do you keep desperate savings or should everything be joint?

[NemophilistRebel]

I have savings that grows if I ever get a bonus or if I sell something.

We also have joint savings which we transfer money to each month and goes on spending for the house, or holidays or outings

Is this ok or seeing as we are married should all savings be joint?

It’s up to you and your partner and no one else. My personal preference is to have separate savings as well as joint and also have separate bank accounts for every day stuff as well as joint stuff. I like my independence and from past experience I like to know that if I wanted to leave then I could without all our money being joint

We have always believed that marriage means everything belongs to each us equally. We keep a petty cash type personal account each but only for presents for each other really.
We knew we were committing for life so never felt the need for an escape fund. It’s never limited our independence but means we don’t argue about finances.

Our (mutual) savings account is looking pretty desperate at the moment

I'll get my coat....

In more serious tones, there's not really any 'should'. As long as you both have access to roughly equivalent sums of money (and don't unreasonably withhold it from use for general family purchases) then it's all fair enough imo.

I like the idea of desperate savings in case everything goes really pear shaped!

We have some separate ISAs but everything else is joint.

Up to you as a couple.

We have joint everything including savings. Didn’t make much sense to us to have a rich half/poor half to the couple. Because of this we don’t struggle, I have watched friends struggle especially through maternity leave when their husbands are able to live well but they are scraping by and spending their savings to afford their half living costs.

It's honestly personal preference but I think it's important to have your own savings in case anything goes wrong but you can also save up for a holiday together with a joint account.

We don't have desperate savings, as per your title no
Everything here goes into the husband's bank account, which I have the card for.
If he needs anything he tells the bank of wife. If he spends anything online, he always let's me know.
It's nothing to do with control before anyone beats me up, but because he wasn't at home very often and didn't want me to be without, especially when the kids came along.

We have both.
Joint savings accumulate quicker, used for house purchases.

We also each have our own savings account, at the moment we only pay a small amount each in (we take the same personal spends money out our joint account), I like knowing I have a little stash if I want to go on a girly weekend, buy a few unnecessary things in the shops because I fancy it.
DH spends his own savings on equally frivolous things he fancies.

A new sofa, stereo, car, boiler etc comes out joint savings.

Its the only way which makes sense IMO, but I accept it might not work for everyone can anyone explain why?

Both. We have separate savings accounts and a joint one.

Both. Been happily married 35 years, with no reasons to ever worry however, to put absolutely everything into joint savings would be crackers.