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If you have separate accounts, draw from your account for purchasing your own things?
For the joint account you need to put parameters around what it covers:
Personally I’d construct it like this:
Joint account for all shared expenses like rent/mortgage/dinners out/food/household bills/ vacations and agreement on what spend vs what to save
Individual account for clothes/ hair/friend trips or meals out or experiences/clubs/sports equipment etc (and savings as you see fit)
We deposit 1 check each into an expense account and all expenses are paid out of that account. Other check is for us to keep in our own accts.
Why not share everything? Personally I want visibility on what my other half is spending on.
In my household, everything goes into the family pot and everybody gets the same play money every two weeks
Transparent and simple
We’ve found a way that works by setting a budget for shared expenses and then allowing each of us to have our own 'fun' money. For me, keeping that separate fund allows me to make decisions without always consulting or thinking about the shared budget. It’s about feeling empowered, but also being transparent with each other.
Why have a partner or spouse but live like roommates?
When you commit yourself to someone fully and you’re now one unit you should live like one unit.
We are 100% transparent with our accounts our money our phones our passwords everything, all of it.
If you feel the need to have any kind of separation maybe that’s an indication of some sort of need for communication to get on the same page and talk about what’s important to one another so that you don’t feel the need to hide your side money and transactions.
Unless you’re not committed then yes don’t join accounts.
Because some men are predators and women recognize they need to protect themselves
Are you recently married? If not, what changed that caused you to ask this question now?
If you’re just sorting this out with your partner, and you don’t trust him with your money, come up with a household budget including vacations and each deposit half of that into the joint account. Keep the rest.
In an ideal world it would be all joint. But many relationships aren’t ideal, and I think it’s wise for both partners to have control of their extra finances.
Oh I skimmed the article after. It tracks