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Me! I take care of all things financial.
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@PurplePeony: We are the same way. He pays mortgage, insurance, cable and cars - - and I pay electric, daycare, water, trash, phone.
We buy things w/o consulting each other unless it for the house.
We have our own accounts and CC.
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@Rainbow Sprinkles: I absolutely agree with @mamamoose:! Think of it as protecting your babies. You'd take a CPR class in case of emergency right? I think financial literacy is the same thing. Ask your husband to show you how he tracks things and be involved in the process. Know where your money is and where it is going.
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Definitely me. My husband has zero interest in financial stuff and believes he has “no head” for money. It works out well for us because I like knowing exactly what our money is up to all the time, so it’s not a burden at all for me. We each have our strengths and his isn’t paying attention to the numbers. He is much happier if I research things and just tell him what we should do; so honestly, I can’t really even say that “we” make big financial decisions together, because it’s really me telling him what I think is best and why, and him agreeing. haha
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I do the "management" of the day to day stuff. My DH does the long term thinking -- where to invest, how to invest it. He doesn't have time to make sure the cable bill is scheduled or that the CC was accurate because of work but he has the long term planning done in his head... so... I didn't vote. We certainly consult about purchases, the monthly bills, etc.
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He manages our money from an investment standpoint and watches our accounts but I do most of the household spending and saving (I SAH 3 days / week) so I feel like I manage our money on a day-to-day basis.
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We make all financial decisions together. I do more of the actual buying, but that is only after we have decided our budget together. I think it is dangerous to have one person making most of the decisions....
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my husband takes the lead on this...I forget to pay bills, don't regularly check the account, like to shop....lol
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i do. i try to involve DH, but i am the sole breadwinner right now (well, for the last 1.5 years while he's been in school) and i have a degree in economics. i keep track and make sure we know we're on track!
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I really think it's both in our case! I'm better at coming up with a budget, being frugal, finding deals, setting money aside for non-monthly expenses, etc. He's better at negotiating deals/policies, financing travel, etc. We both are responsible for different bills - for example he handles the cell phone bill, both car and renter's insurance, while I do student loans, utility bills, etc. We make all spending decisions together, sometimes one of us compromises more than the other, but it's pretty even overall.
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@heartonastring: but someone is physically paying the bills, putting things on autopay etc even if decisions are made jointly.
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Once we combined accounts, I took the lead on handling our finances. He just doesn't have time to focus on it right now, since he's in school + working part-time. I set up our formal budget, keep track of it, watch our accounts online, make the purchases, pay the bills, etc. We decide on "big" expenditures together, although for the most part when we're discussing things, he tells me to do whatever I think is best.
I have a feeling once he's out of school and is the bigger earner again, the balance might shift a bit. We'll see. I feel more secure being the one that handles it, though.
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Me, for sure! DH really has no interest.
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@sarbear: ditto! I shop without checking my account and hubs says oh I put money into your account because u went below x amount.
He handles all things and in the end I give him final say on all big things because he is the reason we are debt free. I have a problem if it's there why not spend it? I'm working on it though
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I'm an accountant, so I figure out our budget ad pay the bills and whatnot. But DH definitely makes the final financial decisions when they are needed to be made. DH make all of our final decisions.
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I'm giving the edge to Mr. Lime. Just today he gave me an update on our retirement. He secured our mortgage, does our taxes, and manages our investments.
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Hubs manages the money (investments, savings and so-forth). I'm just not interested enough. Although, I'm probably the primary decision maker on spending.
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My husband. I hate dealing with money.
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I voted him because although I manage our budget more and am obsessed with YNAB, he is soo much better and more knowledgeable about the big stuff, like which health insurance we should go with during open enrollment (he created this fancy spreadsheet to do a compare), when to refinance, interest rates, investments, and all those other things that give me a major headache. He's a financial consultant so numbers are his thing!
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My DH. He makes all the money and is way better at planning and saving. He's not a tyrant about it, though. I can spend money on small things without having to run it by him, but I do check with him before buying anything major.
