Hellobee Boards Topic: Do you have separate or joint checking?

Hellobee Boards Topic: Do you have separate or joint checking? https://boards.hellobee.com/ Pregnancy, Baby and Parenting blog, by Hellobee en Sun, 24 May 2026 22:39:06 +0000 Colee on "Do you have separate or joint checking?" https://boards.hellobee.com/topic/do-you-have-separate-or-joint-checking/page/2#post-595506 Tue, 26 Feb 2013 19:06:31 +0000 Colee 595506@https://boards.hellobee.com/ Separate. He makes more, so he pays larger bills and I pay smaller bills. I agree with @marionberry I like being able to spend money without my husband questioning my purchases and I don't want to know how much he spends on golf junk. But maybe if we were held accountable to each other, we would save more money! But we would also fight more! matador84 on "Do you have separate or joint checking?" https://boards.hellobee.com/topic/do-you-have-separate-or-joint-checking/page/2#post-595414 Tue, 26 Feb 2013 18:43:18 +0000 matador84 595414@https://boards.hellobee.com/ Separate, but a joint account for things for ds. I'd prefer we had joint accounts. marionberry on "Do you have separate or joint checking?" https://boards.hellobee.com/topic/do-you-have-separate-or-joint-checking/page/2#post-595409 Tue, 26 Feb 2013 18:41:08 +0000 marionberry 595409@https://boards.hellobee.com/ I voted other. We each have our own separate checking accounts and pay bills out of each. He takes the larger ones because he makes more, and I take the rest. This also allows us to have some individual money that we can do whatever with. He doesn't have to ask me to buy Notre Dame wear and I can shop freely for makeup. We also have a joint savings account so that if we want to save money for a trip or a house or something of that nature, we can keep putting money in there from either account. I usually have more free cash, so always put some in each pay period. I'm also on his account so that I can transfer money as necessary between all three accounts which does happen on occasion. I watched my parents fight constantly about money until they split up their finances, and this system has always worked great for DH and I, so we don't question it. heffalump on "Do you have separate or joint checking?" https://boards.hellobee.com/topic/do-you-have-separate-or-joint-checking#post-595335 Tue, 26 Feb 2013 18:04:38 +0000 heffalump 595335@https://boards.hellobee.com/ We're all joint. I like it.... except for gift giving. DH takes care of the bills so he's the one who see's all of the credit card statements and I have to get creative. I either to go the store and pay with cash, but if it's something I have to buy online I'll give my mom cash and use her credit card and then ship it to her house. kiddosc on "Do you have separate or joint checking?" https://boards.hellobee.com/topic/do-you-have-separate-or-joint-checking#post-595211 Tue, 26 Feb 2013 17:13:09 +0000 kiddosc 595211@https://boards.hellobee.com/ We have a joint checking and savings account where the majority of our money goes. Then we each have our own checking and savings accounts. We each get a $300/month allowance to use on personal spending (shopping, going out to eat solo, gifts, etc) or to put in our personal savings. This way i dont feel bad if my Starbucks habit flares up or i go on a shopping spree. All the bills are paid out of the joint account. Pepper on "Do you have separate or joint checking?" https://boards.hellobee.com/topic/do-you-have-separate-or-joint-checking#post-595209 Tue, 26 Feb 2013 17:12:56 +0000 Pepper 595209@https://boards.hellobee.com/ Everything is joint. We actually had joint accounts before we got married because we were living together. I'm very type-A about our finances, whereas DH doesn't like to handle any bills. blackbird on "Do you have separate or joint checking?" https://boards.hellobee.com/topic/do-you-have-separate-or-joint-checking#post-595137 Tue, 26 Feb 2013 16:48:07 +0000 blackbird 595137@https://boards.hellobee.com/ His/mine/ours money lemondrop on "Do you have separate or joint checking?" https://boards.hellobee.com/topic/do-you-have-separate-or-joint-checking#post-595128 Tue, 26 Feb 2013 16:45:09 +0000 lemondrop 595128@https://boards.hellobee.com/ We kept all of our old accounts, but added the other