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Joint bank accounts

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By (user no longer on site) OP   
over a year ago

assuming your married,what’s your views on joint bank accounts where all your finances are combined, not just for paying bills…good idea or bad?

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By *yron69Man
over a year ago

Fareham


"assuming your married,what’s your views on joint bank accounts where all your finances are combined, not just for paying bills…good idea or bad? "

Have one but also keep your own accounts.

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By *oobyHotwifeWoman
over a year ago

Thurrock

I've been with my husband 16yrs we've never had a joint bank account it works for us

But what works for one couple might not work for the next

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By (user no longer on site)
over a year ago

Never again will I have a main joint account

Yes I will have one for bills and such and transfer direct debit in to it but never a main account

As a when I did have one and me and the ex split she thought it be a good idear to go in to the bank and lift everything out the joint account for her self

Left me flat broke with a ton off bills on my name and no way to pay it despite it not being her money

She had all ready movied her pay in to another account

We were living month to month at the time so no real savings

But I still hadn’t got around to movie my wages out

See seen fit to steal my wages and book a holiday to Ibiza with my wage

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By (user no longer on site)
over a year ago

We have a joint bank account, everything is all transparent and shared.

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By *parrow77Man
over a year ago

cheshire

Never had joint not that I don’t trust other person but knew me and ex had different views on cash I was very budget and managed she wouldn’t have a clue.

She always used get frustrated I wouldn’t do joint but after split so glad didn’t cos was hard enough sorting bills and rent out without having banks as well

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By *oncupiscentTonyMan
over a year ago

Kent

Always have 3 bank accounts...

Current account

Savings account

One that no else knows about account

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By *parrow77Man
over a year ago

cheshire


"We have a joint bank account, everything is all transparent and shared."

I was always transparent with separate accounts it’s what’s best for both ppl

I always think it what works my problem was I I always seemed be one who budget and saved for things so meant always came to me to sort or do stuff as she always had no cash or over spent

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By (user no longer on site)
over a year ago

We've only ever had a joint account since long before we married (pretty much from when we moved in together).

Always seems a bit weird to me that people in a marriage keep separate accounts. Over the years there's been periods when each of us has earned more than the other but all we've ever been bothered about is the final amount going in, not who gets to keep what.

Obviously nobody can tell you what's right for your own situation though and maybe it's different for us in that neither of us had anything when we met.

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By (user no longer on site)
over a year ago


"assuming your married,what’s your views on joint bank accounts where all your finances are combined, not just for paying bills…good idea or bad? "

We don’t have a joint account.

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By *orksRockerMan
over a year ago

Bradford

[Removed by poster at 06/02/22 15:38:58]

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By *orksRockerMan
over a year ago

Bradford


"Never again will I have a main joint account

Yes I will have one for bills and such and transfer direct debit in to it but never a main account

As a when I did have one and me and the ex split she thought it be a good idear to go in to the bank and lift everything out the joint account for her self

Left me flat broke with a ton off bills on my name and no way to pay it despite it not being her money

She had all ready movied her pay in to another account

We were living month to month at the time so no real savings

But I still hadn’t got around to movie my wages out

See seen fit to steal my wages and book a holiday to Ibiza with my wage "

I had a joint account the moment my ex and I decided we were a couple. Yes, I earned more but we were a COUPLE so, never an issue for me until exactly this too. During our break up, she did exactly what she said she'd NEVER do and cleared the joint out leaving men broke and scrambling to pay debts. Found out later she had also been saving and syphoning money into a hidden account despite me doing without weekly /monthly essentials.

So agreed, never again too. Lesson learnt.

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By *icecouple561Couple
Forum Mod
over a year ago

East Sussex

We have a joint account for bills and individual accounts for personal spending.

We also have joint and individual savings accounts.

We both prefer it that way. It's up to individuals how they run their finances in relationships

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By (user no longer on site)
over a year ago


"Never again will I have a main joint account

Yes I will have one for bills and such and transfer direct debit in to it but never a main account

As a when I did have one and me and the ex split she thought it be a good idear to go in to the bank and lift everything out the joint account for her self

Left me flat broke with a ton off bills on my name and no way to pay it despite it not being her money

She had all ready movied her pay in to another account

We were living month to month at the time so no real savings

But I still hadn’t got around to movie my wages out

See seen fit to steal my wages and book a holiday to Ibiza with my wage

I had a joint account the moment my ex and I decided we were a couple. Yes, I earned more but we were a COUPLE so, never an issue for me until exactly this too. During our break up, she did exactly what she said she'd NEVER do and cleared the joint out leaving men broke and scrambling to pay debts. Found out later she had also been saving and syphoning money into a hidden account despite me doing without weekly /monthly essentials.

So agreed, never again too. Lesson learnt. "

I was the same she only worked part time 16 hours a week didn’t bother me one bit I was being payed stupid money at a young age like £13 a hour and this was like back in 2007-2008 witch considering the cost off liveing back then we were living good but still month to month because she wanted the fancy stuff but only worked 16 hours a week didn’t bother me as long as I had her I was happy don’t know if she ever did anything like that though never cross my mind to think off that one but yes big lessons learned there

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By (user no longer on site)
over a year ago

Like many others responding so far, we have a joint account for bills, general household expenditure and groceries etc as well as joint savings accounts and investments for longer term goals.

We also have our own individual accounts too. When we were both working and earned slightly different salaries we used to split the money up so after all the joint bills and joint savings we ended up with the same amount of personal spend each, so I effectively paid a little bit more each month but we ended up equal.

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By (user no longer on site)
over a year ago

Both. They can be good and bad. It depends on the couple.

