Banks Accounts heaps, but Im a F Planner and budget best I can for everything.
Just counted 33 OMG
two credit cards 1 for everyday 1 for medical IVF
Home loan & Investment property loans which are split so that adds
pay account for me & DH
savings a/c each
rental a/c for their direct credit
food & expenses account
line of credit
medical obs fees
These accounts are offset to reduce interest Im charged on my home loan. Also as bank staff I pay no fees for accounts.
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30-12-2014 22:22 #31
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31-12-2014 01:51 #32
My personal account
DH's personal account
Joint savings account
Home loan account
DD's savings account
DS's savings account
31-12-2014 07:54 #33Senior Member
- Join Date
- Sep 2009
Dh and I both have an individual account (not sure why we don't use them!).
The kids all have their own account
My cc account
Joint personal account
Joint business account
7 loan accounts
A high interest (well it used to be!) savings account in my name.
For the record 7 of these accounts are for the business. We do really need to downsize though.
31-12-2014 08:18 #34
My spendings account
DHs spendings account (we each get $200 f/n transferred so we can do what we like with this money)
General access account (both pays go in here and then automatic transfers set to divvy it up between bills and our spendings. As my wage fluctuates we manually transfer money to our savings accounts)
Bills account (all our bills are set to DD from this account)
Short term savings (has $5.5k currently)
Long term savings (currently empty )
We then also have visual access to both fixed and variable portions of the mortgage. All our accounts act as offset accounts to our mortgage, but no redraw facility).
31-12-2014 16:28 #35
DS2' s account
And a couple of others that i don't use anymore.
Thinking i should probably merge the kids account too as that way more interest will be earnt.
31-12-2014 17:24 #36Senior Member
- Join Date
- Aug 2009
Every day account.
That's all atm. I should separate my bills and savings but then there's too many and it gives me the irrits.
31-12-2014 17:25 #37-
- Join Date
- Feb 2013
Just one each...spendings and empty except for a few minutes each payday
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