~*~*~ QOTD 2/15/2012 ~*~*~

Good Morning Loves!

I hope everyone had a wonderful and special Valentine’s Day yesterday.

A few weeks ago, a friend confided in me that her husband didn’t know how much credit card debit she was in. She was scared to tell him, because he wanted to refinance their house. This conversation puzzled me. I always thought that once you got married, you combined everything and created a household budget. Maybe I'm wrong??

My question of the day:

1.) Will you and FH be combining your finances? Will you have a joint checking account?

Or if you don’t want to answer question #1. Here is #2:

2.) Are you a saver or a spender?

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1.) Currently, I handle our household budget. Due to my insane OCD, I keep a pretty intense excel spreadsheet of our household budget, savings, bills and spending. FH and I know about all of each other’s accounts and their balances. Once a week I balance our checkbooks and about once month, FH and I review our budget together. Once we get married, we are planning to have a joint checking account for all of our household bills. Right now our banks account are linked, but not joint.

2.) I used to be a spender…until we got engaged. I was such a shopper. I used to go shopping every paycheck – clothes, shoes, stuff for the house, etc. I didn’t care I just wanted to shop. Now, I am trying to save every penny we make. Once the wedding is over, I think I will be a better at saving. FH is a huge saver! He is also a bargain shopper. He always searches the deal websites and won’t pay for anything at retail price. This is always great around the holidays because he finds the best deals for us!!