Me and Mr have a joint account but we have our personal accounts where our wages go into. We put a certain amount of our wages into the joint account for bills, treats etc but have that backup or extra treat/savings money in our own accounts.

Works great for us.

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By (user no longer on site)
over a year ago


"We also have our own individual accounts too. When we were both working and earned slightly different salaries we used to split the money up so after all the joint bills and joint savings we ended up with the same amount of personal spend each, so I effectively paid a little bit more each month but we ended up equal.

"

That's a nice way of splitting it

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By *parrow77Man
over a year ago

cheshire


"Never again will I have a main joint account

Yes I will have one for bills and such and transfer direct debit in to it but never a main account

As a when I did have one and me and the ex split she thought it be a good idear to go in to the bank and lift everything out the joint account for her self

Left me flat broke with a ton off bills on my name and no way to pay it despite it not being her money

She had all ready movied her pay in to another account

We were living month to month at the time so no real savings

But I still hadn’t got around to movie my wages out

See seen fit to steal my wages and book a holiday to Ibiza with my wage "

Damn that’s terrible and my fear that others be reckless.

We used split bills between two accounts and then send half of bills over so equal pays

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By *heonix_flamesWoman
over a year ago

Midlands

Bad. Joint account for rent/mortgage, household bills and food but keep everything else separate.

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By *acey_RedWoman
over a year ago

Liverpool

Not for me. I wouldn't mind a joint one for shared expenses but I prefer financial independence otherwise. I like to manage my own money and decide when I want to cut back and save and when I can afford to splurge and I wouldn't want someone else to have to live by that for my sake.

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By *ack688Man
over a year ago

abruzzo Italy (and UK)

I think joint accounts are great for joint bills but also having your own account and your own separate money is important. I’ve always been a fan of the idea of you each having a solo account that your wage gets paid into (assuming you both work), then each transferring an agreed amount into a joint account to cover all shared bills, also maybe a second joint savings account you both pay into for saving for holidays or whatever, and then you have whatever is left in your own account for your own stuff to spend or save as you feel like

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By *parrow77Man
over a year ago

cheshire


"Not for me. I wouldn't mind a joint one for shared expenses but I prefer financial independence otherwise. I like to manage my own money and decide when I want to cut back and save and when I can afford to splurge and I wouldn't want someone else to have to live by that for my sake. "

That’s exactly my feelings must be the fellow scouser side lol

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By *irty CatsCouple
over a year ago

Edinburgh


"We've only ever had a joint account since long before we married (pretty much from when we moved in together).

Always seems a bit weird to me that people in a marriage keep separate accounts. Over the years there's been periods when each of us has earned more than the other but all we've ever been bothered about is the final amount going in, not who gets to keep what.

Obviously nobody can tell you what's right for your own situation though and maybe it's different for us in that neither of us had anything when we met."

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By (user no longer on site)
over a year ago

We have had a joint account since we bought our house. We both have separate accounts but rarely use them. It works well for us even if it does mean I get questioned for buying a nail gun from the middle isle in Aldi

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By *acey_RedWoman
over a year ago

Liverpool


"Not for me. I wouldn't mind a joint one for shared expenses but I prefer financial independence otherwise. I like to manage my own money and decide when I want to cut back and save and when I can afford to splurge and I wouldn't want someone else to have to live by that for my sake.

That’s exactly my feelings must be the fellow scouser side lol

"

Also I know my cohabiting partner. He only really manages to save by sending me money that I put into savings account for him. He also transfers me all the bill money on payday so he can see exactly what he has left in his account to spend. If we just had a joint account, I don't think he would be able to keep track of whether he was spending his "fair share". Not through maliciousness, he just doesn't work it out the same way I do. He needs to see it clearly.

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By (user no longer on site)
over a year ago


"I think joint accounts are great for joint bills but also having your own account and your own separate money is important. I’ve always been a fan of the idea of you each having a solo account that your wage gets paid into (assuming you both work), then each transferring an agreed amount into a joint account to cover all shared bills, also maybe a second joint savings account you both pay into for saving for holidays or whatever, and then you have whatever is left in your own account for your own stuff to spend or save as you feel like "

People can have multiple accounts. Joint for bills, solo for wages, solo for savings, solo for spending money, joint for savings etc.

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By (user no longer on site)
over a year ago

Joint account. Everything goes into the pot. We trust each other

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By *inky_couple2020Couple
over a year ago

North West


"We have a joint bank account, everything is all transparent and shared."

Same. We've been 100% joint since we we married and it's a great thing for us.

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By *ickshawedCouple
over a year ago

Wolverhampton

We've never had a joint account. I bought the house on my own so all the bills were paid by me. I've always earned more plus the child benefit and child tax credits get paid into my account. We did change it so he pays the council tax now from his account. At various points we've moved money between our accounts. When I was on maternity leave he transferred money to me regularly. We treat it all as joint money. If we had a joint account I'd be checking up on every transaction and neither of us wants that. We're both pretty good at not spending much so it works for us

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By *akie32Man
over a year ago

winchester

when i was married we had our own accounts and a joint one for bills that we both paid into every month, never used it other than that, first time i knew there was a problem was when the mortgage company rang to ask when i was going to pay the arrears, turns out she had been using that account for other things and nothing was getting paid.

nearly 20k later i got it sorted, took a few years, obviously we werent married for long after that, so never again

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By (user no longer on site)
over a year ago


"I've been with my husband 16yrs we've never had a joint bank account it works for us

But what works for one couple might not work for the next "

The same (not with your husband obviously). No need for joint account.

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By (user no longer on site)
over a year ago

Never again for me

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