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

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[quote=Anonymous]We primarily share but have separate personal spending accounts.  This is how we work it:
We both max our own retirement vehicles pre-tax and then have all our paychecks direct deposited in one shared account out of which all bills are paid--this is used for groceries and kid/household spending too.  We also have shared cc (two cards, same bill) for this.  We also withdraw out of the beginning of this each month funds for shared saving projects, emergency fund build-up as needed, college savings, vacation savings etc. in either savings or investment accounts.

At the end of the month, whatever is left we split in half and dump into our personal checking accounts for whatever we want.  This is where we get our personal grooming, clothes shopping, gifts (this helps keeps gifts private and makes them feel more real as we're spending 'our own' money on them) eating out (which we can treat each other as we like which is kind of nice because 'my treat' actually means  something), hobbies. We each have our own cc that is billed to this account.  Neither of us ever carry a cc balance, even on our own funds.   I think this is good to avoid money arguments too because I can "top-off" a shared project in a way I like (e.g.an extra splurge only I want on a shared remodeling project might come from my savings rather than joint)  and DH can enjoy what I think are ridiculous expensive hobbies without my judgment impacting his decision.[/quote]

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