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Hubs, because I'm the WORST with money.
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I was 100% in charge of everything until about two months ago. I can't handle the obligations of school, motherhood, working, cooking/meal planning etc on top of finances so DH has slowly been working toward taking it over. I'm still pretty involved though.
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I manage the money - pay bills, write checks, watch our spending, do the shopping, etc. We make all of our financial decisions (outside of basic spending) together, and he has the final say on big purchases (though we seldom disagree).
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I think it's probably me. We discuss money a lot (especially with dropping to one income next year) and the utilities are in his name from when we first moved in together, but I'm the one with the better general overview and who comes up with our strategic direction.
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I think it really is equal. We both agree to max out our retirement funds and set aside certain amount of savings. We both spend freely as we like (to a degree), but we never really say no to each other for big ticket items if we truly want it. But I voted me, only because I crunch numbers more just out of curiosity and I was the only that convinced him to up our house budget when we were looking after we had try to keep to a certain budget and just wasn't finding anything we liked.
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@sunny: I do know about our budget since we started using the mint app and have a great idea of where our money is going. I actually set our grocery budget since I'm the one who does that. But in terms of paying bills (I don't even know when stuff is due :() and making big decisions, I need to step up my game. I should ask him to make a calendar of when everything is due so I know, too.
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@plantains: yeah, we each pay different bills. He pays gas, electric, mortgage. I pay cable, phone, internet. So we both pay bills....
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Me!! I'm the accountant in our relationship. I pay every single bill, budget and manage the money. He usually asks to buy something, which I feel bad about.
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We typically talk about everything and make decisions together but in the end my husband makes the desicisions.
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We're equal for large purchases, but he is the one who deals with stocks, retirement, etc. They all stem from his job and he is the one who has the patience to understand it all.
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We make decisions together but DH is the one with the numbers smarts and enjoys the research & financial plans etc.
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Really is both of us. When it comes to big purchases or things we don't really need, we usually consult eachother to decide if it's worth it or if we can afford it right now. I honestly can't pinpoint asingle time when one of us has taken the lead. I tell him no when i have to and he does the same. He physically pays the bills though. I suck at remembering to do that. But it's bills we jointly researched and agreed on.
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We're split pretty evenly, and have both taken over the bills at times, just depending on our workloads/ parental responsibilities, etc. We have joint accounts and credit cards, make all large purchase decisions together, and don't worry about small ones made by either of us.
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Me, just because I manage the bills and such. We have an equal voice, but I'm the one who takes the lead on decision making, especially when we're already in agreement.
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@MamaMoose: In Korea, it's actually the woman who controls all the finances, at least for my mom's generation!
I am in charge of budgeting, but DH is better at checking our accounts. We both make investment decisions together.
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DH manages our finances, but all purchases run past me. He just doesn't buy anything on his own. I chose me.
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@MamaMoose: I wish there was a "both of us" button. I saw why you didn't include it ... But in our house, we are equally involved in all financial decisions. We both make about the same amount of money, we both have the same financial goals, and we'd never make a decision without talking to each other. We share bank accounts, and have our bills set up for auto pay (which means one of us doesn't really have more responsibility in that arena).
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@Mamaof2: I'm glad to hear someone else has a similar setup to ours -- it seems pretty unusual. But it pretty much ensures that my hubby and I never fight about money, which is great! Also, it's nice to hear that you have kids and have still managed to keep it up, gives me hope
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@PurplePeony: We still keep separate accounts and credit cards, too. I pay them all but we never merged our finances and we don't consult each other about purchases at all. My money, my choice how to spend it. Same for him. (After the bills get paid and the savings get bumped, of course!).
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DH, for sure. I have made some pretty poor financial decisions in the past (when we were still dating/not yet married) and we decided it would be best if he be in charge of the money. I have no issues with it since whatever I need or want I get and DH figures it out! lol. But, we live really frugally in general and I am cheap so it's not like I am ever out spending hundreds of dollars at a time.
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