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Re: Joint accounts

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Both our salaries go into the joint account, out of which all household

expenses, all expenditure on Tim (except if I think I'm being a bit

extravagant...), all food, petrol, car maintenance (except the kit car,

that's a hobby not a joint thing), all trips out together, all holidays

(huh, we usually have to raid the savings for those) come. We have standing

orders to pay " fun money " into each of our personal accounts. When we both

worked fulltime and I brought home about 50% more, we had the same amount

each. Now I earn about 2/3 of DH I allow myself 2/3 the fun money. Out of

this come hobby expenditure, trips out without each other, and presents (for

each other and other people, except my immediate family which is joint

acct - it's tricky because i have far more family and friends than DH but he

reckons that my close family birthdays are joint things)

Anneliese and Toddler Tim

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Gosh Anneliese,

> Both our salaries go into the joint account, out of which all household

> expenses, all expenditure on Tim

You are well sorted, does make sense then all the money starts as " our "

money and gets split accordingly.

.. We have standing

> orders to pay " fun money " into each of our personal accounts. When we

both

> worked fulltime and I brought home about 50% more, we had the same amount

> each. Now I earn about 2/3 of DH I allow myself 2/3 the fun money.

This bit doesn't seem that fare though, at first glance you'd think you

should still have the same, however if you don't need it and you are happy

that's OK.

Saying this we do things the other way round and DH has 3 times more

spending money than me. I worked out how much I would need a month for such

things as endowment, petrol, toddlers etc. I also get the child benefit, so

I buy DS's shoes and little toys, crayons that sort of thing. DH has just

had a salary raise so he gave me one too. Also he puts a small amount into

DS's savings each month.

DH uses alot of his money on the DIY as our house needs a complete overhaul.

I think he likes to think he is in control of " his " money and he will give

me extra cash if I need it, however it is me who arranges all the bill stuff

and I keep a Quicken account database of our spending from our joint account

and my personal account, and let him know of the requirements.

It took a couple of years of marriage and the realisation that I won't be

going back to work in the near future to get him to surrender his savings

into MY name therefore omitting the tax required on the interest.

- who must think on finishing her book-keeping course (started Sept

1999! roll on pre-school)

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Gosh Anneliese,

> Both our salaries go into the joint account, out of which all household

> expenses, all expenditure on Tim

You are well sorted, does make sense then all the money starts as " our "

money and gets split accordingly.

.. We have standing

> orders to pay " fun money " into each of our personal accounts. When we

both

> worked fulltime and I brought home about 50% more, we had the same amount

> each. Now I earn about 2/3 of DH I allow myself 2/3 the fun money.

This bit doesn't seem that fare though, at first glance you'd think you

should still have the same, however if you don't need it and you are happy

that's OK.

Saying this we do things the other way round and DH has 3 times more

spending money than me. I worked out how much I would need a month for such

things as endowment, petrol, toddlers etc. I also get the child benefit, so

I buy DS's shoes and little toys, crayons that sort of thing. DH has just

had a salary raise so he gave me one too. Also he puts a small amount into

DS's savings each month.

DH uses alot of his money on the DIY as our house needs a complete overhaul.

I think he likes to think he is in control of " his " money and he will give

me extra cash if I need it, however it is me who arranges all the bill stuff

and I keep a Quicken account database of our spending from our joint account

and my personal account, and let him know of the requirements.

It took a couple of years of marriage and the realisation that I won't be

going back to work in the near future to get him to surrender his savings

into MY name therefore omitting the tax required on the interest.

- who must think on finishing her book-keeping course (started Sept

1999! roll on pre-school)

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