Do you girls think that a married couple should only have joint bank account or both joint & separate?? I think one joint account as well as individual accounts I want to be able to have something on the side for my girlie needs
kimvin714
Posted:
Member since
Re: Joint or separate bank accounts??
that is exactly what i did yesterday, set up a joint account but kept my old one i think it will come in handy for his christamas/birthday presents and such
DNicholes
Posted:
Member since
Re: Joint or separate bank accounts??
We just have a joint account......it's easier for mortgage/bills/groceries etc.....plus I don't care if he sees if I went shopping...I tell him all the time that I just NEEDED a new bag...or I needed a new shirt...lol although lately it's been.....'we have a whole house to decorate.....'
EverlovingEv
Posted:
Member since
Re: Joint or separate bank accounts??
Definitely Joint.
MJDoc12
Posted:
Member since
Re: Joint or separate bank accounts??
we have a joint account...BUT i also have a separate ING savings account and DH has an MCU savings account.
maybe my mom is old school---but she always taught me to have a 'little bit of money on the side', just in case.
Future Mrs.
Posted:
Member since
Re: Joint or separate bank accounts??
OMG! I was just going to start a thread about this!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!
We have a joint checking account for all of our bills, mortgage, etc. We also have a joint savings account, where we save. And, we each have our own separate checking accounts. After 30 some odd years of having my own money, I need to have my own independent checking account.
Future Mrs.
Posted:
Member since
Re: Joint or separate bank accounts??
Posted by DNicholes
We just have a joint account......it's easier for mortgage/bills/groceries etc.....plus I don't care if he sees if I went shopping...I tell him all the time that I just NEEDED a new bag...or I needed a new shirt...lol although lately it's been.....'we have a whole house to decorate.....'
Just curious....with 2 people using it at the same time, how do you keep track of how much is in there.....what if you bounce something? Or, do you just keep enough in there at all times so that there is a very large cushion?
Summer842
Posted:
Member since
Re: Joint or separate bank accounts??
Posted by MJDoc12
we have a joint account...BUT i also have a separate ING savings account and DH has an MCU savings account.
maybe my mom is old school---but she always taught me to have a 'little bit of money on the side', just in case.
Thats funny, my mom says the same thing. I am going to have a joint account, but ill need to start doing some sort of budget so we can save for a house
imas98
Posted:
Member since
Re: Joint or separate bank accounts??
We have a joint checking for bills and a joint savings.....but we each have our own accounts too. I actually have a savings account from when i was young that i never touch unless we need it and i have a checking/savings account on my own. DH is the only one that withdraws, pays bills with the joint. I have access just choose not to use it cause i don't want to bounce anything. I get my paycheck every month and transfer funds to OUR account and the rest of the money stays in my account for my bills and spending.
iBCraZ131
Posted:
Member since
Re: Joint or separate bank accounts??
We have joint accounts on pretty much all our accounts. However, we each have our own checking accounts with extra money for ourselves and presents and whatnot, then we have the main account which is where both of our paychecks get depositied and we also use it to pay all our bills.
ntunison
Posted:
Member since
Re: Joint or separate bank accounts??
we kept our separate accounts and just added eachother... so we have 2 joint accounts.
Love4Eva
Posted:
Member since
Re: Joint or separate bank accounts??
we have our own checking acct that our direct deposit goes into, and then individual and joint savings. I like to have some joint and some individual lol
MeNBobs
Posted:
Member since
Re: Joint or separate bank accounts??
Posted by DNicholes
We just have a joint account......it's easier for mortgage/bills/groceries etc.....plus I don't care if he sees if I went shopping...I tell him all the time that I just NEEDED a new bag...or I needed a new shirt...lol although lately it's been.....'we have a whole house to decorate.....'
We have our accounts it the same way. Our house has to be decorated too I'm not allowed to decorate with posters anymore.
Snickers76
Posted:
Member since
Re: Joint or separate bank accounts??
We have a joint account that we opened with the wedding money and we both kept our individual accounts.
Ericab1980
Posted:
Member since
Re: Joint or separate bank accounts??
we have individual checking and a joint savings (in the same bank) so we just transfer the money into savings for bills etc etc
MJDoc12
Posted:
Member since
Re: Joint or separate bank accounts??
Posted by Future Mrs.
Posted by DNicholes
We just have a joint account......it's easier for mortgage/bills/groceries etc.....plus I don't care if he sees if I went shopping...I tell him all the time that I just NEEDED a new bag...or I needed a new shirt...lol although lately it's been.....'we have a whole house to decorate.....'
Just curious....with 2 people using it at the same time, how do you keep track of how much is in there.....what if you bounce something? Or, do you just keep enough in there at all times so that there is a very large cushion?
since both DH and i put our paychecks in our joint account--there's usually a decent cushion. but if one of us spends money, we tell the other--and we keep track of alllllll fiannces in our Quicken program. (well i should say that I keep track of it)
DH will call and say 'babe i'm gonna put gas in the car, there's enough in the bank for that and me to take out money without going too low, right?' it works out this way best for us.
DNicholes
Posted:
Member since
Re: Joint or separate bank accounts??
Posted by Future Mrs.
Posted by DNicholes
We just have a joint account......it's easier for mortgage/bills/groceries etc.....plus I don't care if he sees if I went shopping...I tell him all the time that I just NEEDED a new bag...or I needed a new shirt...lol although lately it's been.....'we have a whole house to decorate.....'
Just curious....with 2 people using it at the same time, how do you keep track of how much is in there.....what if you bounce something? Or, do you just keep enough in there at all times so that there is a very large cushion?
We balance it....it's easier with on-line banking. & there's always 'enough' (haha) in there, I would never bounce anything, I check it everyday. I keep track of my bills & spending.
hunnybunnyxoxo
Posted:
Member since
Re: Joint or separate bank accounts??
we have joint savings, joint checking, and each have separate savings all the accounts are linked to eachother as well as set up for online banking. we can easily move money around to each account so we should hopefully not have a problem overdrawing. We just set it up recently and we hope to give ourselves an allowance as well as save money and pay bills.
that's the plan.. hope it works!
kissy27
Posted:
Member since
Re: Joint or separate bank accounts??
We have both. I think it basically depends on the couple. For us, the separate & the joint works out. We opened the joint when we were saving for the wedding. Now we each of our own money that we spend & then our savings together which consists of paying the house bills.
cindyandkevin
Posted:
Member since
Re: Joint or separate bank accounts??
We have 2 joint accounts, savings and checking. Our money is all the same so it just goes together!! I keep the checkbook and take care of balancing it, DH just lets me know when he takes $$ out of the ATM or pays bills. And we both check the accounts online so we know how much we have.
