Me and my husband opted to keep out money separate but we do still spend money on each other and help each other out. Some people will also make another account specifically for bills that you both put into and keep your personal accounts for what you wanna do with your money
Keep a separate one each, but have another thats joined… I wouldn’t join anything with anyone
It doesn’t matter after you are married all income is communal. Meaning what you and he make are both yours and his.
We do. We are married and a team. So my views are we do this together. Not keeping tabs.
1 Like
Definitely wait until you are married. If you do choose to merge accounts, set aside a “secret” bank account he won’t know about, and set some money aside for yourself, and add to it when you get your paychecks. Better to be prepared, than not.
2 Likes
Keep you currant account and get one together.
If y’all aren’t married don’t do it. Just split everything down the middle
1 Like
It all depends on the dynamic of your relationship. A lot of people have been burned by their (ex)spouses so they have zero trust when it comes to money and that’s okay and they will die on the hill that no one will ever control 100% of their funds; again, that’s okay if that mentality works for you. Once you’ve been burned and left with nothing, I understand it’s hard to trust again. I hate dealing with finances; so I let my husband do it. All our accounts are joint accounts incase something happens to one of us. I have all the passwords and login information for all our accounts and credit cards. He makes sure the bills are paid and that I always have money or a credit card whenever I leave the house. We discuss purchases over a set limit; anything under that limit is fair game. I don’t feel it’s necessary to have a “secret” account because whatever I need he makes sure I have. He encourages me to spend money on myself, and always makes sure I have enough for groceries, etc. When we were both working, before I became a SAHM, all our money went into the same account because we were married and we created the bills together. It didn’t matter if $100 out of my check paid the phone bill, and $1500 out of his paid the mortgage. Our house, our bills, our money. You’ll find a system that works for you and then stick to it.
My husband and I have separate accounts however I have full online access to his to pay bills etc. and that was the case prior to our marriage.
Don’t do it if you’re not married. It will be a whole lot harder to separate of things go south with your relationship.
2 Likes
What we do is have a joint account for house bills, emergency savings. But we have separate accounts for our individual bills and our everyday spending.
I’ve been married over 30 years and my spouse and I have a joined bank account but we also have our own accounts. When you marry you hope for a blissful life but I think you should always be prepared for an emergency. Definitely don’t merge before your married and I personally would wait for a year after marriage before doing so
1 Like
Not if you don’t want to. It should be a mutual understanding. My mom always told me not to do it and so I have my own bank account.
My husband and I have been married for 9 months and we have only begun to talk about getting a joint account
I’ve usually kept a separate account. I have enough trouble keeping my checking account straight with just me using it.
1 Like
You should be aware that some banks will not allow you to close a joint account without both people there, which means that your partner could clear out or overdraft the account and you’d be responsible…
Create conversion. We each have a separate, but we also have a joint account. We love it this way. Someone mentioned this, mine was originally a secret account, but I let him know when I realized I wanted more money quicker. 
We pay for vacations with our seperate accounts and for joint groceries, rent, blah with the joint account
1 Like
25 years in …. We both went head first all in! 2 become one in a marriage. I understand the reality of life … however if you are going to make the commitment…. You need to look forward completely!
5 Likes
I’ve been with my husband for twelve years and we have almost always had a joint account. I’d add him to mine after. We have been married for almost 8 years and still have a joint account. Communication is important especially with finances.
I’d say if you want a joint get a joint but keep your check going in your personal account. Say it’s because you want personal accounts to buy each other gifts with if you’re uncomfortable. My fiancé and I got a joint account before being engaged but he has his own checking and I have my own checking and savings.
We’ve been married for 43 years, we always have joint account. He makes more money than I do. He have his card and I have mine. Both are careful on our spending. If he want to go shopping, besides food, he asked me first if we have money in the bank to cover it.
2 Likes
No. If something happens… if you put more in then he does… in a divorce it’s split down the middle.
I always have my own they have their own then a joint for bills only that the bills come out of. So we know bills are paid.
If its your first marriage absolutely go all in, if you think about seperate finances you are not going to last, you are not going to work together through the tough times. And most likely there will be some.
