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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:
popcorndiva · 02/06/2020 20:22

And yes we both work but he is just not finance minded.

Oliversmumsarmy · 02/06/2020 20:36

Me.
Dp is hopeless with money.

He takes what he needs and the rest goes to me to pay everyone, make sure we are getting a good deal and save.

I sit down for between 15 minutes and a few hours on 1 day each month and pay everyone and do any research about getting a good deal on insurance (house and 3 cars), power supply and phones and internet etc

Cheeseycheeseycheesecheese · 02/06/2020 20:37

Me. Female, I work part time.
All finances and household admin are my responsibility.
DH is good with money, but he's good in the sense that "outgoings are x, so that much needs to be in the joint account" whereas I do the breakdown.

We're remortgaging in August, I've done everything for that, paperwork, meetings etc, all he's done is give permission to our advisor for me to handle it. Basically I organise and he signs where I tell him to 🙈

foxyknoxy30 · 02/06/2020 20:41

Me (female) and both me and DH work full time. I worked in a bank so it made more sense .I often say if anything happens to me he really is up shit creek, doesn't have a clue and is not interested in knowing

mizu · 02/06/2020 20:42

Me. Both work full time.

Moreisnnogedag · 02/06/2020 20:44

I do all finances but DH does all the household work (he’s sahp). I’m much better with finances (and adore spreadsheets) so we each play to our strengths.

BarbaraofSeville · 02/06/2020 21:16

I do, DP isn't interested but he does sort his own car tax, insurance and maintenance out. He's not really interested and I am and like to get the best deals to make the most of our money.

But despite me complicating the matter far more than is necessary (multiple current accounts and credit cards to exploit interest deals, although I'm currently scaling this back as it's barely worth it anymore) it takes maybe an hour a month, tops.

What is it that you're struggling with?

catwithflowers · 02/06/2020 21:22

My husband does everything financial apart from my car tax and insurance. He is very savvy and organised. I am a housewife and do all the cooking, cleaning, housework etc. Not everyone's bag but works for us. 🙂

BeBraveAndBeKind · 02/06/2020 21:25

Me. I work full time in Finance and am organised. DH is dyslexic and just hates dealing with it. He does all the shopping, nearly all the laundry, most of the housework and over half of the cooking though so it's a good exchange. Smile

Jenjenn · 02/06/2020 21:36

Me. Female. Dh would be fine doing it but I worry about finances a lot more and I love numbers and spreadsheets. He keeps his fun money (we both have same amount of fun money) and hands over everything else for me to pay our bills, save and invest. I talk him through our budget every few months but he really has little interest as he knows that I have a very firm handle on our finances. Big decisions we discuss and agree together. However, if there is a dispute with the bank or a service provider he handles it as he seems to get better results out of them with less stress.

DelurkingAJ · 02/06/2020 21:44

I do the joint stuff. DH is capable but in term time (teacher) I am less busy in the evenings. He does do all gardening and DIY though...we play to our strengths.

emotionalrangeofateaspoon · 02/06/2020 21:44

I do everything (female). DH doesn't have access to online bank. We have a joint account and both have a card and he just buys what he needs/wants and I do everything. Everything is in my name, he doesn't have a clue how much we pay for anything or how often he just lets me deal with it which is fine because he is terrible with money. I tell if for whatever reason we are short of money that month to kerb his spending to just what he needs but that's rare and only in the 3/4 days before payday. We both work full time and have DS who is almost 2.

underneaththeash · 02/06/2020 21:45

DH does (works in finance).
I do everything else.

LongPauseNoReply · 02/06/2020 21:50

I do (female). I have my own business so do the financials (high level, I have an accountant Grin) for that each week so do the household as well.

DH does the cooking and laundry so I think I got a good deal!

BeingKindIsFree · 02/06/2020 21:57

I do it. I like it and I shop around for deals. DP does stuff that I don't like. It balances out.

OhTheRoses · 02/06/2020 21:57

DH pays the bills and always has.
I buy stuff mainly because I'm the better wheeler dealer - houses, builders, etc.
We have separate bank accounts. We both work but for much of pur marriage dh earnt more than ten times my salary.

Inthebelljar · 02/06/2020 22:00

Dp. I’m a student at the minute so not really contributing much except my loan. I think he will always do it though - I have anxiety and it just sets me off.

dicksplash · 02/06/2020 22:01

Both of us. DH keeps an eye on bank account and looks after utilities. I look after insurances and other house things ie book boiler service etc.

AMomHasNoName · 02/06/2020 22:02

Me. I'm a SAHP and my partner works. He has no clue how much the bills are and what day they come out. He doesnt even have a bank account. His wage goes into mine. He needs to add his name but still hasn't. Hmm

Keepyourginup · 02/06/2020 22:03

Me...even things like his bloody car insurance. If I don't, he leaves it to the last minute and pays over the odds. Very annoying.

Ohdeariedear · 02/06/2020 22:04

I do all the day to day family/household management stuff. I also did the mortgage/bank accounts/life insurance mainly because I worked in financial services so could do it all through work (staff discount!) DH does his pension and investments but talks it through with me before does anything.

I’m a bit of a control freak so I like doing it.🤣

Megan2018 · 02/06/2020 22:04

I do. DH has been bankrupt, I prefer to have control. But we discuss all decisions and he is very good at swapping electricity suppliers (we are high users as drive EVs) and he meticulously looks at how to get value.

But I make sure everything is paid and on time.

Bluntness100 · 02/06/2020 22:06

Both of us, we both work.

Bulletwithwings · 02/06/2020 22:07

Nobody. We both work full time and everything is direct debit so automatic. He keeps a spreadsheet, I don't. I spend more than him and DH goes a bit bonkers sometimes when he finds my online shopping stash but i basically act like a teenage girl. Luckily we have no joint account, never have in 15 years of marriage.
We pay for different things though now and then if someone is paying a lot more (e.g. a holiday) one party will complain and other would do a transfer to square it up.
If theres something to sort or renew e.g. insurance, whoever's the account holder does it.

Savings are separate.

daisydukes7576 · 02/06/2020 22:09

No we both work but I control the finances. I'm a financial adviser though so perhaps why I quite like it lol I don't see it as a burden at all really and wouldn't have it any other way.

My husband doesn't even know the banking passwords!