I totally understand where you're coming from.  The way we deal with it is to share (have joint) accounts for everything, but every week we are each allowed a small cash stipend to spend on whatever we want (a yummy coffee drink in the mornings for him, maybe a new shirt for me).  We don't ask what the other person buys with the money, and we are both allowed to save it from week to week instead of spending it for something larger that is outside the budget (for him, something new for his cycling habit, for me, new shoes).  In some ways it's kind of like an allowance, I guess.  It keeps us reasonable about our spending (and saving), but also keeps us sane in some ways. 

I have my account, he has his account and then I have my his account.. Meaning if I say I need money he puts money in his account and I take it... :)

That I use for food or extra stuff I may need.. As the only money that goes into my account is government checks for having kids I guess you could say that it really is Francis's account and I don't have one...

So in the end what is hubby's is mine too.. :)

One of my friend's friend's mum apparently had a bank account her husband didn't know about. My friend's friend was going to buy a new house and her parents figured out they did not have enough money to buy the house they wanted in their joint account. Suddenly, the mother said, "Oh it's ok, I've got enough money in my other account we could use." The father exclaimed, "You have another bank account I don't know about?"

So I think it depends on each individual's financial habits - the mother obviously had a financial habit where she had a separate bank account, where as the father did not have a separate bank account.

We have a joint account, I trust him, he trusts me, we work together with the money on what needs to be paid and what can be saved and spent.

I closed my personal bank account before we even got married, it was higher in fee's etc. than Brett's so he got me my own card for his & I'm a signatory on his, I had to open my own when I had the bub for the baby bonus etc. and thats now our saving account.  The only thing that is in my name alone is the credit card.  We have just the one & it's for emergancies only, so he doesn't need it.  It works well.  I take his card off him when he gets his monthly allowence out......money burns a hole in his pocket, so it works better that way. LOL

you can have one account in two ,, eg  ive got a credit card but it also has another account linked to it a savings also ...two seperate numbers  and accounts but one card ,, does that make sense?

 

We too have seperate bank accounts. But if we run short we just give a holler. Not that it has happened for a long while. I just didn't like the idea of everything in together, cause I know what I am like with money. In this hand, out that hand. I am hopeless.

Leisa

Hi there, My husband and I have seperate accounts, we always have . Just the streak of independance I suppose. Hehehe

Hi, at the moment my husband and i just one account, because there is no use in having two seeings we dont get spare money. BUT, when we do however earn enough we will have a system, one account for bills, one account for him and one account for savings. . When opening an account always shop for the best deal, lowest fees etc. hope that helps xxx