How do you and OH handle money?

We have one small joint saving account. Everything else is separate. I'm not even certain exactly how much my H earns. or how much he pays for essentials (child support/mortgage etc).

He only knows how much I earn because it is a nice round number and hasn't changes for two years!

Holidays/treats etc are either split 50/50 or come out of the savings fund.

It works for us. (But we have slightly strange living arrangements anyway!)

We dont have a joint account yet. Will prob set one up when we get married.

Finances wise, I pay the mortgage and bills and OH transfers me his half of that. We each save a certain amount each month, his is the house fund for those little things that crop up, mine for big things (boiler first then wedding).We each have an allowance for the month of our own money that we can spend however we want. After that theres nothing left. So I suppose if we are out for a meal we do each pay 50/50 unless one has taken the other out for a special occasion or whatever. Just works best for us this way at the mo.

We get paid into our personal accounts but also have a joint account that we set up when we moved in together. We started both contributing the same amount each month to cover rent, bills and food. We also buy housey stuff or things for the garden with this. OH now pays a little bit more in than I do as he earns half as much again as I do but he also treats me much more - as in he pays for meals out or cinema etc so the fact it's not an even percentage kinda works out for that reason.

We have never been a 50/50 couple for luxuries in that we never kept count. Many years ago I earnt more than him (as a student) and I used to buy his train tickets to come and see me but I never felt this was unfair. I just had more than him at the time.

It did cross my mind and I mentioned it to OH recently that when we get married maybe we should transfer more into our joint account and leave ourselves 'spending' money in our accounts as more and more of our purchases are joint nowadays and it makes a bit more sense.

We also both have separate savings, mostly because it's just how it's always been but we have joint savings for the wedding. Again OH has much more than me due to nice annual bonus' and some shares he has but he always refers to them as ours which makes my heart burst a bit when he says it because it's a lot of money and I find it so generous of him to think like that.

Friends of mine only have one account that everything gets paid in and out of which I must admit I find a bit weird. I'm useless with money and buy more clothes and girlie stuff than OH does and if we did that I don't think I would relax because I would always wonder if I had spent more than I earn't and was frittering his cash on mascara and nail varnish!

I struggled for a long time feeling that I wasn't paying my share and often wondered how my Mum feels as she has been a SAHM since she had me so has always just had my Dad's money. She reminded me that bringing up us was her job! As time has gone on I've come to terms with the gap in our salaries and accepted that OH is happy to share his things with me as I would do the same if it was the other way round. Now I'm just proud of him and how hard he works and feel lucky that he is such a generous person.

I hate people that count pennies on a meal out. My friends and I are always a split the bill however many ways type group and if someone starts adding up their share it really grates on me!

We don't have any joint accounts, and I don't have any plans to either. We each pay certain bills, which work out around the same amount each month. After that it's up to us what we do with our money.

Things like meals out / take away we usually just take turn about to pay for (loosely). All pretty casual but works out fine for us! With the wedding we've just got different things we are paying for each, not sure if they work out the same or not! Big things like holidays he usually pays, since he's got more lump sum money, whist in the run up I'll get our spending money, insurance etc. Usually ends up him paying more though!

OH works while I'm a SAHM. As a result, the only money I have coming in is for the children. He pays all the household bills, mortgage etc and anything big that needs doing is down to him. I buy the food shopping and put fuel in the car and organise all the finances for both of us. However, if ever I run short, he tops me up! Going out is always his to pay for, simply because he has more income than me but 8f its his birthday etc.., I save up some pennies and pay. We have this theory that once my degree is done and I am the one working, we'll swap and it will even out eventually lol

This is pretty much what we do, except that my H2B earns a fair bit more than me, so if we go out for a meal or get a takeaway the understanding is usually that he pays as I wouldn't be able to afford to do those things for myself. But everything like bills and rent we split and I transfer the money to him. We've never discussed the idea of a joint account and we have nothing extra to save, so it works fine the way it is.

We have a joint current account here in Denmark and mortgage, bills, meals out get paid out of that. We also have a joint savings account too which is looking quite healthy at the moment, thanks to H getting a couple of new clients recently. So we manage our day to day as one economy, but I also have a separate UK account and credit card.

We get paid into our separate accounts, a percentage of each salary goes into our joint account which is all household bills, food, fuel, cat expenses etc etc. We both put a certain amount into a joint savings account currently wedding/honeymoon fund.

I then save a small amount of my own salary, and whats left is my own. He also does the same however, it doesn't matter whose account it is in it's all our money, it just so happens its stored in various places. He does tend to pay for meals out but its usually because he's much quicker at finding his wallet than I am at digging through my handbag.

I think we're pretty ordinary. We both get paid into our own accounts, then transfer into a joint account which all our household bills gets paid from. Mortgage, council tax, gas, electric etc.

