him?! :mad: :mad:

Congratulations on your upcoming wedding!

skintchick

well if he works from home then 50/50 is definitely not fair on you! It's fine to be splitting them but it needs to be proportionate to what you earn. At the moment he must have way more disposable income than you and that sin;t fair either! (IF you do the percentages method he still will have of course, but you both end up with the same percentage of your wages as spare cash which is obviusly fairer).

I think you may have to be firm with him o this one especially as he works from home and is therefore using up leccy etc. Surely he can see he should pay for this?

Skye_27

I think he does and he does claim it as part of expenses which is a bit annoying.

I would want mortgage to be 50 50 but utilities split say 60 40, he earns around 50% more than me. The problem is he spends it so quick and is useless at budgetting. Was thinking of a joint account just for house and then we put our share in so neither of us have any surprises coming our of our personal accounts?

skintchick

Exactly what we are going to do! A joint account for the joint stuff and our own accounts for our own.

I still think you should do the percentages thing but I would - it was my idea! H2b thankfully saw the sense of it and agreed. He earns a lot more than me.

Skye_27

We are going away next week to my mums for a mini holiday. I am going to talk to him then, he can't say hes too busy etc. He is happy with joint account idea, well when I said I wouldn't use it for shoes.

Skye_27

Only spent 75p today on magazine. Took lunch and ate breakfast before I left for a change! Got up at 7 instead of half past and was much more relaxed getting ready and out, may try and get up bit earlier in future. :A Can't stand the stress in morning, usually ends up with me half tripping falling down stairs in the rush..... :rolleyes:

Skye_27

WFH today. Quite glad considering the weather! :eek: Means will spend nothing too which is essential at the moment.

Need to check bank statement in a bit and pay Barclayard then call Inland Revenue about some forms I'm waiting for in relation to AQA, Mystery Shopping etc.

Going to clean car out too as it is awful. Can't wait........ :rolleyes:

Skye_27

So glad its Friday!! :beer: :beer:

I am worn out. Fell asleep last night at 7 and woke at 12! Felt awful when woke up.

Going out for quick drink with OH then home and into my pj's I think.

Spent 5.00 in tesco on dinner for me and bits we needed and 4.00 for him (will make him reimburse!). Also spent fiver on anti-tobacco candle cos of him, notebook for a spending diary and hole punch as mine is MIA.

Bought train ticket today as went into London which work will refund me. Also sent back lovefim dvd's (one has gone missing so have to do a claim form :mad: :mad:). When thats resolved, I can cancel. Extra 12.99 a month. Also called barclays to confirm not renewing with them so will be on quidco later to get my bargain contents insurance. :T

Trying to get on weightwatchers wagon again, lost 2 stone when I first did it four years ago. I have followed on and off since then but I have put on a stone over the past year, need to shift as nothing fits. Off to get a weightwatchers dessert. Great! Would much rather:

:EasterBun

Skye_27

Lovely morning here, v sunny and bright. I have the biggest to-do list ever, posting here so can check during the day on my fantastic progress........

Household:

Kitchen - Top to bottom inc dreaded oven :rolleyes:
Bathroom - As above, well no oven :rotfl:
Bedroom - Vacuum, polish & tidy
Living room - Vacuum, dust & tidy
All washing
All ironing :mad:

Take loads of card to recycling centre
Clean out car and vacuum inside
Walk 4 miles with pedometer on for steps (need to go to next little town anyway) :A
Cancel mortgage insurance and take out new policy
Contents insurance
Joint house acc for me and OH
Phone Inland Rev re AQA
Move money into new A&L account
Post cheque for new savings account
Find topshop vouchers - birthday present

I'm going to be busy! :T :eek:

melancholly

just got a couple of gift vouchers in the post today for 2 free months of dvd rental from tesco. got some at christmas and no-one wanted them, so if you fancy getting a couple of months for free, PM me and i'll send you the code (and i have a second one so if anyone else is interested, you're more than welcome to PM me too!)