{ "media_type": "text", "post_content": "Getting married next month and we’d like to have a joint checking account to cover shared expenses, however I don’t want to miss out on all the points I can rack up by consistently using my delta platinum card (spending thresholds = point bonuses, etc). Also my credit card bill will likely be a mix of shared and personal expenses, so how do couples go about this? Open to any advice. Thanks!", "post_id": "6101c4e2161aff002af4b927", "reply_count": 9, "vote_count": 1, "bowl_id": "59064a3cb12379001006592c", "bowl_name": "Personal Investment Chatter" }

Getting married next month and we’d like to have a joint checking account to cover shared expenses, however I don’t want to miss out on all the points I can rack up by consistently using my delta platinum card (spending thresholds = point bonuses, etc). Also my credit card bill will likely be a mix of shared and personal expenses, so how do couples go about this? Open to any advice. Thanks!

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We have a shared checking account where both paychecks get deposited into. We’ve also agreed on an “allowance” that each of us get that will get deposited into a separate account that we’re free to spend on whatever we want. I added my wife as an authorized user on all my Chase cards and we primarily use those for all expenses, both shared and personal. Any time there’s a personal expense, we just move the money from our respective “slush funds” into the shared account to pay ourselves back.

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Also how my husband and I approach our finances. Has been working for us for a while!

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I look at it like shared expenses are joint and individual expenses are joint. Makes it easier but know that is not for everyone

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You take the money from your joint savings to pay off the shared expenses on your credit card. We paid for our whole wedding on my credit card (not on actual credit) so we could rack up the points.

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We have a shared HMBradley we use to rebuild our emergency fund and pay mortgage, utilities, taxes, and maintenance. We put utilities on the HMBradley credit card. We both still maintain separate accounts with our respective credit cards, so get points from all of the rest of our personal spending. It works for us!

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Get your spouse an authorized use card with your delta plat and the balance they charge is their responsibility. As for shared expenses, it all evens out somewhere. If you’re playing the “I only ate one mozzarella stick so I only owe $1” game, then reconsider marriage. Even splits will never be even. My spouse pays the mortgage, I pay everything else. I have no idea if it’s even.

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Accept the fact now that there are no more “individual” expenses. The fact that you talk about your individual funds paying back your joint fund tells me you haven’t really internalized what it means to be married (I was exactly the same way). Not saying people don’t do it, but in my humble opinion, you are a unit/household/team. Every dollar each of you spends on “personal” things like getting nails done or buying a new jacket could have been savings for the next house down payment. That you decided to label the money “personal” doesn’t change that. Maybe people find it helpful to avoid fighting to give each other a monthly spending budget but I find that breaks down. When my wife goes to see a friend and buys a flight, am I going to tell her she can’t also get a haircut until next month because she’s used her personal budget? Budget for living, budget for saving, and budget for discretionary spending, then talk about that spending as a married team and stay away from getting in the weeds like you are managing your associates meal budget.

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we have a joint card (csr) in addition to our individual cards (separate delta platinum) - another possibility it individual cards (delta platinum) and joint card (delta gold or another level)

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