We both have our own savings accounts, and we have another joint savings account which we both pay into which will one day be enough to pay off the mortgage completely (I stress one day!!!)

I was very lucky when it came to the wedding as H paid for it all, apart from £1k which my parents gave us.

We both have our own accounts a joint account and I have a savings account. Because I already had my own house I still pay all the bills mortgage sky, broadband and everything else. He then puts half of the total bill into our joint account that's our luxury money, right now wedding money. It wasn't until recently I was speaking to a friend her partner refuses to pay anything for her children because their not his. I brought this up but my partner he's in the mind set he knew I had kids so that makes them his responsibility too. I don't know if that's because he's my brothers friend and known them from birth. Oh we pay for our own cars and things like that.

We both work. Both have our own bills but if one of us over spends the other will help out. We are very equal and see our money as being equal too. He earns more than I do but I don't expect him to pay any more. As for meals out again one of us just pays, no discussions about it. We don't really keep track to be honest. ?

We are exactly the same. We also buy all shopping on a credit card and then split the bill every month. If we go out for dinner, we'll put that on the credit card too and do the same.

We have separate savings though. I wouldn't feel comfortable having a joint savings account as I'd hardly ever make a contribution to it!

We both get paid into a joint account and pay all the bills from there. We do *have* separate accounts but don't really use them, they're just there for emergency money. We also have separate ISAs but that's because you can't have joint, plus a joint savings account.

We earned the same amount before having children, but I now work part-time so earn less but it evens out because we're not paying for childcare on the days I don't work.

TBH it didn't change much after we got married or even after we had children. We set the joint account up when we moved in together, but even before that we were never really a 'split the bill' kind of couple, it didn't matter who was paying for what as we generally slid into seeing things as joint anyway.

We don't have the money to buy each other big birthday presents or anything so it doesn't matter that gifts come out of joint money.

It works for us ?

We've got a joint account that all the bills come out of and we (now) pay equally into that. We pay a bit more to give us a bit extra for any house bits we need (like a shed recently!).

Any bills that ours and ours alone we each pay out of our own accounts, like mobiles and in my case contact lenses. He also pays for anything to do with his van out of his own account.

I think our set up is fairly similar to most people's now. i don't like the idea of not having my 'own' money.

In the past my salary was way more than his wages so i used to pay more for things. I didn't mind, i just saw it as looking after us as a couple. Now it's evened up it's nice because we both have a similar amount of disposable income so we can do more things rather me having to pay. If we go out for dinner one or the other of us pays, we don't split it just loosely take it in turns.

We each have our own accounts and joint acocunts for savings and bills. We transfer X amount into the joint bills account after payday and our rent and all bills come out of that. Food shopping we then split, usually 50/50 but if either of us has any unecessary extras that person will pay extra for those. OH will occasionally pay for things and likewise I will sometimes too.

It works for us at the moment but when we eventually have children obviously things will have to change!

We have done things the same way since we moved in together.

H pays the mortgage and council tax, I put money into a savings account for us. We get paid into our own accounts and transfer roughly the same amount into our koint account which pays for household bills such as internet, water, gas etc. It also pays for food, petrol and day to day living.

Anything personal, hair cuts, clothes nights out separately, will get paid for by us with our 'leftover' money. Personal bills such as my phone bill or his maintenance payments come from our own personal accounts. When we go out together, more often than not, H pays (he earns pretty much double what I do!) but sometimes I will buy some drinks etc or we use our joint account for smaller meals, like lunches when shopping.

This way we have our own money, and we have joint money. Works for us.

We both get paid into our individual accounts, both put a set amount each month into our joint account which covers mortgage, bills, food shopping, eating out and pet expenses. What we have left in our own accounts is ours to pay phone bills, petrol etc and to do what we want with.

We are splitting the wedding 50/50, each paying for half of each thing as it comes up, or if I have paid for something then OH pays for the next thing. We both earn pretty much the same though.

We're quite different to most when it comes to our finances - OH gets paid direct to the joint account, I have a separate account that I get paid into, but then I transfer all my money (Except a bit for phone bills which both come out of my account) and then everything we spend is from the joint account. We also have 2 joint savings accounts, OH doesn't have his own current account but has a credit card.

It's a bit odd, but works for us! OH was in a very large amount of debt back home, and so when he moved to the UK I took charge of the finances, and now we're just used to it and it seems to work! Neither of us feel guilty if we go out and spend or buy something, it's just our money to spend how we want! (Except this month, as we're hoping to exchange and complete on a new house, and need to save every penny we can as we'll be having two houses to run for a month!)

We have a joint account that we use for all household bills, into which we each transfer a set amount each month. This tends to build up so we may use it for holidays, if there is enough spare (if not, one of us pays and the other transfers direct).

