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?

Both salaries are paid into a joint account. We have 3 standing orders: the money for all the bills gets put into the 'bills' account and we each get an allowance transferred into our own bank accounts. Whatever's left in the original joint account is used for holidays, eating out, savings, incidentals.

Everything into the joint account, then all bills, kids expenses, pension and day to day spending comes out if there. We both get the same amount of ‘spends’ each into solo accounts. That way I don’t get hacked off at him wasting £5 a day on shit coffee from a shop & he doesn’t know how expensive my new shoes are. Everyone wins.

Also he insisted on that as I was really bad for not spending anything on myself.

Joint pot and split equally no matter the earnings. We're a family.

We have one account that his salary goes into...when I worked mine did too. Over the years child benefit went in there, tax credits etc.

He doesn't tend to spend much, but we both just spend what needs spending and I keep tabs on the balance.

Join account here, everything gets put in there. It makes no difference to us if or when one earns more than the other.
We discuss big purchase, holidays, cars, house, apart from that we just spend reasonably what we want. Most of our money go on the kids anyway. If one goes out, then he goes out!

It helps that we have fairly similar views, neither of us is tight, but neither of us would go into debts either. I can see how it could become a nightmare otherwise, but as it is, no one is judging what the other spends.
For a big present, we tend to either withdraw cash or transfer the money somewhere else to keep the surprise

We both get the same amount of ‘spends’ each into solo accounts.
that's quite a nice way to organise it as well.

Married 40 years always had one joint account. It's worked well. Husband always earned more than me (I was a stay at home for some years).
He's done well but wouldn't have without me organising his life (he agrees with this view!) so we both feel it is 'our' money.

that's quite a nice way to organise it as well.

It works well because we spend differently. He’s a coffee, magazines, lunch instead of taking it type of spender. Whereas I’m more a dinner with friends or bigger things. So it always felt (to me) that I spent more and felt bad for it. Whereas his point that he spent way more was proved by the solo spends lol

We both get the same amount of ‘spends’ each into solo accounts

This is what we do too. Everything in the pot, all bills + family spending come out the joint account and we each get the same amount in our personal accounts every month to spend as we choose. I'm way more careful with my money than he is, this seemed the easiest way to avoid any friction.

Everything goes in and out of one account as we are paid on the same day with both jobs.

However we are on zero hour contracts so our income varies from month to month so this is the fairest way.

One account, pay bills etc , spend what we want, save rest. Over the years both of us have had changing fortunes, I was the high earner, then sahm for 12 years and now earn half of Dh, always been family earnings/money. Only works because we have the same outlook on budgeting. It wouldn't work if one of us was spending on coffees/lunches or similar. All big spends (car etc) are family purchases and again I don't think it would work if we didn't have the same outlook.

Joint account. Everything in, everything out. Fancy a few split quid on xmas bonus day etc (doesn’t happen these days but an eg) we pay from joint into individuals. Works so well

Oh yes and save the rest too!

Salary goes into our own respective accounts - we both then pay 80% of this into joint that covers all bills etc. Anything left over each month rolls over and becomes out joint savings.
The other 20% is personal money to be spent on whatever. I earn considerably more so will pick up meals and whatnot from my personal money. It also means you can plan gifts holidays etc without the other knowing.

By far the fairest way as you are both paying out the same proportion of wage and neither is over disadvantaged/advantaged.

We keep our accounts separate and pro-rata household expenditure by our gross (we have different savings styles so net wouldn't be at all fair). This means I pay about 70% of everything, which is fine by me. I also cover big expenses, cars and house fixing and foreign holidays and whatnot, to make sure DP's discretionary cash isn't dented.

I have been a SAHM with zero earnings for many years.

During that time OH had a job that earned a lot but involved a lot of travel, often weeks at a time.

He was only able to combine that job with parenthood because of me.
His money went into our joint account- no tabs kept or questions asked about spending.
I was free to spend as much as I liked.

We both put in equal effort into running the family so shared the financial rewards.

I now earn twice what my OH earns.
I work only part time, I scoop up most of the housework because I have more time.
But again we have a joint account- both free axxess to it with no questions asked.
We both contribute a similar effort so we share the rewards.

DH works full time in a really well paid job. I work part time at living wage. He pays all the household bills, I tend to buy DD clothes, stuff for school, pay for her clubs, little treats etc we have our own accounts, we discussed getting joint accounts but didn't bother.

Every single penny goes into joint account- all bills paid out of that and any treats. It was the same when DH was only earner and now when I'm the higher earner.

Tbh it seems strange to me that a family would have individualised financial thinking - if ypur are all together why not 100%?

Both wages get paid into joint account. All bills are taken out on 1st of month.

We then each take an agreed allowance of £300 a month from the account for personal spends.

Then from what's left in the account 40% is transferred into long term savings. The remaining 60% is the pot for Christmas, birthdays, holidays, emergencies, large purchases.

I earn around 10k more than DP but we find this the best way for us as it means we are completely equal financially. Yes i am sacrificing some of my money to him but there's been times in the past that he has supported me when I've needed to have months off work so it's swings and roundabouts.

Things like spa days, trips with friends etc.. We would save up from the £300 a month for or we would ask the other person if they minded us dipping into the holiday/Christmas etc. Pot by X amount and then we would both draw the same amount out so that it was equal.

We have never had an argument about money :) we review the budget once a year to check how much we have put into the long term savings, make sure we are on the best tarrifs etc. For all bills and confirm we don't need an adjustment of the monthly allowance.

We have a joint and our own. Our outgoings total nearly £800 a month (very small mortgage left so under £400 a month). I pay in £300, DP does £500 as earns probably 10K more than me a year and this was his idea. However I do most (not all) of the food shopping so it evens out. The rest of the money in our accounts is our own, if something crops up, say we needed a new shower fitted (this happened recently), we transfer an equal amount to the joint account and use that. We also pay the same amount of money into another savings account. Looking at it though, DP does tend to pay out a bit more.

DH comes home with about £1000 a month more than me. He works full time and I work 25 hours.

We have a joint account which both our monthly wages get paid into.

We each then take £400 to put into our own personal account to spend as we wish.

Every house/car/children related expenditure we have will come out of our joint account.

We both just stick a certain amount into the "living expenses" account each month. Everything else is separate. I suppose that wouldn't work if we had children or one of us didn't work, but we don't.

Married with dc, we have our own accounts, dh transfers me half the rent and pays one of the household bills himself, I earn more and pay for all other household bills, groceries and dc clubs and childcare, I also run the car as he doesn't drive, generally we have the same left over once I've paid everything and we spend on what you like. Works for us

We put 500 each into a joint account and that covers mortgage and all monthly bills and top up shops and holiday accommodation . One of us pays for weekly food shop every week and the other childcare. The rest is kept in individual accounts but doesn't really belong to either of us and we both know how much is there