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Unread 07-18-2013, 11:29 AM   #1 (permalink)
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Married with separate checking accounts

Married With Separate Checking Accounts | Bankrate.com

With my ex-hubby, we had a joint bank account and we ended up arguing constantly about money. We ended up spending money without each other knowing about it and end up being short on cash. It just became too confusing to keep on each other's tabs.

With my current hubby, we have a separate bank account and not once we have argued about money. Instead we argue about other things like cleaning up the house. lol

Some people say that it is awful for a married couple to have a separate bank account and that it means that they don't trust nor love each other. I don't understand that theory.
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Unread 07-18-2013, 11:34 AM   #2 (permalink)
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My wife and I have separate accounts. Married for over 10 years now and very few fights about money. We also have a joint savings account though but money just goes in not out.
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Unread 07-18-2013, 11:46 AM   #3 (permalink)
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I think it's a good idea for a married couple to have their own checking account just encase the marriage does not work out. I have seen women get into a abusive relationship and the guy has control of everything , money , car, etc and this a woman trapped . If is works for you and your husband you should not worry what other people think.
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Unread 07-18-2013, 12:31 PM   #4 (permalink)
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I would support the idea of having two bank separate accounts. We both have two banks but our both names are on each of banks. LOL
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Unread 07-18-2013, 12:56 PM   #5 (permalink)
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Quote:
Originally Posted by shel90 View Post
Married With Separate Checking Accounts | Bankrate.com

With my ex-hubby, we had a joint bank account and we ended up arguing constantly about money. We ended up spending money without each other knowing about it and end up being short on cash. It just became too confusing to keep on each other's tabs.

With my current hubby, we have a separate bank account and not once we have argued about money. Instead we argue about other things like cleaning up the house. lol

Some people say that it is awful for a married couple to have a separate bank account and that it means that they don't trust nor love each other. I don't understand that theory.
how does it work like who pays for grocery and bills? 50-50?
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Unread 07-18-2013, 12:58 PM   #6 (permalink)
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I think that's stuff you just have to work out. Plus with my wife and I we don't really see it as her money and my money so much as having separate accounts make it's easy to keep track of.
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Unread 07-18-2013, 01:06 PM   #7 (permalink)
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If either spouse is accounting, you won't have problem with it.
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Unread 07-18-2013, 01:09 PM   #8 (permalink)
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We had a joint checking account, but I also had a separate savings account.
Today, with Internet banking, it's easier to keep tabs on a joint account. Heck, you could find out that "He went to Jared's" the same day he went.
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Unread 07-18-2013, 01:27 PM   #9 (permalink)
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Quote:
Originally Posted by shel90 View Post
Married With Separate Checking Accounts | Bankrate.com

With my ex-hubby, we had a joint bank account and we ended up arguing constantly about money. We ended up spending money without each other knowing about it and end up being short on cash. It just became too confusing to keep on each other's tabs.

With my current hubby, we have a separate bank account and not once we have argued about money. Instead we argue about other things like cleaning up the house. lol

Some people say that it is awful for a married couple to have a separate bank account and that it means that they don't trust nor love each other. I don't understand that theory.

I don't understand it either. My wife and I have separate checking accounts too.

The only thing that should be "joint" should be a family account. One where household bills are paid with, that you both contribute to.

Maybe even setting up a trust for your children that you both contribute to as well. So when grandma or grandpa, or Uncle joe gives them money, it goes in the trust and neither of you can touch it.
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Unread 07-18-2013, 01:36 PM   #10 (permalink)
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One thing I've been thinking I need to do is add my wife to my account so if anything ever happened to me she would have access to it.
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Unread 07-18-2013, 01:54 PM   #11 (permalink)
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how does it work like who pays for grocery and bills? 50-50?
He buys the groceries.
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Unread 07-18-2013, 02:00 PM   #12 (permalink)
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One thing I've been thinking I need to do is add my wife to my account so if anything ever happened to me she would have access to it.
We have accounts set up that way.

We have separate accounts, especially since Hubby's is also his business account. I can access and sign for his account but I never have. It's available if I must but so far, I've never needed to.

For keeping track of spending and income, it's better if we have separate accounts. They are also separate banks.

