To ask how you split your bills.

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Ie if you have a family and both work full time but have different earnings.

Do you both pay the same or do you go on a percentage of take home pay?

I've been married 20 years, have 3 children and we have a joint account. Doesn't matter who earns the most as this has varied over the years. Both our wages go in it, all the bills come off it. Nothing is split.

All monies belong equally to us both regardless of who has earned it. We pay bills from our money. We spend what we want from our money on ourselves, with due consideration of the needs of each other. We save from our income. We’ve never considered it his income and my income. He could not have reached his salary if I hadn’t supported him to do so. We give equally to our shared life, but in different ways.

We keep our money seperate,and pay an amount into joint account for bills. It was 50/50 but now i earn more so i pay a bit extra each month.

We have 1 child and own our home

We live together, aren’t married and have one DC. He works full time and I work part time currently as DC is only a toddler. Currently he earns more but when I worked full time I earned more.

We have one account only. All money goes in and out of there. We have a family together so as far as I’m concerned we share everying- it’s a joint pot. All savings are joint aswell. Any other way of doing things just doesn’t make sense to me quite frankly 😂 but each to their own

Dh pays all bills as high earner, I work pt so use my salary for kids / holidays and me

I earn about 15k more than DH... all our money goes into one pot... everything comes out of that... we’ve got our own credit cards which we use for stuff for ourselves, we then pay them off with the “pot”. 2DC and one on the way...

How about spendings ie if one would like to visot friends more for dinner etc and the other prefers to stay home? Does the other not begrudge spending the family money or is a budget allocated to each person?

Pur aalaries are paid into our individual accounts. We pay the necessary amount to cover bills and mortgage into a joint account. Wenpay an ewual amount into joint savingd. Anything leftover goes into individual savings or spent on individual purchases.

I earn more than my partner, and save alot more. Ultimately though I expect some of those savings to go on something 'joint' down the line whether that is an extension, deposit on our next house, wedding etc.

We have our own accts and salaries go in there. We then both transfer money into our joint acct and all bills and shared costs ( meals out, kids stuff, hols etc) come out of there. I work PT and earn about a quarter of DW does. We both keep the same amount of ‘personal’ money each month, rest goes in the shared acct. so she’s paying waaayy more than me but I do more kids stuff, and had the little angels in the first place...

We have our own pensions and savings but it’s all shared family money when it comes down to it.

We pool out money minus a certain figure which is out individual spending money for clothes, phone bills etc. Whatever we need. We choose to save this up individually currently so we don't argue over spending e.g. I go on £80 training courses with my dog, so that comes out of my money.

That being said, I am currently 4 months pregnant, and once baby arrives both our spending monies will go out the window.

They aren’t split, whoever earns more or less it doesn’t matter, it’s our money, it all goes into the same pot. Maybe we are lucky we are sensible and are on the same page when it comes to money.

I can’t understand how people can still think in terms of yours and mine once you are married with kids? Do you work out whose turn it is to buy the ice cream? Do you still split the bill in the restaurant, who pays for the toddler??

We have one pot, all our money goes into and we budget for everything fixed out of - and I mean everything, phone bills, Netflix, car running costs (including petrol), childcare, household shopping, magazine subscriptions, maintenance for DSS, etc. Then we put some away. The remainder is split equally between the two of us for 'frivolous spends'. Mine mostly goes on my kindle, he buys band T-shirts. Pay rises go into the pot, bonuses are for each of us to spend individually (but usually ends up being spent on family things like holidays). When I was on maternity leave, our spending and saving money went down accordingly - but we still had the same amount even though I wasn't contributing financially.

We have a joint bills acc for mortgage, bills, food shopping etc. I pay just over half my salary into it (lower salary than DH), DH pays about a third of his, but he also pays the au pair and for lots of stuff like most restaurant visits and big family expenses, so it comes out in the wash. I've gotta admit we've never really talked about it, things have evolved that way, but it seems fair in the end.

I get why some people are puzzled about 'yours and mine', but it's just a foible of mine in our case. DH would happily pool our money totally, but I think I'd feel uncomfortable not knowing the limits because I don't know, and wouldn't want to know, all his spending plans. I'd end up never spending on myself because I'd be worried I was spending money he wanted to spend on himself and wouldn't want to limit him. Again, totally self-imposed limit, but I know that's how I would feel if we pooled everything.

As it’s joint money no budget is allocated to each person... we just spend what we want. We know how much is spare... he plays golf... I’ll go for lunch... we don’t ask permission just tell the other the plans!

I can’t understand how people can still think in terms of yours and mine once you are married with kids? Do you work out whose turn it is to buy the ice cream? Do you still split the bill in the restaurant, who pays for the toddler??*

We budget for some meals out in our joint account, but extras yes we split the bill and split kid's meal in half and each pay half.
We both work hard for our money and we want to spend it on different things sometimes. I don't want to have to 'ask' if i can spend x amount on some trainers or whatever and same for him. Weboth treat eachother every so often which we couldn't do if money was all joint

How about spendings ie if one would like to visot friends more for dinner etc and the other prefers to stay home? Does the other not begrudge spending the family money or is a budget allocated to each person?

We live in a different country to my DW's family so she spends more money travelling to visit them, and everything still comes out of a shared pot.

I think it helps us that we both have the same relatively cautious approach to money. If we were different then it would be harder.

Mostly we end up encouraging each other to spend money on ourselves rather than begrudging it.

We are a family so all money is family money, neither takes the piss and big spends are agreed.

We have 2 joint accounts. One is the sensible one which is for bills, food, petrol, tax, insurance etc.
Also a treats account for holidays, meals out, birthdays, Christmas etc. If the sensible account is too low then the treats account will be used, but never vice versa
Both of us have cards and online access and never ask each other about who spends what, when it's gone it's gone so we cut back
Been married 37 years and never had an argument about money, we pledged before we married that we never would and kept to it!

DH pays the mortgage, bills are paid from joint account and cost us split 50/50, nursery is paid out of my salary using salary sacrifice.

We balanced it so that we each have equal amounts left over to use as we please.

Both salaries into the joint account and then equal amount transferred into our own accounts for personal spending regardless of salary level. I will never understand couples who have different amounts of personal money - why should one half of a couple have more money to spend on whatever they want.

Parker231
i will never understand couples who have different amounts of personal money - why should one half of a couple have more money to spend on whatever they want.

I get that if 1 person is pt cause of childcare etc, but we both wotk ft and i earn more at the moment, why should i have less? My partner can go out and earn more if he wants to.

Both my OH and I have our own bank account that our wages are paid into.

We’ve estimated our outgoings (mortgage, bills, monthly food shop etc). We pay a % of our net earnings into cover. I earn more than my OH so pay 15% more in. This covers ‘joint’ spending only.

We have a joint account, DH’s salary goes in there and that’s our food/petrol/meals out etc..
I earn significantly more but pay for the house and bills and put the rest in savings.
All the money belongs to both of us, I may earn more, but we work equally as hard.

Most months DH spends a lot more than me, but that’s because I spend next to nothing due to working away, so it’s not really an issue. We always make a point of discussing bigger purchases, that includes meals/nights out if they’re likely to be expensive.