Shared Bank Account with Spouse

[JerBearr]

Do you share a bank account with your spouse?

 

[Long cat]

Of course. We kept one account I’ve had since I was five because I have had a credit card on that account for 20 years but I added her to the account.

 

[rCW702]

Fuck no. She doesn't need to see how much money I blow on booze and gambling and I would loose my shit if I saw how much money she blows on stupid shit.

 

[yankmenoodle]

We have mine, hers, and ours. My pay goes into ours, I take out my allowance and put in mine, she pays bills out of hers and ours. I don't have any idea of whats in her account. I don't care. She pays the bills. She buys stuff nearly every day, and I buy stuff maybe once a year. But when I buy, it's a boat, or a car, or a gun, or three guns.

 

[JerBearr]

We have mine, hers, and ours. My pay goes into ours, I take out my allowance and put in mine, she pays bills out of hers and ours. I don't have any idea of whats in her account. I don't care. She pays the bills. She buys stuff nearly every day, and I buy stuff maybe once a year. But when I buy, it's a boat, or a car, or a gun, or three guns.

That's admirable

 

[dirtytoeddawg]

Nope

All our accounts are separate. I deposit once a month into hers and she handles the majority of the household bills. I handle anything dealing with the yard, the farms, the pool etc.

We typically discuss any purchases above a grand or at least let the other one know about it.

 

[JerBearr]

Nope

All our accounts are separate. I deposit once a month into hers and she handles the majority of the household bills. I handle anything dealing with the yard, the farms, the pool etc.

We typically discuss any purchases above a grand or at least let the other one know about it.

Do you deposit the same amount each month or does it fluctuate depending on how much bills are. I actually really like the logistics of this. Are you from an older generation or a newer generation, I'm guessing a newer generation?

 

[dirtytoeddawg]

Do you deposit the same amount each month or does it fluctuate depending on how much bills are. I actually really like the logistics of this. Are you from an older generation or a newer generation, I'm guessing a newer generation?

Most of the time it's the same amount. From time to time it's a bit more or less depending on what's going on. I'm 50 fwiw.

 

[poke2001]

Separate but a joint credit card. My pay goes into my account, hers goes into hers. I pay the mortgage. All bills and monthly spending goes onto the joint CC which we split each month and pay 50/50.

my car payment is paid from account, hers from her account.

 

[Alpha_Cock]

We have several, all joint. She is the joint holder in case I die, she can access all the funds. But, other than holding the checkbook to pay for kids stuff, she doesn't have a clue about any amounts in any accounts.

I might be an old traditionalist (48 yo), but it is the man's job to take care of the household. She just tells me what checks she writes and gets a couple hundred out of the safe when she needs it.

 

[AgEngDawg]

I am probably being a moron, but have not idea what is going on with the accounts. I don't pay bills, couldn't tell you the house payment, etc. I have not looked at the account in 3 years probably.

She handles all the finances so I do not have to think about it. She is a stay at home Mom and we are not in debt so I don't worry about it.

I live my life like this. I spend money and my wife does not yell at me I know the finances are good. If my wife starts yelling at me about spending money, I know that I need to tighten up. I know no numbers.

If I suddenly had to start paying bills, I would be fucked.

 

[PawPower1981]

We both make the same amount and she pays the bills so we have one acct. I do have Tony Soprano stash hidden in the wall tho

 

[GatorOK]

I am probably being a moron, but have not idea what is going on with the accounts. I don't pay bills, couldn't tell you the house payment, etc. I have not looked at the account in 3 years probably.

He handles all the finances so I do not have to think about it. She is a stay at home Mom and we are not in debt so I don't worry about it.

I live my life like this. I spend money and my wife does not yell at me I know the finances are good. If my wife starts yelling at me about spending money, I know that I need to tighten up. No numbers.

If I suddenly had to start paying bills, I would be fucked.

This is my life. I told my wife I want enough to buy a round for the bar and play golf once a week. She does it all, and we do fine.
My last wife and I shared. She called and said I want a divorce and I executed a flawless plan with accounts and cards. Got there before she did. I am prepared.

 

[ChicagoFats]

She basically gets access to our joint accounts and has her own accounts.

Whats hers is hers and whats mine is hers.

Spoiler

bitch

 

[JerBearr]

We have several, all joint. She is the joint holder in case I die, she can access all the funds. But, other than holding the checkbook to pay for kids stuff, she doesn't have a clue about any amounts in any accounts.

I might be an old traditionalist (48 yo), but it is the man's job to take care of the household. She just tells me what checks she writes and gets a couple hundred out of the safe when she needs it.