1 Like
When I got married I never cashed a pay ck I gave it to my wife and she always handled our money in joint account and when I was in management my ck was direct deposit I never ask my wife to show me a balance on ck or savings we have had a great life that’s is called ture love and trust…
4 Likes
I’ve been married for 40yrs. I have my account and my husband has his…
I pay all utilities plus my credit cards and groceries…he pays for car payments , car /life/ house insurances and some on groceries plus any car repairs…then we split on any other things like vacation
Keep one thing in mind…if either of you don’t have a signature to access the account and one of u die you would have to get a court order to get access
My wife have everything we buy put in both names so it reads on title or deed jake or mary…that way when one dies u he othe can take over or sale anything from house boat car.etc.no probate no courts and it saves on taxes after death…think about it…trust
Nope. Not even a little bit.
But sharing expenses and bills etc, yes.
Having quick access and ability to send each other money? Yes (like using zelle with chase)!
But blending the money and accounts together with no differentiation? It’s a no for me.
1 Like
My husband and I Always had a joint, his and mine. Now we did make certain on our individual accounts that we were beneficiaries in the event of
We have separate accounts and one account joint for household items and gas money
1 Like
Have a joint and 2 separate ones
I have my own account so does he I’ll never get a joint acct again my first husband and then my X BF both screwed that all up
I have my bank account my wife has hers and we have a 3rd joint account where we both deposit for vacations with the kids and Stuff like that
2 Likes
NOPE, far too dangerous imo
1 Like
I used to think so but life has taught me to keep separate accounts and open a joint account to pay bills and household expenses!
3 Likes
It depends on the kind of man you marry, and on the kind of spender you are. Do you trust him? Does he trust you? For us, my spouse gives me all his salary (after deducting his $200 monthly allowance). We have 2 joint accounts together where we both put in cash, doesn’t matter if he or I put in more cash sometimes. I also have my own bank account where I deposit cash proceeds from my business where he don’t have access. Works for us. I’m a very good financial manager so he is comfortable with it. Maybe my spouse is just selfless, he lets me manage all the money and he doesn’t spend anything without letting me know. Is your man willing to do the same? If yes, then you are awesome and he is lucky! 
2 Likes
We have a joint and a savings and we talk about bills to pay and when we are going to buy something or need stuff so we can budget we trust each other and both have access we talk about everything and make plans for everything 
You’re not married, doesn’t sound like you’re engaged, why would you do that?
1 Like
Open one acct that you are both on and call it the house acct. Both can contribute to it and pay the house bills out of it. Keep your own personal accts separate. Its what my husband and I did and it worked out perfect for us.
3 Likes
We have a joint account. Also you may want to consider that if something happens to you or your partner , you still have access to funds allowing you to live and pay bills. A separate account could be tied up in litigation for months especially if there is no will. Just something to consider.
2 Likes
Keep separate accounts and a joint for household expenses. But don’t hide what you have in your account. Same goes for your partner
2 Likes
My ex husband and I had joint accounts if I ever did it again I would keep separate accounts and just work on who pays what
2 Likes
not all, leave some separate for each of you, agree on the amount and what should be shared
So great you are discussing this, talk about everything before becoming engaged! Money, kids, religion, goal, dreams etc.
5 Likes
We have a joint account for the house bills and rent. It’s split 50 50
All other money is our own 
We have joint accounts after being partners for years and partner has 1 account in his name
If you’re a newbie in crypto, reach out to Mrs Elizabeth Selezneve (Certified Expert) on Facebook
now if you want to acquire knowledge on how you could be generating alternative income consistently from crypto… She’s the best you could imagine when it comes to analysing and diversifying of digital assets such as ₿ITCOIN.
Separate accounts work well.
