We have separate accounts and h pays 95% of the bills since he literally makes 6x what I do. We don't go out much but split who pays when we do and I try to buy the things I want from my own account (hair cuts, makeup, etc).
My friends dad was just in the large party that climbed Mount Everest. He made it back ok. I'm assuming he did it with oxygen assistance since he doesn't appear to me to be in the best shape. My UO is that while I feel for the families of the people that just passed away on the mountain, there are inherent risks to doing something like this and all of them chose to do this.
For those that do have separate accounts - how do you each treat the money in the others account? Is it still "your money" no matter whos account it's in? Or it's separate/gavel?
For us - the money just happens to be in the account it's in. No matter what account it's in, it's still considered our money. So whenever something needs to be bought, it comes form the account that has the money in it. If it comes from DWs account, it's not like she bought it and I need to pay her back, it just happened to come from her account because that's where it made the most sense to come from.
Yeah, and this too. There is no paying back really, we just try to be even about things and it's usually pretty obvious whose account we should use when making a substantial purchase.
My boring UO that came up in conversation with colleagues today. I want never want my washer to be on the second floor of my house, or even the first floor. I have had two washers that were young and in otherwise good condition that leaked water all over my basement. They didn't do any damage because my basement floor is concrete. However, if they had been upstairs, I would have had to replace floors and ceilings. I'll climb two s ets of stairs with a basket to avoid that chance.
My second floor washer sits in a tray, which is connected to a drain that drains into the basement. So, no risk of floor/ceiling damage. This may be a regional thing (since not all areas of the country have basements), but I've never seen a second floor laundry NOT set up like that.
I have never heard of that, and no one brought it up during my colleague conversation, but that seems like a good idea. What if your washer hose sprung a leak, would the tray catch the water from that or would it just catch water from the basin? I can't picture what it would look like.
Large purchases come out of our joint checking. If it's a personal purchase like I want to spend $100 on my hair then I use my own account. H is going on a surf trip to Indonesia in November for 2wks and he will use his private checking account.
I'm a SAHM but before we had an account each plus a joint account but it was all our money. Now it's joint account only and I'm in charge of fun money vs bills so I know what's what. MH has no clue what goes where, I could be hiding money away and he wouldn't know. It can be frustrating though because the weight of the finances is on my shoulders even though I don't make any money.
My friends dad was just in the large party that climbed Mount Everest. He made it back ok. I'm assuming he did it with oxygen assistance since he doesn't appear to me to be in the best shape. My UO is that while I feel for the families of the people that just passed away on the mountain, there are inherent risks to doing something like this and all of them chose to do this.
DH and I were just talking about this last night. Same thing. It's being featured like it was unfathomable for someone to die climbing Everest.
I told H there is no way in hell he is ever doing it. evvahhh!! He also is not allowed to ride a motorcycle.
I told H there is no way in hell he is ever doing it. evvahhh!! He also is not allowed to ride a motorcycle.
also, skydiving.
He isn't interested in sky diving thank god. But he does road bike which is pretty dangerous already. I couldn't handle the road bike + motorcycle combo
We only have one account for most things including most credit cards and i hate the nagging that comes with it. I would be okay with two but would probably want some ground rules. Example: One person spends all of his/her money frivolously and does not save for retirement.
So do you guys know how much eachother has? Is it completely transparent with your sepearte accounts? Do you know how much debt and saving the other has?
Yup. We once had an argument over this early on and gave each other access. We usually weekly run down "hey, I've got x amount in checking" so we know what's going on. This is why I was annoyed when h was going to pay for these conferences all on his own; I knew what we had and it would dip us to a place I wasn't comfortable with, especially with me not working this summer. He has a separate account for his freelance work, too.
It's a lot easier for us, it really is. Neither of us have ever considered a joint checking account.
Post by beersandweirs on May 26, 2016 16:08:50 GMT -5
Husband and I each have our own checking and savings accounts in addition to a joint checking and savings. We put a predetermined amount from each of our checks into the joint checking and savings accounts each time we get paid. The money in the checking gets used for bills, groceries, rent, etc. The savings is for bigger things and down payments savings. Whatever is left after putting money into our joint accounts is kept separate for us to do with as we see fit.
I have a general idea how much debt husband has, his is all student loans and I know about how much he has in his savings, I could get the actual numbers if I asked, but right now it's not important for me to have the actual figures.
To complicate matters even further, I have a cash back credit card that I put most things on for the rewards and when it comes time to pay that, I separate what was paid for "us" things vs what was paid for "me" things. I like it this way and I don't see us ever having only joint accounts.
So do you guys know how much eachother has? Is it completely transparent with your sepearte accounts? Do you know how much debt and saving the other has?
Adding to this, is there ever judgement on what the other spends money on?
Do you guys get money from the state for your children?
Every family here gets €140 a month per child until they finish education or turn 18 whichever comes first.
in Canada we get $160 per child under 6 per month. I think it's $60 per child after that. You also get more depending on family income. We get $400 a month in the end for our two kids.
It's changing in July though so not sure how much we will get a month yet.
This is new to me. I wonder if we qualify for this since H is employed by a US company so not sure how our taxes will work.
One of my FB friends posted a pic of her son in a huge class of 2029 shirt meant for him to wear in 13 years. I thought it was kinda cute, kinda weird. Like who is making these shirts? Are that many people buying them?
We have a joint account. We each spend what we want, but with the exception of gifts for each other, we discuss anything above a certain amount before sending it.
I think it's great that people do whatever works for them. Separate accounts sound like a lot of extra hard work and hassle to me, but clearly others feel the same way about joint accounts.
