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Married couple bill splitting. Hypothetically is this the best way?

107 replies

OverthinkingOlive · 05/01/2025 09:18

Bob and Mary are married. Bob earns £60,000 and Mary earns £30,000. They have two joint accounts. No children or intention of them.

The first is for the boring bits, so mortgage and bills, maintenance and insurance etc. They pay 50% each into this account.

The second is for holidays and more fun things like a new sofa, carpets etc. Just general luxuries. Bob pays 66% into this and Mary pays 33%

Any other money is their own so they pay for their own cars, phones, separate hobbies and expenses etc.

When it comes to nights and meals out etc nobody keeps score they just kind of go with the flow but Bob tends to treat a bit more as he's the higher earner.

Is this fair enough?

OP posts:
BusyPoster · 05/01/2025 17:52

Would Mary have a higher standard of living than she has now?

28Fluctuations · 05/01/2025 17:55

For us... if I earned 60k and he earned 30k...

We earn 90k.

I would not have married him if I was happy with him having less money than me. Or vice versa.

You do you, though.

Grumpyoldpersonwithcats · 05/01/2025 17:58

Despite (for almost all of my married life) being significantly the larger earner, I can't imagine ever thinking it would seem fair for me to take a larger 'cut' of our household income than my partner.
Which is why all money going into a joint account works for us

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Chillilounger · 05/01/2025 18:06

Surely 60:30 split for everything? If that's too complicated then all salaries into the one account and 60:30 split of what's left.

lassingd · 05/01/2025 18:09

technically it's a marital (joint) liability! So in the long term it likely doesn't matter

ByHardyAquaFox · 05/01/2025 18:09

I don't think the highest earner pays more into the account. That way the lowest earner could feel motivated to not to work as hard as the bulk of the financial burden relies on the other half shoulders.

Maxstress3 · 15/03/2025 20:44

And I will also get roasted for this comment but agree that Mary should not pay for anything. The man should provide for her. She can work and enjoy her money too.

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