After over 37 years of marriage, it's worked for us.
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Unread 07-18-2013, 02:03 PM   #13 (permalink)
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... If is works for you and your husband you should not worry what other people think.
That part I agree with. It's not the business of anyone except the husband and wife.
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Unread 07-18-2013, 02:03 PM   #14 (permalink)
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One thing I've been thinking I need to do is add my wife to my account so if anything ever happened to me she would have access to it.
Yea, that's a good idea. I should do the same as well.
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Unread 07-18-2013, 02:06 PM   #15 (permalink)
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Never saw a need for it. We had several accounts for different purposes but they were all joint accounts. We had great communication though. We saw marriage as "becoming one" so there was no need to separate anything. I actually found it enjoyable sitting down and discussing finances, plans and purchases.
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Unread 07-18-2013, 02:25 PM   #16 (permalink)
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We do discuss large (and not so large) purchases together before making them.
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Unread 07-18-2013, 02:26 PM   #17 (permalink)
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One thing I've been thinking I need to do is add my wife to my account so if anything ever happened to me she would have access to it.
yeah that would be a good idea.
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Unread 07-18-2013, 02:57 PM   #18 (permalink)
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We discuss most all purchases other than normal everyday things like gas and food. It's not like because she paid the internet bill it's her internet. It's all ours.
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Unread 07-18-2013, 09:32 PM   #19 (permalink)
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Mine and my wife's we have a joint account, all money goes in one account. We have not fought a lot over money. I know strange but it works just fine for us. To each their own, yes?
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Unread 07-18-2013, 09:35 PM   #20 (permalink)
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We have always had a joint account also, and really no disagreements either.
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Unread 07-18-2013, 09:36 PM   #21 (permalink)
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We do discuss large (and not so large) purchases together before making them.
Same here. :-)
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Unread 07-19-2013, 04:54 AM   #22 (permalink)
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I personally know someone who was married. They each had their own accounts plus a joint account. When they got divorced, the woman cleaned out the joint account. I don't really like the idea of joint account very much. You never know who may clear out your account. There are people that do marry for money. Be careful.
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Unread 07-19-2013, 08:53 AM   #23 (permalink)
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I have no problem with couples who prefer joint accounts. Our system of separate accounts works best for us, especially with TCS having to use his for business, and having an irregular income. When I was working, my income was also very irregular, and some checks (so small) were cashed instead of deposited.

TCS and I never had to worry about either of us marrying for money.
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Unread 07-19-2013, 10:38 AM   #24 (permalink)
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we have seperate accounts,had this argument with my son and wife thy got joint account but with us something needs paying for then the one who there pay for it,husband pays all bills as he got more money coming in...plus women spent many years fighting for equality and a separate bank account was one objective
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Unread 07-19-2013, 11:47 AM   #25 (permalink)
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I think I've had a checking account since about 1970, so I don't remember not ever having one.
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Unread 07-19-2013, 11:49 AM   #26 (permalink)
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I think I've had a checking account since about 1970, so I don't remember not ever having one.
ditto
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Unread 07-24-2013, 11:00 AM   #27 (permalink)
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My wife and I have separate checking/saving accounts and we can access to either accounts. The reason for that, it helped to keep track our own expenses. As far as bills go, she only have to pay for food and water where I pay for mtg, internet, TV, phone, mine and her credit cards (of course she pay her credit card but she couldn't put enough to pay it off so I helped her to pay her CC, like she put in $100 and I put in $300), her car loan, and all the insurances.

Some people asked me why I help her CC, it's not only she keep spending money on clothing (very small portion of that) but the major one is her children medical/dental (and sometime car) expenses, both of her children don't have insurance. I support her because I want to make sure her children raised healthy and I care about them (and my children as well). Plus there are many other factors.

So, having my own account helped me to keep track better with billing and other stuff.
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Unread 10-07-2013, 09:59 PM   #28 (permalink)
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Originally Posted by shel90 View Post
Married With Separate Checking Accounts | Bankrate.com

With my ex-hubby, we had a joint bank account and we ended up arguing constantly about money. We ended up spending money without each other knowing about it and end up being short on cash. It just became too confusing to keep on each other's tabs.

With my current hubby, we have a separate bank account and not once we have argued about money. Instead we argue about other things like cleaning up the house. lol

Some people say that it is awful for a married couple to have a separate bank account and that it means that they don't trust nor love each other. I don't understand that theory.
I definitely think that it takes communication for a lot of problems in a relationship and when it comes to a bank account my boyfriend and I will just discuss something that we will be buying with the money in our accounts. We also have the alerts on our phones and emails to let us know about the balance so we don't go over. But whatever works best for you is important. I hate when money is argued about...
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Unread 10-07-2013, 11:41 PM   #29 (permalink)
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I wouldn't have a joint account. I bust my butt at two jobs, and make pretty good money. I've been in some terrible situations before, and seen plenty. They can have their money, and I'll have mine. Plus, I always seem to date irresponsible broke people.... ( WTF they seemed fine when we first started dating!?!? ) Anyway, I'd never do it.... if they threw a fit about it, that's more of a reason not to do it too.
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Unread 10-08-2013, 02:45 AM   #30 (permalink)
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I had Joint account for, um 7 years. I didn't have issues so far and I don't see reason why need separate accounts
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