All up, DH and I have 7 between us: our own everyday account, car savings, house deposit savings, travel savings, bills account and other savings account. Plus an account for DD and I guess we'll open one for DS soon.
Bit weird but works for us.
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30-12-2014 17:34 #21
30-12-2014 17:43 #22
Joint offset account (daily spending, pays get deposited here)
Old joint account with a different bank which is now only used to transfer money into to be paid off our CCs
Baby savings (which is currently empty with no plans for another baby yet lol)
Clothing / Medical / Vet
Luxuries (hairdresser, etc)
Car rego, insurance, green slip
Uni savings (I won a scholarship but deferred so have the money in there)
I have direct debits set up from our joint account on pay day for all of the sub-accounts. I would have more so I don't have to combine things like clothing / medical / vet but the limit is 10 lol
30-12-2014 17:59 #23
We have 6 accounts in total, though two of those are mine from before I was married and had any kids.
30-12-2014 18:06 #24
30-12-2014 18:58 #25
My card which everything goes into then transfers automatically out of into
Joint savings which covers all our bills and
My savings which is Internet access only acct
And credit card which I pay off every pay just for convenience really doesn't have a very high limit
I have 3 cards for the everyday,credit and joint but always just use one its all the same. I thought I had a lot but I guess not!
30-12-2014 19:12 #26
My husband gets his wages paid into his business account which always has about $500 for his monthly insurances like workers comp and public liability and other business expenses.
The rest of his wages get transferred into our offset account that the mortgage cones out of.
I have a separate account with a different bank that my pay goes into and that pays majority of the rest of the bills.
30-12-2014 19:20 #27
How many accounts do you have?
2. Ds savings
3. Joint account with Dh
4. Everyday use account
5. Credit card
6. Mortgage account
Dh has his own transaction account too
Last edited by Mod-Zeddie; 30-12-2014 at 22:59.
30-12-2014 19:34 #28
How many accounts do you have?
Home Loan Account
Credit Card Account
30-12-2014 20:42 #29
Everyday account (which is an offset)
Also I have recorded all my income and expenses in a 'money' program for the last 15 years. I can tell you to the last cent how much we have earned and spent over this time. But I still can seem to stop over spending.
30-12-2014 21:19 #30
Joint accounts - mortgage, expenses, bills, savings, Ubank expenses, Ubank dd savings, UBank dd clothes, UBank savings, UBank holiday
Personal - everyday, savings
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