[rec]

Just wondering what works for others.

For me- My husband and I are on eachothers checking accounts (w/ same bank) but spend 'our own' money. We have a shared savings account.

He pays:
mortgage
car payments
cell phone
car insurance
his credit card

i pay:
water/sewer/garbage
electric
power
cable/internet
my credit card

and as far as daily spending, we spend from my account in a ratio of 2:1 with his account.

if he wants something, he buys it. if i want something, i buy it. we generally discuss purchasing any single item that costs more than 100 dollars beforehand...but we dont really discuss individual purchases.

What works for you?
It seems like I'm almost alone in that we don't really have a combined account. We bank when bank of america... so when I log onto our online banking... I see : my account, his account, our account, although they are all "ours".

we manage our finances together- but we keep them seperate.

[tccd81]

We have one account for bills that we pay everything out of. We deposit both of our checks in to this one account and use both of our money to pay all the bills. Whatever is left just stays and grows a little. We are about to start putting 10% of both our incomes in to a savings account.

[ariel_okinawa]

i pay the bills out of our checks and he gets an allowance when there is money left over. seriously!

[Kimberlee]

Ours isn't the Normal arrangement (at least I don't think so)

We own two businesses together and therefore - I run the office end of the businesses. We have one joint checking account for the both of us and I pay us alternately. I pay him every two weeks and I pay myself every other two weeks. The bills are all paid by me out of the joint account. See, like I said, not your normal situation~ My answer probably shouldn't count huh?

[Beth B]

Well, I only work part-time and my husband works full-time. We have separate checking accounts (but are both on each of the accounts), as I had to bank with the same bank that my old job banked with due to direct deposit reasons.

Although all of the money belongs to both of us, we divvy up things that we pay for just like you do -

I pay things like food, Wal-Mart, Target and household needs out of my check, and he pays the "major" things like our mortgage, electric, water, car insurance, life insurance, etc. our of his.

We have a joint savings account together as well.

It's never really been a problem for us, and in just a few weeks, we'll have been married 15 years. It's just our "system!"

[Special K]

We pool our money together. He gets an allowance for the week. He hates finances, so I am the check writer and bill payer. We have a joint checking/savings acct., but I also keep one on the side for a rainy day!