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When would you financially bed your partner? Poll Results/Discussion
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Dont need to!
We use eachothers cards.
We pay bills off my wage and live off his! We dont need a joint account to do that, we are however about to consolidate all our debts into one loan which both our name will be on.99.9% of my posts include sarcasm!Touch my bum :money:Tesco - £1000 , Carpet - £20, Barclaycard - £50, HSBC - £50 + Car - £1700SAVED =£0Debts - £28500 -
I couldn't vote on this because I think it depends on far too many variables, particularly the relationship - I would have to trust the other person implicitly. The partners attitude to money would also be an important factor, if you have two people with different attitudes to money then it really would be a breeding ground for resentment.
I've got a joint account with my OH, set up when I became pregnant so would have been 3 years into our relationship, works well for us. I still maintain a current account in my own name though for peace of mind.0 -
We have been together 10+ years. We do not have a joint account but did have a joint mortgage. We have kept our seperate accounts, but all money is both of ours. We discuss money very openly and plan spending and investments between us. DP has a credit card and I have a second card on the same account. This has worked very well for us since we first started talking about moving in together, 10 years ago. This works for us, but I know it would work for others.Fashion on a ration 2025 0/66 coupons spent
79.5 coupons rolled over 4/75.5 coupons spent - using for secondhand purchases
One income, home educating family0 -
Been with my partner for about 7 years. I'd never get a joint account with him. He's a serial saver, I'm more of a serial spender. I don't need him to see how I spend my money, and I'm not really interested in how he spends his.
We have a joint mortgage, and split bills according to net income so that it's fair. After that, his money is his, and my money is mine.0 -
I'm single (and always have been), so this doesn't really apply to me, but even if I were married I don't think I'd bother having a joint account. I'm not sure why anyone would need one. My parents never did, they rarely argued over money and are still together 40 plus years on.0
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Me and my other half set up a joint account when we moved in together but its purely for the mortgage/household bills/grocery money etc. Our salaries are paid into our own individual accounts and we transfer a set amount each month into our joint account to cover the bills........it works out better that way as it still means we have independence over how we spend our 'own' money. I wouldnt want it any other way.0
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We have one joint account that our salaries are paid into and the mortgage and bills come out of, and then a separate account each into which we pay a set amount each month for our personal allowance.
I also have an ISA even though we're not at the saving stage yet - one more month till all our debts are paid off!0 -
I could never live with whats mine is mine with my other half.
At one point in our life I was the main earner, I would never let my self have more 'personal' money than him. Now hes the main earner and with his job, I will never have a stable job as will have to follow him around (not have to but I will) so he will more than likely be the main earner.
We will still have equal 'personal' money though!99.9% of my posts include sarcasm!Touch my bum :money:Tesco - £1000 , Carpet - £20, Barclaycard - £50, HSBC - £50 + Car - £1700SAVED =£0Debts - £28500 -
i think as a woman, you are very vulnerable if you rely on your hubby's income. Always, always keep you own account and keep saving for those unexpected events...What goes around - comes around
give lots and you will always recieve lots0 -
I voted for 1-2 years, however...
When it came to my ex, I was the only one with a bank account, and we used this to manage our finances. He was paid in cash, so our DDs came out of my account and we used his cash to do the day-to-day.
We decided it was time to get a joint bank account when we got our first joint mortgage (were previously renting). This was 3.5 years into the relationship.
It actually all went horribly wrong - we fell out quite quickly, neither of us paid into the new joint account, and my ex went on a drinking binge with its overdraft. I was left with a Default on my credit history that will last for years to come, and is already costing me in increased mortgage interest.
But I'd still do it again, if I loved and trusted a new partner. I could never be happy "co-existing" with someone - if it's a true partnership, then everything is shared emotionally, cognitively and financially.Mortgage | £145,000Unsecured Debt | [strike]£7,000[/strike] £0 Lodgers | |0
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