Do you and your spouse share finances such as a bank account, credit accounts etc? If not, why not? If so, why?

We share some and have some separate. We each have a private checking account and private savings account, and then we share one checking account. That way, when we need to pay shared bills (rent, cable, electric, grocery), we put our halves into shared checking, and then one of us (usually me, because I'm better about remembering due dates) pays the bill out of joint checkin.

We decided this was far, far easier than one person paying and the other person reimbursing them for their half. We also don't have to tally grocery receipts this way. I like having my own account as well, and I think we'll always keep that system.

I budget very carefully, and am sort of a control freak about my own money, so I want to know exactly how much is in there without worrying some might be gone unexpectedly. We also both have our private bills (I have student loans, for instance) that we need to pay, and we don't ask each other to worry about our own private stuff. I like our system.It's fair, it's easy, it's manageable and I think about money and bills way, way less than I used to.

Yes, we do. When we first got married we agreed to share all our income equally, so that I would have access (and my own bank card) to my husband’s bank account and he would have access to mine. Now we only have one joint bank account and there are no questions asked on any spending.

We do not believe in separate accounts or division of earnings. Whatever either of us earns is fully available to the other person and we are both responsible for bill paying. We have enough respect and trust for each other to feel comfortable with this arrangement and no other manner of managing finances would work better for us personally.

I think the main factor that plays a role in sharing your finances like bank accounts etc is mainly if your partner is your first steady relationship (like marriage or living together). I see that all the time, but of course there are exceptions. The majority of first marriages usually shares their finances.

Once the person marries/lives together again with another person they have a different view of how they want to share their finances with their partner and I can see why it changes..it's understandable. They feel more comfortable being their own person separate from their partner financial wise. Of course, there are also exceptions to this as well.

We started sharing before we even really got serious as he.. handles money badly he just sort of started putting it in my account and having me handle his money. He's on the account now too as we are married but.. he still leaves it alone. He has me pay everything and asks me what he has left to "play with" so.. it's sort of like just my account.

I'm still the primary.

Ummmmm no. I feel like the odd man out. LOL He is not exactly responsible with money and if we put all the money in one account it would be gone before I could blink.So, anything I make is extra money and put into an extra account.

Don't get me wrong he is a good guy and the bills are always paid but we never have anything saved because as soon as he makes it he spends it. So we came up with this solution. :).

We do share a bank account with a bank in Limassol, Cyprus, owned by Tetrabourse. It is a compound interest account that we both have full access to, and we both stack our savings into it. First of all, we trust eachother, we don't think that we will either divorce in the near future or get into an argument bad enough to cause one of us to consider doing something with the account as an act of anger.

If this was a question you were asking personally, because you are considering sharing an account with your spouse, I'd just recommend looking at your marital condition. Enjoy!

Back when I was living with my hubby, we had a joint checking and savings account that was used for everything joint and both of our paychecks were directly deposited into it: bills, mortgage, groceries, gifts for each other, etc. I then had a separate Paypal and checking account. Mainly because I do freelance writing and the was where my payments from my extra work would go there and my "allowance". He would take his "allowance" in cash because that was what he wanted to do.

Trust was not a problem and we both felt comfortable doing it that way.

My husband and I share everything. That is our idea of what it means to be married. In our view, couples who keep separate checkbooks and negotiate who will pay for what are more like roommates than a married couple.

Trivia: In California all this stuff is legally considered "community property", the marriage being the community. Here, even if you don't know you share everything, legally you do. People often don't find this out until after they are divorced and creditors are calling them regarding the debt their spouse racked up while they were married.

I went through the training to work for a collection agency, is how I know this.

Yes we share our personal accounts because we're married. She is on my business accounts in case of emergency but she does not use it for her personal expenditures.

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