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    Default Do you have separate bank accounts as your spouse?

    With those with separate accounts and kids how do you work out paying for your child's things - my SIL for example has a lot of trouble with this - if she say buys the girls s new dress or we see something on sale that they like she buys it with her money and depending what it is her husband decides whether or not to go halves ? She bought them some dresses on sale last week and he said he is not paying half as it was not a necessity and if she liked them she can pay for them!
    Last edited by Elijahs Mum; 20-01-2013 at 11:34.

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    Default Do you have separate bank accounts as your spouse?

    At the moment I pay for most things as I do most of the shopping. If DP is at the shops and DD needs something hel'll buy it.

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    Default Do you have separate bank accounts as your spouse?

    Quote Originally Posted by Elijahs Mum View Post
    With those with separate accounts and kids how do you work out paying for your child's things - my SIL for example has a lot of trouble with this - if she say buys the girls s new dress or we see something on sale that they like she buys it with her money and depending what it is her husband decides whether or not to go halves ? She bought them some dresses on sale last week and he said he is not paying half as it was not a necessity and if she liked them she can pay for them!
    DH pays all bills and rent whatever is left from his pay goes into a savings account. Then I buy all food and whatever is left over is our money to buy what we both want. Be it kids clothes or our clothes. We think of it as all our money, not his money and my money

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    Quote Originally Posted by Elijahs Mum View Post
    With those with separate accounts and kids how do you work out paying for your child's things - my SIL for example has a lot of trouble with this - if she say buys the girls s new dress or we see something on sale that they like she buys it with her money and depending what it is her husband decides whether or not to go halves ? She bought them some dresses on sale last week and he said he is not paying half as it was not a necessity and if she liked them she can pay for them!
    We arent like that with our accounts. If I buy something I am more than welcome to use DPs card...and he is free to use mine. Normally its a case of getting to the check out and saying "my card or yours" and we just decide. Sometimes we cant use my card because the money in there needs to stay there for the direct debit of rent to come out, so I use his card.
    Ive never bought anything and then he decides if he wants to go halves. He doesnt care less if I have used his card.

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    Default Do you have separate bank accounts as your spouse?

    Quote Originally Posted by Elijahs Mum View Post
    With those with separate accounts and kids how do you work out paying for your child's things - my SIL for example has a lot of trouble with this - if she say buys the girls s new dress or we see something on sale that they like she buys it with her money and depending what it is her husband decides whether or not to go halves ? She bought them some dresses on sale last week and he said he is not paying half as it was not a necessity and if she liked them she can pay for them!
    Ours isn't like that either. We have separate accounts but the money is completely shared except for a small amount that I have as spending money each week. If I want to buy something for dd I just buy it and use either my spending money or more likely the general account. My DH couldn't care less what I buy. We have a joint savings goal and are both good savers so its not an issue for us. Nothing is split 50/50 here, just happen to have money in different accounts.

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    Default Do you have separate bank accounts as your spouse?

    Quote Originally Posted by Elijahs Mum View Post
    With those with separate accounts and kids how do you work out paying for your child's things - my SIL for example has a lot of trouble with this - if she say buys the girls s new dress or we see something on sale that they like she buys it with her money and depending what it is her husband decides whether or not to go halves ? She bought them some dresses on sale last week and he said he is not paying half as it was not a necessity and if she liked them she can pay for them!
    I don't really understand because even when I was working and had my own money I still never spent it on whatever I wanted or went halves. It's still our money.
    Now I have an allowance in my account for groceries and to do what I want as part of our budgeting or I tell dh what I need for the kids (clothes etc) and its either 'wait till next month' or its fine and ill put extra in my account from his to shop with. If I run out of money I go into his account and transfer.
    I never see his pay as his or mine as mine, it's all ours. I don't ask permission or am 'borrowing' his money, we're both active in knowing what's going out and how much we're spending and then what we can afford.

    There is no right or wrong way, each family is different and what works for them. Having a joint account makes no difference as long as you have access and know what's going on.

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    We have seperate accounts but pool our money. My money pays most of our direct debits, his account covers our food, spending money and a few bills. There is no my money your money. We are a team. I usually find that with couples that do that, one is a big spender (often the main income earner) and they use the 'my money' to justify spending heaps on themselves. Of course that's not always the case. Each to their own.

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    Default Do you have separate bank accounts as your spouse?

    Pre-baby/maternity leave we had separate accounts. My pay would pay the mortgage and a large payment to a personal loan (it was a goal of ours to get rid of the loan as quickly as possible), so I never saw a cent of 'my' money, it came in and straight back out. 'His' pay paid our expenses like fuel, groceries, phone bills, electricity etc. whatever was left over we shared.

    The rather hefty personal loan was existing before we got together. So while it was 'his' debt that 'my' money was paying off it was a joint goal to pay it off with joint money.

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    No dh and I have joint accounts, it was natural to do it that way. Both pays go in and bills come out. Everything we have is ours, not mine or yours. We are a team.

    Sil and her dh have separate accounts, she has her money and he has his, we find it odd.

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    We have separate accounts, but only in name (ie we have never bothered to make our personal accounts in both names). All our accounts are with the same bank and are linked on the same card and internet banking account. We both have free and open access to all accounts. These days we use one account (DH's) for everyday expenses, bills etc, and the other for investment/mortgage expenses. i look after the money (SAHM) and transfer money between accounts regularly. My DH asks me regularly "have we go enough money for "this" ", as most of the time he has no idea how much money we have , even though he is the breadwinner. We have 3 mortgages in joint names and a credit card in my DH name (can't get a joint CC), but we both have full access to both.

    Its annoying sometimes with the CC, when I need to call the bank, my DH has to do all the "security questions", then he passes te phone to me as he has no idea!

    We have been together 19yrs....


 

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