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

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[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.

Our expenses ended up being relatively equal as far as monthly is concerned, 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]

Same here. We each have a checking account for our income direct deposit and split up the auto-pays in a somewhat equitable way. Daycare out of mine, mortgage out of DH checking acct, etc. Each pay our own credit cards. We have 529s, savings, retirement etc mostly in separate accounts.

With big ticket purchases (new cars, home renovation, vacations) we have generally been on the same page. We don't really focus on who has spent more or less from their account. More like is there enough $ there or should we move some around.

That said, I view it all as "our" money because we are spending the great bulk of our income on joint expenses (daycare for two kids, house, cars etc). Agree with PPs that having a similar view on finances and level of spending (we both save a lot) makes all this much easier.[/quote]

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