Have a merged acct for shared bills and separate ones as well. As a woman I will never, ever not have a separate acct
2 Likes
Def keep your separate accounts. Just open a 3rd one together where you can both deposit money into for bills and savings etc
2 Likes
My husband and I have a joint account, we started that right before we got married as it only made sense for us. Rather than transferred money back and forward for everything we felt we were contributing to one household and we’re responsible for all the things associated. We now have 2 kids together, we’ve changed jobs and all the above and we still have just 1 account, all the monies made go into one account, it’s our home, our kids, our money. For us it just made most sense, but that’s a personal decision for you all, not sure what kinds of Debts you each bring and how you want to handle those along the way. I have some friends who have a “bills” account that their divided bills they put money into that acct to pay the bills and keep what left for themselves. That all just seems like too much work for me lol
2 Likes
There are advantages to both. I personally feel best with a separate account. Just because you’re married doesn’t mean you need to merge.
1 Like
We have a joint account.
I have a separate savings account for myself. For (mad money) lbvs
1 Like
Experts say two shared accounts, one for house, bills, mouthy shared expenses. The second shared is more like a savings for vacation or large shared purchases that are more luxury (if applicable). Then both of you should have your own accounts as well for your expenses and/ or savings. If you do decide to join accounts. I honestly won’t ever do a joint account again though. Bad experience both times for me.
Have one together for house , bills ect. but always have ur separate accounts too.
1 Like
No do not joint your money togethe . Have bills accounts to get the but keep your only save and money to your self .
No, he might bail and take your $$$ too
It depends how you are with money, if you’re both good at managing money and you have a solid relationship, do some research.
Same account for both my wife and I. So much easier to do too!
Just open a 3rd joint account for household/ children expenses
1 Like
My partner and I (not married) have two shared accounts, our normal account and our savings account.
Depends on how much you trust him. I trust my husband to manage all finance. My name is on all the accounts and I hold all the debit card. We never argue over money or who spends what. Again, based on trust
We have a joint account and then I have a venmo because I get paid “cash” and that’s the only way my boss pays us. I look at what if scenarios. What if something were to happen to my husband and I wasn’t on the bank account to access the money needed for me and our kids
If it aint broke don’t fix it
It really just up to you, I would personally never ever do that cause my money is my money, I’m all for sharing and spending on my S/O but god forbid something happens on their side that draws unexpected money out of the account, I don’t ever want my finances messed with by anyone other than me, there’s no reason to merge in my opinion, I quite honestly just do not see the point
1 Like
Couples should have 4 accounts, joint checking for joint bills, joint savings that requires both signatures to do anything with.
He has his own, she has her own.
Best decision my wife and I made.
1 Like
Absolutely there is no longer you or me in your vocabulary. It’s now us. We agree that if it’s over $500 to buy we discuss, under $500 go for it. Works well
For 40 years we’ve kept separate accounts, with each having our names on both accounts, but not using the others account unless we agree. I could never keep an account balanced with two people drawing off of it. We each are responsible for assigned bills. I buy groceries, clothes, eating out etc… he is responsible for house, utilities, insurance, etc… If I’m running short he contributes, if he runs short I contributes. Credit rating is > than 800.
1 Like
I’ve been with my husband for 12 years.
We have lived together for 11.5 years and have officially been married for 1 year lol.
I have also not worked for about 10.5-11 of those years if it matters.
We have had a joint account for over 11 years.
We have NO separate accounts and all money goes into that one joint account. We discuss all big purchases like a tv or something. Actually my husband usually asks me what we can and cannot afford since he wouldn’t even know what’s in the account on a typical day.
I manage all finances and do the physical paying of all the bills.
we trust each other and haven’t found a need for separate accounts.
All money coming into the house is BOTH of ours.
We don’t do his money Vs her money. It’s ours.
Wait until you’re married
Do not do it! Nothing good comes from this! Idk anyone who was happy with it. Everyone I know regrets it. And if you ever get divorced its not fun trying to separate the account. This really isn’t even something to discuss until you are married. This is the wrist idea anyone could have with just a boyfriend or even fiance. Even marriage. I’m highly against joint accounts.
Joint checking account for bills. Joint emergency savings. And then our own checking and savings. We’ve been doing it this way since we got engaged almost 9 years ago. (Now married for 7)
2 Likes
Keep your own account as well