Reply to merging money when you become a family

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[quote=Anonymous]We've maintained separate accounts from the time we moved in together, through marriage, through having a child in daycare. DH is responsible for fixed expenses like rent, the car payment, insurance, phones, gym membership, etc. I pay all the utilities, groceries, and discretionary stuff like kids clothes and activities, medical bills, etc.. It's never seemed unfair or complicated to me. It's still "OUR money" and we rarely discuss who is responsible for what because we review budgets together and have savings goals. We opened a joint account when we got married but never got around to changing EFTs and direct deposits. We realized we were happy the way things were and stayed the course. Now the joint account is where we deposit the money our DC's received as gifts. If/when I SAH I'm sure we'll have to change but for now it works for us!

A few years ago I participated in the research for this article on how couples manage their finances. It's a really great read and offers a lot of different perspectives:

[url]http://www.slate.com/articles/life/home_economics/2011/01/our_newlywed_money_dilemma.html[/url][/quote]

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