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?

We have never had a joint account. I pay all of the bills and my husband transfers me half towards it.

We have a joint account for household bills and pay proportionality in line with our salaries. So currently it’s about a 65/35 split. I also buy all the food shopping and we each pay our own personal bills such as phones and car loans

We have separate accounts that our wages are paid into. We transfer bills, joint expenses etc into our joint account. What money is left in our personal accounts is ours to spend as we like. We pay half of everything, so if we go out to eat one will pay & the other will pay next time. If one buys something for the house from their personal funds, the other reimburses them half. We have joint savings accounts so holidays & house maintenance stuff comes out of those accounts. We've been married 18 years & never argue about money.

Similar to this for us.

Salary I to put own account then we both pay the same into joint account but we earn roughly the same so it's fair. I get a bit more monthly so I tend to pay more towards our holidays. DH sometimes gets a bonus so he treats us to a few meals out or weekends break if he gets one. If one of us earned significantly more than the other we'd pay in proportion to earnings. Show your DH the tread.

All incomes go into joint account.

All direct debits for household bills, food, petrol, car insurance tax etc come out of this account.

Each have same fixed amout transferred to our own bank accounts.

Works well for us.

Both our incomes (pensions etc now but was salaries) into joint account. All joint household bills from there. We both have sole accounts which get money transferred in monthly. Same for us both. This has ensured the discrepancy in incomes when I was working part time to look after DC was accounted for. We have a joint savings account too plus individual savings.

Kind of into one pot .. we earn roughly the same so he pays all the bills and I put everything I earn into our savings account and invest a smaller proportion of it monthly The remainder we split between the 2 of us for our own money (nails /hair / season ticket etc / gym etc)

it’s not always been like that though . Previously he has earned more than double and he paid all the bills and any money I made went towards holidays for us , pin money for us both and years ago our wedding . Once we had saved whatever needed to and all the bills had been paid we would divide the remainder , it was always split equally . If we had £100 we both had £50 .

The fact that he has always paid every bill and my income has been used for extras means we’ve been extremely lucky . Now that I’m back from maternity and our child is much older I’m in a position within my carer to push forward and match his wages (infact for a year or 2 I was making slightly more than he was ) he lost his job recently and it felt incredible to be able to know that I could cover the bills with ease .we both feel extremely blessed as I’m very aware this is not the case for everyone!

I grapple with this! DH and I used to earn similarly but he has overtaken me and I’m part time so now he has over £1k more than me per month net.

We have one account for all bills, another for our food shopping, another for joint spending, and then various savings accounts. DH pays more into the bills account for the mortgage etc (quite a bit more than me, around £500) and then a bit more into the food annd joint spending accounts. We contribute equally to monthly savings.

I’m not convinced it’s completely “fair” as he might end up with a bit more per month than me, but equally I go out with friends a lot more and spend money on things he doesn’t like hair, nails, Botox. I wouldn’t feel comfortable pooling every penny we have and then me spending on that sort of thing while he doesn’t.