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?

Our wages go into a joint account, the bills/mortgage/ outgoings are paid from here from here. We have savings accounts for Christmas and holidays ( money is fed in from joint account) anything left at the end of the month is transferred to another savings account. We don’t have separate savings.

We put in according to our wages. I earn about 400 more than my partner so I put about 400 more into our joint account. It leaves us each with a few hundred but basically the same amount to spend or save in personal accounts. Our joint account pays all our bills, food, fun and savings so our personal money is for us each to do whatever we want with. It feels quite fair and works for us

like most others in this thread, we put everything into one joint account and each have equal personal spending money each month

Everything is joint. I earn a third of what he does but we’re a team 🤷🏻‍♀️

my husband is self employed. His income is bumpy and his work incurs high expenses, plus of course he’s siphoning off tax and VAT money. But fair to say he probably earns about double what I do (but has more volatility, but of course more opportunity to earn more, than I do)
Our money goes into our own accounts. We both transfer an agreed - equal - amount to our joint around start of the month to cover mortgage and bills.
since having a child, we’ve split childcare costs 2/3 him 1/3 me.
we plan to open another joint account for general spending like groceries and our daughter’s clothes/activities. At the moment he pays for 2 out of every 3 food shops.
I wouldn’t dream of spending “his” money, even though I know his money is ours. He buys a lot of stuff for us and we talk through most purchases

1 joint account. All the money we earn goes in and all the amounts we need to pay come out. We share whatever is left. Dh has a season ticket and I have a gym membership, but I think the rest of our bills are the same, phone, car, pension etc.

I dont have a joint account with my husband, personally I think both partners need seperate accounts for safety. However, we split bills 50:50. Then what is left in our own indivifual account is ours to spend

We have done it two ways:
When we first lived together I earnt a fait bit more than DH. We worked out what our joint costs were, and contributed to a joint account to cover these (rent, food, utilities etc). We initially contributed 40% of what we earn each. As life has moved on, expenses have changed (two babies!!, mortgage, childcare), we jiggled the percentage a bit to cover out joint costs. Anything surplus goes into a savings account, nominally for holidays.

When I was on mat pay we did it a bit differently, as I couldn’t cover “my” costs whilst of work, so we both kept something like £200 spending money a month, and put everything else into the joint account.

The babies are teens now, and DH and I earn very similar salaries. The percentages method still works well. We adjust it every so often. It helps that we are both natural savers, looking forward to retirement now!

I earn a lot more than DH. All wages are pooled in a joint account with all bills paid from that. It doesn't matter to us who earns or spends more.

No we’ve been together 34 years married 30 we have separate accounts my husband pays mortgage and council tax, I pay food and electric bill . We do have a joint savings account he earns a lot more and is happy to put more on than me, but I do contribute. The joint money goes on house repairs carpets etc . We’ve only had the joint account for around 10 years

We have a joint account which both of our wages are paid in to. Everything comes out of that. So all bills and any personal expenses too. So my DH might buy his lunch or a coffee etc when out. And I might do the same. Any big purchases we run past each other but we never take the piss. We did this as soon as we moved in together and years before children came along

We've always had a joint account. Even when we've had historic independent ones. We've been married over 25 years. Sometimes we've both been working, sometimes just one of us. We just have "money". We only really ask the other person "permission" for large ticket items. Otherwise we just buy what we want/need.

We put it all in one joint account, but we have our own savings. Everything comes out of the joint current account.

Married for 20 years here, both 42. The day I became pregnant 17 years ago we changed how we did our finances and haven’t looked back.

We both get paid into one joint account, all our bills come out of there, we have a savings account we transfer money to (when we have spare 😂) and then we have the money left over after bills to ‘spend’. It’s just one pot. Since we have 2 kids and I work part time his career has skyrocketed and he earns loads more than me. He doesn’t see that as his money, it’s our family money. He is able to do that job because I am here to pick up the slack at every other part of our life. When we created the joint account and I was pregnant I was the one earning more money, I earnt double than him and it was still one pot then.

We genuinely do not argue about money, if we have enough we treat ourselves and don’t ask the other, yet we are respectful of each other and neither of us would take the piss if that makes sense?

We have separate accounts but all funds are treated as joint IYSWIM. So we transfer money around as needed to pay for things. Tend to accumulate into his account so that gets used for bigger spends - cars etc

We have our own accounts for wages and our own savings. Transfer according to what we earn into a joint account for bills. 60% by me and 40% by husband. Worked well for 40 years.

Both wages paid into a joint account and all spending from there. When there's a decent surplus we funnel some off in to savings/ISAs

I’ve lived with DH for 30 years. We use our surplus earnings as we wish.

We’ve always had a “kitty” account. It pays the core bills.

The other monies are for us to negotiate to spend jointly/do as we wish.

Works for us. I can't think of anything worse than separate accounts.

Everything goes in one pot...we're a team. One account for day to day, one for saving. I earned 50% a year more when we met, but he had 50% equity of a cheap house. Now I've earned substantially less the last 6 years working part time self employed and managing the household and bringing the kids up. He now earns double having my support to grow his career.

But regardless we work as a team financially...everything gets paid for our of the same pot; but I pretty much manage everything. I think I would struggle to merge our finances if we weren't on the same page though or he was bad with money. But I think I would just struggle to have a relationship like that anyway 👍

We're not married, but engaged.

We have two joint accounts; one that his wages go into and one that mine do. All of the bills and spending comes out of the account that his wages go into and we try to live on that. The other account is used for car services and MOTS, holidays, wedding stuff, etc, or topping up the main account if needed.

We've done this since we first moved in together.

Ours have changed over time. We used to earn roughly the same amount so things were 50/50 but we have still always seen it as our money.

I then outearned him by about £7k. Which might not sound a lot but for us we saw a massive increase monthly. He was paid weekly so it made sense that when I got paid I covered all bills then had some money left to play with. We lived off his weekly wage for food etc. If I wanted more money to buy something he’d give me it.

Now I only work overnight 2 shifts so I can be home with our toddler. My wage now pays most of the bills. And he covers the rest. He went self employed due to losing his job so he just transfers what money we need as and when. I do have to ask him more often to send me money. But that’s just because it depends on work has come in.

My sister used to do the opposite with her now ex husband. He paid bills and they lived off her wage weekly.

My youngest sister was doing it % proportionally. But they made sure that he could cover the mortgage alone as she will be SAHM when they have children. However, he has recently took over all the bills as she has a chronic illness so can no longer work full time.

I understand the need to have your own savings and family savings/money. But I always find it odd when people act like their spouse is a gold digger!!

Our salaries are on par if we were both fulltime but I work the equivalent of 4 days and he works 5 so my contribution is always worked out as 4/9ths. I earn less and also contribute a lesser amount to my pensions than if I was working full time so am at a double disadvantage. My partner is also happy to pay for any holidays to even out our finances.

We have a joint account that all bills come out of. We both put the same amount in but have our own separate savings and current accounts as well.

We each keep separate bank accounts but have a joint one as well. He puts a large chunk into the joint one each month and I use both that and my own earned money for everything I need to pay for. He pays mortgage, bills, car lease, anything big out of his account. He earns 10 times what I earn, which is why he pays for much more stuff. We could just share everything but it's just the way we do it. I have plenty of money whenever I need it.