Everything else is separate. I have no idea how many (or how few) bank accounts he has, I have no idea how much he has in savings (or not). I have said before: he could be penniless or a millionaire, I really don't know. He seems to find this amusing, until I remind that I may find out one day anyway....

When it comes to dinners/etc, we just pay whatever whenever. We both have enough disposable income to cover the other not working, so arguing about whose turn it is to pay for the takeaway is pointless. To be honest, I tend to pick up these types of expense, while he periodically purchases big TVs.

We both have our own accounts and savings accounts, and we have a joint account for bills and stuff too. Tbh, since we've been married we both work on the principal that money is ours together rather than individual, so we'd never stress over who paid for a meal out or a new kitchen gadget. We both have pretty similar attitudes to spending though, if one of us was rubbish with money we'd possibly have to change things up.

It's interesting - most people seem to be of one school or the other. I really hate money, I hate thinking about it or worrying about it and it stresses me to think that someone else might be worrying over it (for example, a meal out with friends, when you know half the people on the table are likely to just throw their card in and expect it to be evenly split while someone else is not in a good place financially and hasn't had a starter or shared any of the wine because of it) so I'm please me and OH both have the same attitude towards money and it's as easy as it is.

Ha!

No idea. I did suggest that it might be prudent for us to make some kind of master sheet each, with bank details/passwords/etc on it but we haven't got round to it yet. We both have a filing cabinet drawer for individual finances so hope most of his info is there....

Footlong, can I suggest you leave that kind of information with a solicitor or your bank rather than in a filing cabinet at home! God forbid, you go to all that effort and then get burgled ?

Ha, we did discuss a coded system.

We are pretty much 50/50 on it all. The bills & rent come out of a joint account, of which we both pay equally into each month, we have our separate accounts for salaries, and a credit card we use every month for socialising/meals out etc, which we just split 50/50 at the end of the month. We have a joint savings account, which currently has wedding gift money in it, and our own savings, one for my tax (self employed) one my regular savings and one an isa, and he has just the one. Our individual savings are really joint, they are just in 3 separate accounts ha.

We both get paid into our individual accounts, and then transfer a set amount into our joint account. At the moment we earn similar amounts, so transfer the same, but we have agreed that if in the future one of us ends up earning lots more than the other, we will put in the same percentage of our income. The joint account pays all household bills, most meals out (unless it's a birthday and one of us is treating the other) and holidays. The money left in our own accounts is ours to do what we like with. We have separate savings accounts because that's how they got set up, but consider the money in them to be joint.

H had been working for longer than me when we got married, so he paid more than I did towards the wedding. My parents were supposed to be contributing but my Dad lost his job so that ended up not happening.

We only got the joint account after we got married but that was more because we hadn't bothered to before than anything else. Prior to that we just kept a spreadsheet of household expenses and worked out who was ahead/behind.

What's his is mine and what's mine is mine haha! Well that's how he sees it. We don't have a joint account and will not be getting a joint account. Our money will be kept separately as he says I have a spending problem lol. Although I have just set up a bank account for our wedding fund. Which we both try and put in as much as we can - not even amounts at all as he earns slightly more than what I do, so I still try and contribute as and when I can.

When we moved in together I assumed we would have our own accounts with a main one that we'd pay a bit in to. My OH said "what's the point in that?". So we closed down our accounts and opened a joint account - all our money goes in there (he earns more then me). I sort all the money, bills, what to save, and what to pay off the mortgage. If I was to ask OH he wouldn't know how much we had in our account!

Everything is seperate and that's the way I wanted it to be. Yes we have a joint mortgage but we don't (and never will have) a joint account. The whole idea of one just seems odd to me.

Fiances out and about, the waiter comes over with the card machine, we look at each other and say 'whose getting this' and then one of us (normally me) pays. I couldn't split things down the middle.

We transfer the same % of our earnings from our personal accounts to our joint account, this pays all bills and accumulates money for treats such as holidays and meals out. Personal money left over is completely our own, I have been away to Amsterdam with my cousin and down to London lots, H is currently saving for a month long American road trip with the guys.

This last year I have been a student so I have been able to transfer even less, so the % method rather than an amount makes sure it's fair.

We each get paid our salary into our individual accounts and transfer money to the joint account to cover all rents/bills each month. The joint account also has an overdraft that we use for general living, i.e. food shopping, trips out, stuff for the house/garden, presents for family members etc. At the beginning of each month we pay off half of the overdraft each. Any money that is left in our individual accounts is ours to do whatever we please with.

We have a joint savings account for the wedding that we each put a set amount in and more if we can afford to. We also both have our own credit cards.

Just out of interest, anyone who is in a relationship where only one of you has a car, how do you split car costs? My friends find it odd that I pay for half of all essential car costs (insurance, petrol, MOTs, repairs) despite not being able to drive.

Joy of working in HR, I know what everyone earns!