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Cheryl W | Do you think spouses should merge finances? |
I am married and my husband and I see absolutely no reason to do so. We each have our own checking and savings accounts. He gives me money for rent and we split up the other household bills, for example he pays the cell phone bill and I pay the car insurance. We would like to buy a home in a few years and are each saving in our own accounts. We discuss finances frequently and help each other with our budgeting. But I see no reason to merge accounts. This works very well for us. What do you guys think? Why do people feel it is necessary to merge money? PS we have no kids and do not want any, if that's a deciding factor.
Additional Details
Don't get the idea that we don't share money. We definitely do. I'm just talking about having joint accounts. We would never let the other one go without something if they were short on cash. |
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BLULINR
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Good for you, I think this is a great idea. One of the top, if not THE top thing couples argue about is money. With separate accounts, there will never be any problem with "Why did you spend XXX on YYY?" or discussions on how to use "our" money. I plan on doing the same thing next year. |
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hanora
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I think people should do whatever works for them. We have always merged finances. We married as students, started our savings account with wedding money and never really thought about separate accounts. We do have separate credit cards but I pay all the bills; his, mine and ours. It is to our advantage to have separate IRAs so we do, but all our other assets (real estate, cars, stocks) are held jointly.
We've been married for 35 years and have had very few disagreements about money. It's not for everyone, but it has worked for us. |
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So Condescending
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What your doing is good. You leave no room for arguments on who is paying what. And your relationship is actually alot more stable that way.
God for you and good luck with your marraige. Your well on your way. |
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beckyknight88
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My husband and I had different accounts for the first 2 years of marriage and then got a joint account. All paychecks go in the joint and then we evenly divide up spending money or savings for the personal accounts that we have. We will use our joint account for food, bills, shopping, gifts, house payments, etc. The personal money is for whatever you may want extra. Do whatever works for you as long you are happy and not fighting over money. |
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vangorn2000
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There's actually no reason for you both to have a joint checking account if all your bills get paid, and different people have different systems. My wife, for instance, cannot open a personal bank account at this time because of some past credit problems she has yet to resolve, so all her checks go into my account and I pay all the household bills out of it. That's worked for us for five years now. Other married couples I know maintain three accounts, only one of which is joint and the other two personal.
It's important to note, because you are married, that legally your finances are already merged whether you think so or not. Meaning, for example, if your husband applied for a credit card drawn solely on his account and then didn't pay it off, or forgets to pay a bill which is then sent to collections, that BOTH your credit scores would be affected, and that your account as well as his could be raided to pay off any outstanding debts he might incur. |
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One Tired Mamma
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I think you should stick with what works. Me and my hubby merged before we were even married (but living together) just to solve xtra paperwork on another account for me really.
don't worry about it like I said do what works for you. |
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DankestOne
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My wife and I do the same and even own a home. Its whatever works for you. No real benefit or negative either way. Also easier if you all do decide to go your seperate ways, I've seen far to many people have everything drained because their cheating spouse was on the account. |
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Greg S
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I do the same thing, the only reason to do this is if one or the other of you is bad with money, it would be a safeguard against over-the-top spending. Other than that I can't think of a reason why. |
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alilley07
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I think merging bank accounts is a recipe for disaster. Especially since money is the number one thing that couples fight about. As long as you feel that the way you split up bills is fine, then keep things the way they are.
If it ain't broke, don't fix it. |
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kta kta
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I can tell you that having joint checking and savings accounts has no bearing on being approved for a loan. If you like seperate accounts, I would keep it that way. It won't effect your ability to borrow $. |
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Slipps
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I'm the same as you.. my fiance and I did not merge bank account.. and i get so much from family and friends about it. I'm not the one against it, I actualy make more money then him but he dosne't want to merge. I'm also find with the no merge.. I spend what I want where I want.. yet still make sure I plan for the future. We also jsut bought a house together and it;s fine, we both contribute equally... I don't think it's a problem, but I also think it might be a different story when you do have kids. |
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no one special
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if you are on the same page financially you are creating more work for yourself. why not work on them together? You are married not roomates. (I know that sounds blunt, but no other way to say it) I know couples who have seperate because one is bad with money and others who have joint accounts becuase they are a family and everything is everyone elses.
it is up to you of course. you can get a better idea of where you are by having one account. but that is just me |
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Think Richlyâ„¢
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No, it's not 'necessary' to merge accounts - it should be for convenience. Personal account for each, and a joint account for certain specific joint expenses. |
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trop
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Maybe merging would give more to buying a home etc. How do you answer household income...is it just yours? |
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slutty_teresa
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Some of the advantages of merging accounts, besides creating trust, is creating a division of responsibility and also efficiancy. It is sometimes simpler and more efficient to have one person to all the bills.
Its similar to asking the question: Why shouldnt I maintain 10 bank accounts. If you are comfortable enough with it, go for it. But, for other people, it becomes unwieldy. |
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♥Big Red♥ is TTC [month 5]
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"what's yours is mine, what's mine is yours"
that's how i see it.
you shouldn't have seperate stuff.
and if you do, you should have a joint account with some money in it. |
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