As someone who was stung by my ex and being on the wrong end of an empty savings account, I will honestly say, I will never have one single account with someone again.
Four years ago I met someone who I thought was perfect for me and she felt the same, after several months we had strong enough feelings to give us the idea of moving in together, my property is a small bungalow, so not big enough and her home was a rented council house, now at the time, I'd not been in her property and had no idea as to how it looked inside.
A few weeks later, I said, "tell you what, do your finances and let me know how much you can afford to put into a joint account to cover our weekly/monthly/yearly costs and I will do the same". The idea being that she had her own account, I had mine and there was a joint account that we both would agree to put a set amount in. It never happened, she refused the idea of sharing the costs and this set off an alarm bell for me. She suggested we go with the flow and see how it went, I refused, citing that my ex had stung me and I wasn't going down that route again.
She took the huff and started getting arsey with me, saying, "You weren't like this in bed last night when you wanted this and that". I said, "what has being in bed go to do with the financing of your property"? All went quiet for a few days.
After a week, I brought up the subject again and she said, "I don't want you getting involved in my finances, it's none of your business", given the fact she knew what my finances were, as she'd asked and I'd been honest and open, I was the one who was annoyed. She was well aware of the previous "robbery" committed on me and stated that she wasn't my ex and wasn't the sort of woman who would do such a thing. I told her I wasn't willing to take that risk and that my suggestion was the only route I was prepared to go down, take it or leave it.
Given the pressures I was under trying to manage the finances with my ex, I was "once bitten and twice shy", so no way on this earth was I going to do that again. For several days afterwards, she kept negging at me to look at it from her point of view, when I asked what it was, she kept saying, "it's like you don't trust me", what that has to do with her point of view I have no idea, but I wasn't going to budge.
I was sat in her front room and felt the urge to get out of there, so I told her I needed to go home, I didn't feel well at all. I drove home and spent several hours thinking about this situation.
I never heard a thing from her for two days, I tried ringing, but she didn't answer, so I jumped in the car and drove up. Upon arriving, I found her furniture piled up in the garden and a house clearance company loading it into a van. I said to her, "what's going on"? she replied, "I've ordered new furniture, so this can go to charity". "Who's going to pay for the new stuff then"? I asked, she looked at me with a simple expression and replied, "We are"!
I was floored, there had been no discussion or anything and with her refusing to talk to me about our financial situation, I decided there and then to go n further with this relationship and to get out of this situation, I dumped her on the spot. I tried walking to my car but she stood in front of me at every step I took, pleading with me to stay and talk about it, I said to her, "no, you won't even consider talking to me about a joint account, so I ain't talking to you about furniture, if, you've ordered it, you can pay for it".
She burst into tears and yelled at me, "you owe me, all the things I've done for you, all the stuff I've ordered is in joint names", I shook my head and drove away. I'd not signed any documents, so wasn't responsible for the purchase.
She's tried many times to contact me, but I ignored her, blocking her phone numbers and emails, she has witheld her number and bought another phone/sim and sometimes she gets through, but I just hang up and this is over 3 years since the event.
Be careful and keep an account of your own!.