Good read that. Anyone on here have one with their other half? I think to avoid issues it's best to not do. Split outgoings from your own accounts. Someone might be a saver and the other person a spender, which can cause issues if the spender treats themselves too often.
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Good read that. Anyone on here have one with their other half? I think to avoid issues it's best to not do. Split outgoings from your own accounts. Someone might be a saver and the other person a spender, which can cause issues if the spender treats themselves too often.
I see no issue with having joint bank accounts, but I think it's sensible for each person to also have their own account(s) which all their income is paid into.
Then each person just pays an agreed amount into the joint bank account for joint bills, etc.
I think it can be a bit of a generational thing, though. For example, when my parents got married they opened a joint bank account and used that for everything. So both their salaries were paid into it and all the bills came out of it. I get it works for some couples, but it just feels a bit risky if you split because then one person can drain the whole account and move it to one of their own.
Then each person just pays an agreed amount into the joint bank account for joint bills, etc.
I think it can be a bit of a generational thing, though. For example, when my parents got married they opened a joint bank account and used that for everything. So both their salaries were paid into it and all the bills came out of it. I get it works for some couples, but it just feels a bit risky if you split because then one person can drain the whole account and move it to one of their own.
I have a separate account from my partner. I just pay him every month for bills etc because our home was originally his. I would consider having a joint account but ONLY for mortgage bills etc. I don’t really ever want to give someone the right to my salary
How do joint account couples get on at Christmas and birthdays, whenever you pay by card they can see beforehand exactly where you've bought from and the amount 
hope they don't like surprises. Absolutely need your own personal one too, and the joint one only for bills
hope they don't like surprises. Absolutely need your own personal one too, and the joint one only for bills
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Me and my husband have a joint account - both salaries go into it so it’s one big pot - I can’t imagine it any other way, especially with having the kids. We each have our own individual credit cards for emergencies and Christmas birthday/presents.
Works for us but I know separate accounts work just as well for others too.
Works for us but I know separate accounts work just as well for others too.
This is what we do, it's perfect.
We do this too and take an amount for ‘pocket money’ (things we want/work lunches/bday presents etc.)
We have two children and it’s just easier. My best friend has never had one with her partner and they have two kids as well and it causes so many problems “I spent £6 on the kids so you now owe me £3”
We don’t have a joint account and never will. We have vastly different salaries and outgoings as well as very different attitudes as to what constitutes justifiable spending.
Surely if you can't trust your other half enough to have a joint account with them, that's a bad sign?!
We've had a joint account since just before we got married and I can't imagine it any other way... I was a SAHM for a few years so didn't have any income anyway. It's not mine and his, it's ours. We bank with Starling and have a 'bills' space that all our bills go out of and then the rest of the money in the main account.
We've had a joint account since just before we got married and I can't imagine it any other way... I was a SAHM for a few years so didn't have any income anyway. It's not mine and his, it's ours. We bank with Starling and have a 'bills' space that all our bills go out of and then the rest of the money in the main account.
All our finances are completely joint but we have been together since we were teenagers so both came into the relationship with ‘nothing’ and we’ve built our life together.
If I had to start all over again I would be much more cautious about splitting my finances as it’s taken years to get to my salary level etc.
Hope that makes sense.
If I had to start all over again I would be much more cautious about splitting my finances as it’s taken years to get to my salary level etc.
Hope that makes sense.
We don't have a joint account and just pay for roughly equivalent stuff out of our accounts. We don't keep strict track or tot up though, just sort of assume it's coming out in the wash, we've both got similar salaries and savings.
My mum had all of her money stolen by an ex who cleared out their joint account and ran.
Also not got kids - I think it's different for women on maternity leave or stay at home mums.
My mum had all of her money stolen by an ex who cleared out their joint account and ran.
Also not got kids - I think it's different for women on maternity leave or stay at home mums.