Reply to Yours, Mine, and Ours finances-- how does it work in your house?

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[quote=Anonymous][quote=Anonymous][quote=Anonymous]We may be oddities here but we don't really have major discussions about finances. We have 100% separate finances - banking, credit cards, savings, etc. and never thought to merge. It's just easier this way. I have my privacy in spending and DH has his.

I (wife) pay nanny/childcare costs, sports fees, music, academics, and most kids activities. I save for the kids 529s and pay vacations. We never discussed why but it naturally evolved because I do the scheduling.

DH pays for mortgage (though house is in both names), auto insurance, and cable/internet. Family insurance taken from DH's pay check.

We'll pay for groceries as each one goes.

[b]Our expenses ended up being relatively equal as far as monthly is concerned,[/b] though because I'm the greater earner I put more into savings accounts. Neither one of us is a huge spender.

This has never been an issue and we've never fought about money. [/quote]

Obviously, you have compared. What would you do if somehow one person paying x2 or x3 more? How would you handle that? [/quote]

I do pay 2x or 3x more than DH and I'm not bothered. The baseline monthly payments is not really that big a deal but I pay for nearly $100K more in savings plus all home renovations/housing needs, and whatever big vacations we opt to take. It's not an issue. At the end of the day, we have the same goals and retirement needs so we don't nitpick. I am self employed, though, so my salary will fluctuate more which makes the larger expenses more easily paid on my end. [/quote]

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