Hello! I'm getting married this year and confused how we should handle our bank accounts. Should we open a joint account and move both of our current accounts to the joint, keep our current (cont)

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I personally am a fan of the “yours, mine, ours” approach. An account for you to share and individual accounts for each)

I personally would just start by opening a joint account for you to deposit all your weddings gifts into and start contemplating what you will want to deposit monthly to cover living expenses. Pay your monthly expenses out of that account and see how that feels.

You can always consolidate further later on if you feel the need.

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Get one joint account, but still have your own accounts as well.

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We combined everything when we got engaged. Couldn’t be happier. We also own a house. But you really have to be aligned on finances, spending, and goals. In a past LTR, the idea of combined finances was horrifying. With my fiancé it was a no brainer, no fears. Congrats on your wedding btw! I’m tying the knot in July :)

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No matter what you decide, always have a stash cash account, yours and only yours. Even if you're only putting in $50 a month, just make sure to contribute to it.

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All personal choice. We’ve been together ten years, married, own a house together and have a kid and we still have totally separate accounts. But we are pretty laid back around who pays for what, probably a luxury of having two excellent incomes

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When I got married, we were also living separately (military). So we kept money separate until we moved in together, and now we have our own separate ones along with joint. We use the joint to pay for household stuff. So far, that has worked really well and helped ease the transition while also allowing us both to have some financial independence.

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Thank you, C1 and D1. I do like the "yours mine ours" way, so will most probably do that! Thanks 😊

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Also congratulations!!! Such an exciting year 🎉

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Accounts and add each others' names to them, or is there another method that is better? We aren't currently living together so we don't have any shared expenses currently, but was planning on having a joint account where we could pay all our bills. Confused on what the best method would be.

^ same here and love it.

My husband and I keep it totally separate and have a running Splitwise for big amounts, so bills, rent, holidays etc all go on there. It honestly functions like a joint account... just with no admin of opening a separate bank account.

First of all, congrats!! My husband and I weren’t living together before we got married, but once we were married we had a joint checking and savings account. We’re lucky enough to be able to live off his income, which goes into checking, and save 100% of mine. We have separate credit cards and don’t see each others’ statements, but we pay them off from the joint checking account. Gives us a bit of privacy 🙃 We discussed each of us having an allowance of sorts of money to spend each month with no questions asked, but in practice we haven’t actually implemented it because neither of us are big spenders and we both trust the other completely. We definitely discuss any major purchases beforehand (but your definition of major may vary). It works well for us, but everyone is different. You can always try out various arrangements and see what works for you—no need to stick it out with something that doesn’t work

I recently read an article that broke each paycheck down from a budget/splitting perspective. It entails 40% of your pay into a joint account to cover household items (rent, mortgage, bills), 20% into a joint savings account for big ticket items (vacations, event tickets, emergency fund) and the remaining 20% you keep for yourself for your own personal expenses. Depending on your debt profile and if you’re willing to take on his debt and vise versa, this could be a good solution to ensure you’re meeting your financial goals as a couple but also as an individual

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