person into each of them, so multiple accounts that are all joint. fussygal on "Do you have separate or joint checking?" https://boards.hellobee.com/topic/do-you-have-separate-or-joint-checking#post-595091 Tue, 26 Feb 2013 16:36:02 +0000 fussygal 595091@https://boards.hellobee.com/ We're completely combined. We both still have old, empty checking accounts, but it's just because we're too lazy to close them, lol. I also have one credit card that he isn't on, but we've paid it off and never use it so there is no reason to add him. MrsStormy on "Do you have separate or joint checking?" https://boards.hellobee.com/topic/do-you-have-separate-or-joint-checking#post-595084 Tue, 26 Feb 2013 16:33:53 +0000 MrsStormy 595084@https://boards.hellobee.com/ Ours are a little weird, we have joint checking and savings- almost everything goes through the joint checking but we also have separate accounts attached to our joint one that we put money in occasionally for just like free money, money to eat out with friends buy whatever without discussing, and for gift giving holidays we just put a certain amount in both accounts and use that so the other person can't see where it got spent. Honestly though we don't use the separate accounts often, I thought we would before we got married, but it can be a little too complicated so yeah... LindsayInNY on "Do you have separate or joint checking?" https://boards.hellobee.com/topic/do-you-have-separate-or-joint-checking#post-595051 Tue, 26 Feb 2013 16:25:02 +0000 LindsayInNY 595051@https://boards.hellobee.com/ @runnerd: We handle our finances similarly. It's all in joint accounts but we have separate credit cards, each paid in full every month. The credit cards allow us to make birthday/Christmas purchases in secret. I could technically hide purchases on it if I wanted but DH would be able to tell if I had new clothes! Sweet T on "Do you have separate or joint checking?" https://boards.hellobee.com/topic/do-you-have-separate-or-joint-checking#post-595041 Tue, 26 Feb 2013 16:22:45 +0000 Sweet T 595041@https://boards.hellobee.com/ All of our finances are joint. It's been that way since we got married. SleepyMonkey on "Do you have separate or joint checking?" https://boards.hellobee.com/topic/do-you-have-separate-or-joint-checking#post-595039 Tue, 26 Feb 2013 16:21:14 +0000 SleepyMonkey 595039@https://boards.hellobee.com/ we have a joint checking and savings, and we each still have our individual checking and savings from when we were single. but all of our money goes into the joint accounts. i don't even know why we still have individual accounts. CupQuakeWalk on "Do you have separate or joint checking?" https://boards.hellobee.com/topic/do-you-have-separate-or-joint-checking#post-595028 Tue, 26 Feb 2013 16:18:31 +0000 CupQuakeWalk 595028@https://boards.hellobee.com/ We have one account that is together. But then, I have my account that is separate too. So, I share his but he doesn't share mine. I am not currently working so mine is empty anyway haha and we only use his either way. I used to use mine only to pay off student loans and try to build my credit up (from nothing). Caly on "Do you have separate or joint checking?" https://boards.hellobee.com/topic/do-you-have-separate-or-joint-checking#post-594951 Tue, 26 Feb 2013 15:56:47 +0000 Caly 594951@https://boards.hellobee.com/ We have several bank accounts and all are joint. While we both have credit cards both separately and together, we use one credit card for all purchases for the points. Each month, it's paid off. We both shop as we please but will discuss large purchases. Mrs Green Grass on "Do you have separate or joint checking?" https://boards.hellobee.com/topic/do-you-have-separate-or-joint-checking#post-591837 Mon, 25 Feb 2013 12:43:30 +0000 Mrs Green Grass 591837@https://boards.hellobee.com/ We are completely separate, but only because we are too lazy to deal with choosing a bank and combining everything. DH makes way more than me so he basically pays for everything and my money is "extra." So essentially it's combined. Ash on "Do you have separate or joint checking?" https://boards.hellobee.com/topic/do-you-have-separate-or-joint-checking#post-591825 Mon, 25 Feb 2013 12:40:17 +0000 Ash 591825@https://boards.hellobee.com/ @ms.janedoe: exactly how ours is! That's what we did with our wedding money too. And that's where it hangs out. All alone. lol! PurplePumps on "Do you have separate or joint checking?" https://boards.hellobee.com/topic/do-you-have-separate-or-joint-checking#post-591754 Mon, 25 Feb 2013 12:24:59 +0000 PurplePumps 591754@https://boards.hellobee.com/ For about a year after we got married, we maintained our separate checking and savings account. We split up the bills accordingly so we each paid about half since we make about the same. This was just to keep the accounts balanced so we knew how our earning to spending ratio was doing. Then DH thought it'd be easier to just see it out of one account instead of having to do mental math all the time so we combined everything into my checking account. It's taken a bit of getting used to since I'm not used to seeing his paycheck get deposited into mine and everything come out of mine all at once too, but I think it does simplify everything in the long run. We share have our own credit cards and added each other as users and just use which ever one has the best rewards. And we have joint savings also. We basically view all our money as joint and discuss large purchases over $500. Turd Ferguson on "Do you have separate or joint checking?" https://boards.hellobee.com/topic/do-you-have-separate-or-joint-checking#post-591752 Mon, 25 Feb 2013 12:24:48 +0000 Turd Ferguson 591752@https://boards.hellobee.com/ @Ash: We're almost identical. We each have our separate accounts we've had forever, then after we got married, we made one joint one to deposit all of the wedding money into. I feel like we had intentions to combine everything, we just...haven't done it yet. We've discussed it and planned it then...never do it. We've just continued to pay everything like we did prior to getting married. avivoca on "Do you have separate or joint checking?" https://boards.hellobee.com/topic/do-you-have-separate-or-joint-checking#post-591730 Mon, 25 Feb 2013 12:17:55 +0000 avivoca 591730@https://boards.hellobee.com/ We have separate checking accounts and credit cards, but a joint savings account. The only purchases that are hidden from one another are the odd lunch out and any gifts. KissMeCait on "Do you have separate or joint checking?" https://boards.hellobee.com/topic/do-you-have-separate-or-joint-checking#post-591719 Mon, 25 Feb 2013 12:14:58 +0000 KissMeCait 591719@https://boards.hellobee.com/ Everything is combined except for the credit cards of which we each only have one and it's the exact same card, with the same terms. We went joint long before we were engaged. We lived together for many years prior to marriage so it seemed right for us. As for how we handle purchases and what not, we only discuss them when the total is going to amount to a larger sum (like a couple hundred bucks). We both know what the finances look like and can make a conscious decision to either spend extra money or save it. prettylizy on "Do you have separate or joint checking?" https://boards.hellobee.com/topic/do-you-have-separate-or-joint-checking#post-591715 Mon, 25 Feb 2013 12:13:37 +0000 prettylizy 591715@https://boards.hellobee.com/ Everything is joint for us, it has been that way since we moved in together. I grew up watching my parents hide money and purchases from eachother and that created a sense of normalcy for me to keeping things like that a secret. I'm much better if we just keep it all out in the open. Chillybear on "Do you have separate or joint checking?" https://boards.hellobee.com/topic/do-you-have-separate-or-joint-checking#post-591692 Mon, 25 Feb 2013 12:05:31 +0000 Chillybear 591692@https://boards.hellobee.com/ we just combined our finances in 2013. i like to keep things compartmentalized so we a savings account, then we have a joint checking where our paychecks go and we pay bills, gas, groceries and incidentals from, each week $100 goes from the joint account to each of our separate accounts for spending. This money is for personal items, clothing, coffees, lunches, we also use this money for dining out or movies on the weekends. littlek on "Do you have separate or joint checking?" https://boards.hellobee.com/topic/do-you-have-separate-or-joint-checking#post-591690 Mon, 25 Feb 2013 12:03:56 +0000 littlek 591690@https://boards.hellobee.com/ We each have our own separate account and we transfer into the joint account for things like mortgage and daycare. Besides that we split bills and DH pays some and I pay others. 