Does this ever create complications in terms of how much is available in the accounts? If a household is responsible with funds and I don't see an issue with quantity of money, but I could see there being an issue with quantity of money in a certain account. Sometimes I need to shuffle funds depending on the size of the purchase and the other amount of money I have spent during the given month. I can see an issue coming up if she writes a check out of an account which is currently low and needs to be balanced.

 

[JerBearr]

I am probably being a moron, but have not idea what is going on with the accounts. I don't pay bills, couldn't tell you the house payment, etc. I have not looked at the account in 3 years probably.

She handles all the finances so I do not have to think about it. She is a stay at home Mom and we are not in debt so I don't worry about it.

I live my life like this. I spend money and my wife does not yell at me I know the finances are good. If my wife starts yelling at me about spending money, I know that I need to tighten up. I know no numbers.

If I suddenly had to start paying bills, I would be fucked.

This would stress me out. I feel like I need to know how much money I have before I spend, even if it is a small $12 dinner out purchase, I want to know how much I have. I am not in debt and am well off (for my age), but I still feel like I need to know.

 

[JerBearr]

This is my life. I told my wife I want enough to buy a round for the bar and play golf once a week. She does it all, and we do fine.
My last wife and I shared. She called and said I want a divorce and I executed a flawless plan with accounts and cards. Got there before she did. I am prepared.

That scares me. I will not get into a marriage I don't believe will last, BUT I am fully aware anything can happen. I want to have a joint account but once a month me and her would deposit a quantity of whatever we agree upon, and then all shared expenses come from there. If there is extra in the account at the end of the month, that is what is used for gifts, dates (if only lmfao im sure kids will prevent dates), etc...

I just want to be prepared with an account that is mine that has my money in it, so if the shit hit the fan, I wont be left living on the street.

 

[Jbehel]

Fvck No.

 

[Monica_L_DidNothingWrong]

That scares me. I will not get into a marriage I don't believe will last, BUT I am fully aware anything can happen. I want to have a joint account but once a month me and her would deposit a quantity of whatever we agree upon, and then all shared expenses come from there. If there is extra in the account at the end of the month, that is what is used for gifts, dates (if only lmfao im sure kids will prevent dates), etc...

I just want to be prepared with an account that is mine that has my money in it, so if the shit hit the fan, I wont be left living on the street.

I have the same idea for my future relationships. With the divorce rates these days you can never be too prepared to cover your ass. I feel like this can partially be summed up as a generational issue too

 

[Alpha_Cock]

Does this ever create complications in terms of how much is available in the accounts? If a household is responsible with funds and I don't see an issue with quantity of money, but I could see there being an issue with quantity of money in a certain account. Sometimes I need to shuffle funds depending on the size of the purchase and the other amount of money I have spent during the given month. I can see an issue coming up if she writes a check out of an account which is currently low and needs to be balanced.

Very rarely maybe if we have a big credit card bill that I pay from the checkbook account. Normally, it just grows with payroll ACHs and I xfer excess to our brokerage acct. But yeah, it used to be a problem 20 years ago when money was tight, less accounts and more checks written back then.

 

[Zgdaf]

We have mine, hers, and ours. My pay goes into ours, I take out my allowance and put in mine, she pays bills out of hers and ours. I don't have any idea of whats in her account. I don't care. She pays the bills. She buys stuff nearly every day, and I buy stuff maybe once a year. But when I buy, it's a boat, or a car, or a gun, or three guns.

Make sure you take out 1k or so a month in cash and pay a buddy to buy crypto and send to your untraceable wallet.

 

[Irishhawkeye2107]

We have a joint account only. I pay all of our bills and plan for retirement and large purchases.

We set joint goals at the beginning of each year for projects, investments, vacations, and savings. I monitor how we’re doing monthly and we slow our spending if needed. We also ask before any purchases over $100. Neither of us had ever told the other no, but it helps keep us accountable because neither one of us wants to be the one asking all the time.

We have never fought about money in 10 years together. It helps that we both do relatively well and grew up frugal. We value time with the family and friends more than a huge boat or vacation home. It works really well for us and has helped us to a great life. We are mid 30s.

 

[UNC71-00]

Thank God OP got an avatar so I could open this thread.

we have separate checking accounts and a shared AMEX account. I pay some bills, she pays others. She is also fiscally responsible so I pay no attention.

I do get slightly agitated when she complains about the cost of things. No point in going down that road unless we want to discuss the price of hair stylings, nails, massages and shoes.