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Who deals with the finances in your household ?

102 replies

Coronacoronaprobs · 02/06/2020 20:00

I’m wondering if our set up is normal? I do all of it bills, direct debits, applying for anything etc etc etc - it’s a lot.
Is this the same for everyone if their partner works? Does it fall to the person who doesn’t work to do all this kind of ‘admin’?
Feel a bit under pressure

OP posts:
middleager · 02/06/2020 20:01

Me (female). I also work and my husband works.

skylarkdescending · 02/06/2020 20:03

Both of us.
DH tends to check the joint account for mortgage payment, bills etc and switches providers for utilities etc I tend to check savings and general outgoings. Whoever gets to it first sorts our childcare payments, vouchers etc.

How much time do you spend sorting it each month? Can you automate any of it? Does your partner have responsibility over another part of household admin?

skylarkdescending · 02/06/2020 20:03

Oh and we both work full time.

MrsArchchancellorRidcully · 02/06/2020 20:04

I'm an accountant. He's in sales. I do 100% financial. DH asked me to. But he deals with stuff he's good at.

DramaAlpaca · 02/06/2020 20:05

We share the responsibility, and we both work full time.

yikesanotherbooboo · 02/06/2020 20:06

My DH does big picture stuff such as ISAs but I do all the everyday stuff eg utility bills , insurances , gathering receipts etc. I work less hours and am better organised .DH likes to retain some control over big financial decisions so tends to do big ticket spending eg cars, holidays .

Dazedandconfused10 · 02/06/2020 20:07

I live alone now but it's always been me in any relationship I have been in.

LovingLola · 02/06/2020 20:08

I do it. I’ve more time. I don’t mind doing it.

GrouchyKiwi · 02/06/2020 20:08

We both do. I keep track of the budget, DH deals with paying the bills. We started doing it this way when I had PND and couldn't cope with the stress of dealing with bills. Before that I probably did the majority of it.

Sewingbea · 02/06/2020 20:09

We both work, though I do more hours. I do almost all of the finances because, bluntly, I am more organized and am happy to do it. However DH does much more day to day cooking than I do and does the weekly supermarket shop, which I loath so I think it balances out. I look at his carrier bag stuffed with bank statements etc and twitch! However he always knows his balance and is careful how he spends so if it works for him... But the point is it works for us, if you feel under pressure then your system isn't fully working for you and might benefit from a review.

blackcat86 · 02/06/2020 20:09

I do everything apart from phones and internet. DH is crap with money so for peace of mind he transfers me 'keep' every month and then I know the core bills are always paid. He works in IT so it makes sense for him to do internet and phones.

1990shopefulftm · 02/06/2020 20:10

I do it all, I have a spreadsheet so it's easy to keep track of where everything goes and almost everything is on direct debits so it's not too time consuming.

RandomMess · 02/06/2020 20:10

Me (female) regardless is whether I was working or not. I like numbers 🤷🏽‍♀️

Chillipeanuts · 02/06/2020 20:10

My husband. He’s worked in finance for 40 years and I can barely add up (seriously, not being facetious) so it makes sense.
Works well for us.

sleepyhead · 02/06/2020 20:12

Me. I do finance & general life admin, car.

Dh does bulk of cooking & childcare.

Everything else more or less shared.

lifestooshort123 · 02/06/2020 20:15

I do all the financial stuff and use a spreadsheet. He's always been hopeless with money and bills and we'd be homeless by now if I didn't. Oh, he does his own phone and has defaulted twice over the years.

quietheart · 02/06/2020 20:15

I do most of it, I’m more organised, usually better at finding deals. He does his own insurance, phone etc but he’s crap at budgeting. Much of it is automated so doesn’t take too long. Generally though I take responsibility, he rarely checks the bank accounts.

mrsjg · 02/06/2020 20:17

We both do it. DH works full time and I'm part time. DH tends to sort out utilities and sky/internet but only cause they are in his name but we discuss things prior to him making the phone calls.

Ffsnosexallowed · 02/06/2020 20:17

I do it all. We both work full time. I don't think dp has a clue how much we have in the bank, or how much we owe, or when dds come out.

Aquamarine1029 · 02/06/2020 20:18

We do it together. We sit down once a month at the table and get everything paid.

happytoday73 · 02/06/2020 20:19

Me (female) does it all.
I'm better at it. We both work full time..
I do more hours
It gets complicated if split...

But is a good idea to have at least one utility bill in other name... For Tip runs/hiring things.

Just set up direct debits for all bills, and automatic transfers for things you need to save for.. Holidays, slush fund, birthdays and Christmas, mot/service and tyres.
It then needs little to no work.

I find kids admin takes longer...childminder, school meals, school trips, cash for class fund, milk...

fallfallfall · 02/06/2020 20:20

99% of the bills are automated, all banking online. so nothing really needs doing.
although i let dh organize and file taxes which is job i wouldn't want to do. but then i take care of dealing with insurance company claims and unusual type bills.
so i say it's pretty even.

lachy · 02/06/2020 20:20

It's a 50/50 split, depending on who has the free time, although I tend to book the holidays and decide on the cars, while DH sorts our mortgage deals and insurance.

Musicaltheatremum · 02/06/2020 20:20

We used to do it together then husband took unwell so I did it all. I also run all the finances for my GP practice as senior partner but did it even before then as my older partners didn't enjoy it. I love it. My dad instilled the importance of looking after the finances at an early age

popcorndiva · 02/06/2020 20:21

I do everything. I don't think DH has ever used his login for the joint account.

So looking after the finances for our two rentals
Paying into the tax free childcare/ renewing it as well
Moving DS's money about each month to maximise interest
Paying all our direct debits. Utilities and sorting insurances.

I have always done it and would probably nag too much if I delegated