Just wondering how people manage their finances with their partner/ husband? Do you keep your own bank accounts or does it all go in a joint account? Me and DH have always kept seperate bank accounts but it gets messy it terms of who pays for stuff for the kids.
Both of us work. Separate and joint. Our salary goes into our sole accounts. All household expense come out of the joint account. We each contribute an amount from our sole accounts into the joint account which is proportionate to our salaries that leaves us the exact same personal spending/saving amount per month in the sole account.
DH and I have separate accounts as I'm happier with things that way. But I'm not earning so almost all the money in my account is just from DH transferring it over anyway. We don't keep tabs on who pays for what, it's just whatever is convenient at the time. Direct debits come out of DH's account, I often put online payments on his card, and if I run low in my account then DH just transfers more over.
All in one for us. Started when I earnt a lot more than dh, now he earns a lot more than me and will soon be the sole earned when my mat leave ends. Only problem is you can't really treat each other as its all shared money anyway but it's lots easier for us.
Salaries go into own accounts and then both put an equal amount into joint account to cover mortgage, food, bills, childcare etc. What's left in our own accounts is up to us - we're both savers by nature but also have things that we like that the other would consider a frivolous waste and it avoids grumbling
We have about 9 accounts and a very complex spreadsheet :D
Ultimately, it works out that we pay all of our commitments jointly and then have the same amount of 'free' spends each month, which go into our individual spending accounts and we can fritter on what we like
One joint account for me to use for groceries, petrol, every day stuff, then dh has another one where utilities/holidays come out of, I also have a small one which my ex pays maintainance for my kids into.
With my wife, our main jobs go into one account, which all of our mutual expenses comes out of. If one or the other of us has some sort of special project or need that we're working towards, we'll save it on the side. Sometimes we collaborate on side projects. I'll save my money in my PayPal Account usually. This helps save a lot of the stress and grief that can come from sharing money, while still being able to work towards personal goals. It's a pretty good system!