To wonder how many couples have shared finances or separate? Let's do a vote

[LieLikeALoungeroomLizard]

To see how common it is

Reason I'm curious us because two very good friends of mine come off considerably worse from non shared finances
Even the one who is married

My personal situation is shared finances and both have a certain amount of spending money each month for extras like going out and buying clothes we want but don't need etc
And it works so well

Anyway let's poll

Vote

Yanbu for, we gave shared finances
Yabu for, we have separate finances

Everything goes in one account here and we have a separate savings account also joint. We each have a credit card we can use that the other can't see. I tend to do the banking. Luckily we are in a position of not having to manage on a tight budget so we only discuss big purchases really. I'm in Belgium and you are generally seen as one financial unit for tax etc purposes. Not sure I could take a loan out for example without us both agreeing to it, which I guess is a good or bad thing depending on how you look at it.

And over the years it's gone from me as main wage earner, then dh, and now he approaches retirement so it will go back the other way in a couple of years.

Shared accounts.

DH earns roughly twice what I do after taxes. We have a shared account we pay £300 each into for food and little bits for the house (eg. Plants for the garden, a pair of curtains etc). I pay £300 to DH's account towards household bills (his house) but the bills are closer to £900. DH mostly pays for household projects or maintenance.

When he bought the house we had only been together for 18 months. Neither of us are bothered about putting me on the mortgage now we're married but it will be a joint mortgage if we move.

He would like us to have joint finances but I've said no. We're both good at budgeting and have no short term debt but I earn so much less than him that I'd find it hard to track what is mine and probably end up spending less out of fear that I'm spending his money and taking the p*ss. It's my own worry as he would rather we treated our joint finances as equally ours.

We have recently moved out current account to Starling. We have had a joint account for 40 years, but very impressed with the Starling system. . We had to open individual personal accounts first, and then combine them to a joint account, but the individual accounts remain open. So if we were both working it would be a doddle to maintain.

Shared. Good job really as I don't work.

We share our finances but we have separate bank accounts. We don't do spending money either.

I think I have the best of both worlds - husband’s salary goes into the joint account - which I spend from freely. He earns 100 x what I earn.
My earning go into my account! I use my
Money for presents for him abs fun stuff, but also as I’m SE I find it easier to have it going in/out of my account.

We have a joint account that my salary goes into (I'm the only earner at the moment) and personal accounts too but we always just help each other out.

Shared. We have a joint account and our own accounts but what’s mine is his and what’s his is mine.

We are both relatively high earners - me 120k and him 70k and as far as I’m concerned it’s shared

His name is on the mortgage and the deeds only because I’m self employed so it would have made it far too expensive - I put the 60k deposit down.

I can envisage me treating myself to something and him not being able to afford it. I just bought a 21 plate merc cabriolet so he’s buying a 21 Audi A8. Technically I’m buying it but it’s more we are.

He just got some
Compensation money - significant amount - that went into the car and house pot 100 percent

I could never look him in the eye and vice versa if one of us was living it up a d the other not

I didn't vote because it's irritating when it's assigned to an answer

I agree, I don't think voting using YABU/YANBU gives a true picture. Some probably vote 'YABU' for using AIBU as a poll.

Married, separate current accounts for our own spending and joint accounts for family spending.

Married, all money is household money, but we keep it in separate accounts. DH a high earner and complex tax affairs, I'm a sahm with assets and unearned income. He pays for all household expenses and gets the bill when we go out for meals/days out etc, mortgage is paid off, he pays some money into each of our spending accounts when it runs low. My income is much lower than his so I don't transfer anything. Never consult each other on spending on expenses for ourselves, no idea who spends more, but we discuss household/family purchases.

@Sparklingbrook

I didn't vote because it's irritating when it's assigned to an answer

I agree, I don't think voting using YABU/YANBU gives a true picture. Some probably vote 'YABU' for using AIBU as a poll.

I nearly did

We need a poll section.

50/50 whilst dating, only joint once married. I’d never share finances with just someone I was dating.

It's not that straightforward. Me and dh have completely seperate bank accounts but know exactly what the other gets paid ect. I take care of all everything from my accounts. Dh transfers me x amount of his wages (struggles with spending issues) so he knows what's in his account is his to spend. We both have similar spending amounts. There is a spreadsheet for all finances which dh can check and I talk him through it every 6 months or so.

Married 20 years, 4 DC, separate accounts: he pays for some things I pay for others, but essentially we both get to enjoy our money freely.

Completely shared. Don't even have separate savings. It's all in one savings account.

We discuss additional purchases outside of bills, especially big ones. Mainly just a case of 'mind if I buy this?' and its usually met with a 'do what you want'.

All monies and assets are owned equally. We each have small current accounts so that we can buy presents or surprises, like flowers or meals out, but it comes from the single pot and we could both access them, if we really felt the need. Its only about £250 into each a month, I think.

Can't really answer that as, like others, we have shared bills, separate personal.

I have to have my own money - I like to know what I have and if we shared everything I'd probably feel guilty about spending 'DH's' money that I'd never buy myself anything! He has large but irregular income (freelance) so it's hard to keep track of.

Also I have inherited quite a lot of money - that's all in my name and DH appears to have no interest in it at all.

Totally shared

On the app so can't vote.

Married. Totally separate finances.

Completely separate finances here. I pay some bills and he pays others and then we buy whatever we need/want (within reason) with the rest.

Should have added. We aren't married.

Not shared. DH was reluctant to share when he was the much higher earner. Then our fortunes changed and he suddenly got keen to share. I chose not to. That sounds dysfunctional but actually, we are very fair about who pays what and very generous to each other. I just prefer to manage my own money my own way.