To not let him back in the house!

[nomorequotes]

My husband has gone away for a week, he has taken his bank card and his tablet (our way of transferring money) and has left the kids and I with NOT A PENNY to buy food or nappies or anything.

Who does something like that?

The earliest I am going to be able to speak to him is at 7pm tonight and that is only if he answers his messages (which he conveniently hasn't all morning)

I am SO angry with him!

Also we can do automatic transfers between accounts - so you could do a regular one set up for tax credits, eg every Monday £100 from his account into your account or whatever

Can't say I've ever tried another bank so can't really compare but would recommend natwest online as it's very simple

Get the tax credits paid into the other bank account? The one you can access?

We did have a joint account BTW, we never bothered using it though so we closed it! I don't think it's really necessary if you both have online accounts with the same bank anyway :)

But then if the tax credits come in on a different day or their is an issue we are hit with a charge. Not sure I would be comfortable with that professor I think the long-term plan is to have more money and a joint bank account but its going to take a while until we can sort something like that out.

If the tax credits were paid into the other account he would have just taken that card instead.

You were inconvenienced for a couple of hours due to a simple oversight. And you behaved completely ott. Yabu.

Hmm yes good point if the TCs don't go in properly. Not had that issue myself touches wood but it does happen I guess.

I can see why you are pissed off. Sounds a right PITA.

However I would use the opportunity to have a bit of a think about how you could simplify your banking. Having to transfer readies every week sounds quite stressful.

I gey it quotes :)
I can log in on the laptop
to log in on any new device I need a little calculator thing

Unfortunately Doc I think until there is more money coming in, simplifying the banking just isn't possible. We just have to be more on the ball with it.

He has also taken 'the lighter' to make a fire so he can smoke fags. going to have to fashion something with the toaster.

Why does all of the money go into your husbands account? Surely you can get a basic bank account (everyone is supposed to be able to get a basic bank account) and get the tax credits or at least the child benefit paid Into there. Make sure that your husbands salary pays the bills from his account and then you have the tax credits / child benefit in your account for food, nappies etc.
it really isn't good practice to have all of the family income paid into one account that only one person can access properly.

all the bills aren't covered by his wage unfortunately, we have to use the tax credits to cover some of them.

Sometimes I have both the cards and he has no access to them, it is literally just because he has gone away.

Can't you have the child benefit paid into your ac account in your name? Surely your food and happy bill must be more than child benefit so at least having that amount towards the essentials will mean you always have so e money you can access. He can then top up the rest that you need from his account.

*nappy bill

I suppose I just wouldnt see the point of moving the CB over, if he didnt transfer the top up then we would have what £135 a month? Makes more sense to keep the money all together surely and transfer as and when needed, as I said I would usually have both the cards on a Monday and he would have taken a tenner out in the morning and use that for the week.

Both the boys are snotty today so our plans have been fairly scuppered anyway

But if you have money in both accounts then you could have a card each? Wouldn't that be easier? My H and I couldn't live with only one card between us, would drive us nuts.

Well yes, if we had enough money to split it. When I go shopping today I will spend about £70 on food and nappies for the week, that is basically all our disposable income gone.

If we were to split it we wouldn't be able to do a shop from either card, we would probably have to pay with both cards.

As an aside, I think you mentioned your h and you smoking, would you consider giving up? Would free up so much money if you are at the stage you are struggling.

I haven't smoked for years, have been trying to get DH to quit for years too but he is dragging his heels.

I stopped when my children were due and never took it back up. Was amazed how many people said things like 'when you have the baby you can have a fag' I couldn't think of anything I would rather do less!

Sorry it was your comment about your h taking the lighter and you having to use the toaster that made me think you also smoked.

nomore may not be able to open her own account. some banks don't let you if you have no income of your own. things have tightened up recently.

Like ProfessorBranestawm, I'm with Natwest and only need to use the card reader when transferring money to someone for the first time. After that I can just do it. DP is with Santander and it's the same for him.

We have the same sort of set-up as you, OP. DP transfers money to me because we don't have a joint account. Back when we got tax credits, they were always paid to me though. How come they're paid into your DP's account? So far DP has never forgotten to transfer the money and I've luckily never been in situation when I was £0 before he does. However, I know where DP has the log-in info if it ever came to it.

You need to speak to your bank and ask why the card reader is required each time.

I need the toaster (somehow) to light the fire, not smoke.

I have got my own bank account, we just can't open a joint one.

domestic that is just their set-up I suppose, they aren't going to change it for little old me.

The tax credits come to both of us but are paid into his bank. It wouldn't make any difference for them to be paid into my bank, he would just take the other card!

Well I suppose I could, but I really don't see the point.

Regardless of where the money lands, the majority of the time we have access to it when we need it and it all goes on bills anyway.