Are you married or just in a relationship? Once you are married I can't see any point in treating money separately once you are married.
Married and very happily so.
We aren't like "what I earn't is mine and you cant have any" like some people seem to be. If she needs a grand for something then she can have it. I won't expect it back and it works both ways.
Our money is seperate in that it goes into our own accounts. If I want something for myself then I buy it from my money. If she wants something for herself then it comes out of hers. Apart from that we both pay for everything.
Its made easier since we earn nearly the same. When the time comes that that changes obviously the way we deal with money will change with it. At this time however I see no point in us doing anything differently
Its not like we split everything 50/50. As I said, the bathroom cost us 2.5k, I paid 2k of it and she paid 500. Doesn't bother me in the slightest. Its our bathroom and I happened to have more money sitting in an account than she did.
Having our own money in our own accounts just means we can buy what we want for ourselves without thinking about it. Rather than having to work out if "we" can afford it.
I think I'd feel bad buying stuff from the joint account if she then wasn't buying herself something all the time we are earning about the same. Like I was spending money on myself and she wasn't on herself. Obviously once one of us is earning 20+% more than the other that changes.
And as I said, I help pay for her car when it needs fixing, i generally pay for any meals out for us both.
We just have the freedom to blow whatever we want on whatever we want whenever we want.
At some point that will obviously change. If we had just one account that everything was in I wouldn't dream of dropping a grand on a new PC without checking that it was ok first. Same as she wouldn't go and blow £500 on some jewellery without checking that we were able to afford it.
Maybe its just the way I'm looking at it.
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