2PeasinaPod on "Do you have separate or joint checking?" https://boards.hellobee.com/topic/do-you-have-separate-or-joint-checking#post-591683 Mon, 25 Feb 2013 12:01:17 +0000 2PeasinaPod 591683@https://boards.hellobee.com/ Our finances are all joint. We each have the passwords for all of our accounts, and everything is out in the open. The only things that aren't joint are our credit cards...only b/c we had them before we were married. We didn't want to hurt our credit by closing them down. It was important to both of us to have joint accounts b/c we're total partners. Though my DH makes more than me, it was important to both of us that neither felt inferior to the other. We'll always consult with each other on purchases that are more than $100. Lately on "Do you have separate or joint checking?" https://boards.hellobee.com/topic/do-you-have-separate-or-joint-checking#post-591668 Mon, 25 Feb 2013 11:56:35 +0000 Lately 591668@https://boards.hellobee.com/ Our finances are entirely separate, but we generally consider everything shared. This is in part because of laziness-- we've been talking about setting up a joint account or credit card for ages, but never got around to it. It's also because over the years we have never both had a stable income at the same time, so when there's an expense it's handled by whoever is in the better position at the time. It works for us overall, because we're pretty good at coordinating and neither of us has any really "out-there" spending habits. Oddly, though, we still thank each other when one of us pays for something (dinner, a movie, groceries, etc.) even though we both know it comes from a common fund. Mrs. Pickle on "Do you have separate or joint checking?" https://boards.hellobee.com/topic/do-you-have-separate-or-joint-checking#post-591649 Mon, 25 Feb 2013 11:46:49 +0000 Mrs. Pickle 591649@https://boards.hellobee.com/ All of our checking and savings accounts are combined. We have our own retirement accounts, but we consider them shared. mrskc on "Do you have separate or joint checking?" https://boards.hellobee.com/topic/do-you-have-separate-or-joint-checking#post-591639 Mon, 25 Feb 2013 11:43:39 +0000 mrskc 591639@https://boards.hellobee.com/ We have a joint checking and savings. We still have our separate checkings from before we were married but we don't use them anymore. Alivoo01 on "Do you have separate or joint checking?" https://boards.hellobee.com/topic/do-you-have-separate-or-joint-checking#post-591549 Mon, 25 Feb 2013 11:14:15 +0000 Alivoo01 591549@https://boards.hellobee.com/ We have joint savings and checking. We only have a couple credit cards that are joint post "us". We kept all individual cards, individual. We still have oversight on what each one spends once the bill comes and the money used to pay for the bill is out of our joint checking. This was just easier for us since I manage all the finances and we don't have a bunch of accounts to keep track of and balance. Adira on "Do you have separate or joint checking?" https://boards.hellobee.com/topic/do-you-have-separate-or-joint-checking#post-591548 Mon, 25 Feb 2013 11:14:11 +0000 Adira 591548@https://boards.hellobee.com/ We have joint checking (and investment) accounts and then we each have our own separate checking and savings accounts. We did it this way because Hubs is a saver and I'm a spender. I didn't want to have to run by him every time I felt like going on a shopping spree, so it's easier to just have separate money. We currently put 70% of our incomes into the joint account and then the other 30% is for ourselves. We use our separate accounts to pay for our own student loans, gas for our cars, and any personal shopping. We use the joint account to pay for all the house bills, groceries, things for the house, and any together-spending (like dinners, movies, etc). This really works for us because otherwise we'd fight about money. I hardly have anything saved because I like to shop, and Hubs has his own little pile of money because he likes to save. It just works for us!