Can only marred couples answer please.

[Richesme]

After my last posts about my husband wanting to go halves in paying bills rent etc when I start working full time, I’ve sat down with him and even though we had a disagreement about going halves, he eventually said, you can keep all your money to yourself and do your own spendings or savings from there.

He doesn’t believe that couples either put all their money in one pot or go halves in proportionate to their wages. His works in the bank therefore tells me that he has many customers come in to open joint accounts and they go halves.

I want to find out as married couples, how do you guys manage your money, bills, rent, mortgage, spendings, savings and investments?

Everything is joint. We agree any large purchases, smaller stuff just spend as we wish. We have similar attitudes to money so it works fine.

By proportion based on earnings: 45 / 55% - this accounts for bills, mortgage, joint savings etc. Anything leftover goes into our individual savings

We had separate accounts and transferred an amount each into a joint current account to pay bills and food shopping.
Never in a million years could I have agreed to put everything in one account.

Separate accounts here - I spend way more than my husband. We share the bills etc. I like being independent in my marriage we aren’t joined at the hip even after 45 years together

We each have our own accounts and I pay the mortgage and insurances and OH pays the rest of the bills. As the rest of the bills aren’t half of the mortgage/insurances he also pays some money into my account so that we’re each paying half of everything. No shared finances. Own savings. I should say, we have no children so that’s always worked for us

We have separate accounts, we pay for separate things and DH transfers me a lump sum so it’s more like we get paid similar amounts. Post mortgage payments.

We pay proportionately to how much we earn (works out me 40% and him 60%) into the joint pot for all bills (inc food). The rest of our income is ours to do as we please. However, we also have a joint savings account which we pay equal amounts into and it pays for holidays.

Both our wages and pensions go into a single joint account. All household expenses are paid from this, and we allow ourselves a certain amount of personal fun spends every month.
Clothing and shoes come from the jount account, as do repairs, maintenance, replacement for devices etc.
We have never changed this over 60 years. At one point, for a few years one was working and one not, eg going to college. We took it in turns, each working one supporting the whole family.

I was raised by a single mother who instilled in me from an early age the importance of a woman being financially independent so there is no way I would ever be comfortable with paying my salary directly into a joint account. I get my salary into my own account and then I pay a set amount into a joint account I have with my husband who does the same. Savings etc all separate. We have 2 kids. Bills are 50:50 and although we earn similar amounts, the bills remained 50:50 even when I was on maternity leave. That was at my request - I used my savings to cover my half in the period when I was effectively on unpaid leave. I realize that puts me at a financial disadvantage but it was my choice to have children (his too) and I could have gone back to work earlier but chose not to, and I’m glad I had my own financial means to do that without needing to “ask” for his consent from a financial perspective, if that makes sense.

Bits of money all over the place, depending on what's currently worrying me.

We've always earned roughly equal. Wages in own accounts, then lump into joint account. After 20 years, we've finally started a joint isa to save good holidays. But then, we spent 14 years paying childcare in one form or another. We have a respite of about 2 years before uni starts.

Joint Account and joint savings etc. all earnings go in and bills come out, its immaterial how much each earns, we didn't marry half of each other!

Good job you weren't abandoned with the kid. Especially if you weren't married, as your wording sounds. Or that neither of you died.

Always had all finances in joint accoun(s) never been a problem - after all we’re an equal partnership and have been married donkey’s years.

Now both retired, but until recently I used to earn more than my DH. We worked out what we needed for bills, food, petrol etc. each month and each put half into a joint account. Then we ensured that we each had an equal amount of spending money, by looking at how much DH had left after paying his share. I kept that amount in my personal account, and anything more than that was put into a joint savings account we used for holidays, Christmas, car repairs, new furniture etc., depending how much we had and what we needed.

Originally we calculated our joint out goings and both paid half by DD into a joint account. Then kept what ever we had left in our sole accounts.

Then I went part time after children so we calculated how much extra husband should pay compared to me based on our salaries

Then. His salary sky rocketed. So joint account is fully funded by him for us both to use. And he pays some of his money into my sole account. And I keep all my salary on my joint account. This keeps us fairly equal for personal money. His career wouldn't have taken off if I hadn't stepped back and done the child care.

The question asked only married people to respond so why would you assume I'm not married?

I was responding to your comment that only "family pot" is the way to go. We are married. He owns the flat we live in. I own 2 other flats solely in my name. No mortgage on any of them. We both have substantial pension pots although I'm still working. I have savings as well and we both have some shares.

I would never have entertained the idea of a joint account. We never discussed it. All our banking is separate and always has been. For tax reasons wills leave everything to whichever of us survives.

Never had a joint account. DH earns more than me so pays for major expenses, holidays, bills, house maintenance etc.
I pay for groceries and most stuff for the kids. When I wasn't working he'd put money in my account.

I suspect we can only have such a relaxed attitude to money because we are fortunate enough to have enough of it for what we need/want especially because he's more of a spender whereas I'm a saver.

Joint. We’re a team.

I earned 5x times what my ex wife earned. All went into the same pot, no issues. Now earn 2x what my current partner earns and it’s 50/50 all the way by her choice. I hate it, I really, really hate it. I went from never talking about money to talking about it all the time.

Because you said "together for x years", not "married for" and you answered me. I can't see if you answered the OP elsewhere, since it is a long busy thread and it would not be interesting for me to rummage.

Obviously your situation bears no resemblance at all to that of the OP since you are both extraordinarily well resourced and thus not vulnerable to being hit for six financially in the way the OP could be. So you are sort of comparing apples and fish, really.

We have always put everything in a joint account. We talk about big purchases together. Everything we have is joint, even our cars. Even when I was a sahm for a time it was joint money. We have been married 25 years. I can't imagine marrying someone I didn't trust completely with money and finances.

Husband pays for everything.

We have a joint account, all bills, spending, savings come from here no individual accounts, we are in it together and have been from the start.

My husband pays all bills. My money is generally used as savings / stuff for me / my bills like mobile etc and bits I choose to get for kids etc.

Mammy and Sophie Josh y and age and design my own room and I'll be home for the Think she is not good for us too so we 5th 😘