Everyone in the UK is entitled to payments for children as well. However, if one parent earns above a certain tax threshold, you have to pay it back. So we don't get it :-) This may change if we have more children, but I'll look into it if it arises.
In addition, all three and four year olds are entitled to five free sessions at nursery school every week. You get vouchers, I believe, and you can "spend" them at an establishment of your choice. Also, every child gets free school dinners for the first three years of primary school. These are clearly aimed at helping lower income families, but I like the fact that everyone receives the benefits. No one is singled out.
Lots of nursery schools around here have "graduation". I really don't get it. So you have a graduation ceremony when you're five, and then not again until you graduate from uni (if you go to university). I think it makes even less sense in this country than it does in the US.
My second floor washer sits in a tray, which is connected to a drain that drains into the basement. So, no risk of floor/ceiling damage. This may be a regional thing (since not all areas of the country have basements), but I've never seen a second floor laundry NOT set up like that.
I have never heard of that, and no one brought it up during my colleague conversation, but that seems like a good idea. What if your washer hose sprung a leak, would the tray catch the water from that or would it just catch water from the basin? I can't picture what it would look like.
Theoretically this tray should catch a leak like that, but maybe not. It's basically just a big plastic thing that's a few inches high on the sides that is a bit larger than the washer.
Post by pbubblegum on May 26, 2016 17:43:24 GMT -5
Up until a few months ago we had separate accounts. I prefer sharing. We each have our own investment accounts and RRSP's. I was denied my "baby bonus" money because Canada doesn't have proof of my citizenship which is bullshit. FFTC:I still have not sent in my paperwork. We get a full year of paid maternity which was around $920.00 every 2 weeks. My employer topped me up to 94% of my salary for the first 6 months. I think graduations for kindergarten and preschool are silly. I bailed on my high school grad, and both university grad ceremonies. I wore a floral crown for my bachelorette tea and I looked like a fucking goddess.
When I cook I eye ball ingredients. I don't usually measure.
Come at me.
Isn't that the way everyone cooks? Baking is different but it wouldn't occur to me to get the scales out to make dinner.
I get out the measuring cups for cooking. I just don't trust myself to eyeball anything. And if what I eyeballed were not quite to my liking, I'm not always sure how to fix it. I can follow a recipe really well, but I would fail epically if I ever had to go on a cooking show like Chopped.
My boring UO that came up in conversation with colleagues today. I want never want my washer to be on the second floor of my house, or even the first floor. I have had two washers that were young and in otherwise good condition that leaked water all over my basement. They didn't do any damage because my basement floor is concrete. However, if they had been upstairs, I would have had to replace floors and ceilings. I'll climb two sets of stairs with a basket to avoid that chance.
Haven't read through this thread yet, but you can take my 2nd floor laundry from my cold, dead hands. It's no different than any other pipe to a bathroom breaking and leaking. SO much more laundry get done in my house because I don't have to make special trips to the basement!
Along the same lines. I still want to have 1 yr photos done with DD and I showed H some concept photos for it last night. I asked him if he liked DD wearing a floral headband in them or not. He said, 'I have zero opinion on this and I really don't care'.
My UO: I'm so tired of the floral headband thing. Why does every bachelorette party guest, festival goer, and 1 year old have to wear a flower headband thing? DNW.
Also do not like those weird little crowns for babies.
My boring UO that came up in conversation with colleagues today. I want never want my washer to be on the second floor of my house, or even the first floor. I have had two washers that were young and in otherwise good condition that leaked water all over my basement. They didn't do any damage because my basement floor is concrete. However, if they had been upstairs, I would have had to replace floors and ceilings. I'll climb two sets of stairs with a basket to avoid that chance.
Haven't read through this thread yet, but you can take my 2nd floor laundry from my cold, dead hands. It's no different than any other pipe to a bathroom breaking and leaking. SO much more laundry get done in my house because I don't have to make special trips to the basement!
+1. DNW to lug a basket full of towels and sheets up and down 2 flights of stairs. It would be a serious con on any future home if it didn't have 2nd floor laundry.
@scoop I just made oatmeal cookies and I scoop out the sugar, brown sugar, throw on a little baking soda, vanilla etc. it doesn't always make the exact same cookie but they still taste good
The exception is if I'm cooking rice because I need the exact part rice to water
My boring UO that came up in conversation with colleagues today. I want never want my washer to be on the second floor of my house, or even the first floor. I have had two washers that were young and in otherwise good condition that leaked water all over my basement. They didn't do any damage because my basement floor is concrete. However, if they had been upstairs, I would have had to replace floors and ceilings. I'll climb two sets of stairs with a basket to avoid that chance.
Haven't read through this thread yet, but you can take my 2nd floor laundry from my cold, dead hands. It's no different than any other pipe to a bathroom breaking and leaking. SO much more laundry get done in my house because I don't have to make special trips to the basement!
I really do get why other people love it. And maybe if I hadn't had the floods, or even maybe if I had only one, I would be right there with you. But I have a feeling that the third time will not be a charm with this one. So down to the basement I trudge. Although it's not like having a second floor laundry is even an option for me due to my house's layout. It isn't something I wanted when we looked at houses though.
For those that do have separate accounts - how do you each treat the money in the others account? Is it still "your money" no matter whos account it's in? Or it's separate/gavel?
For us - the money just happens to be in the account it's in. No matter what account it's in, it's still considered our money. So whenever something needs to be bought, it comes form the account that has the money in it. If it comes from DWs account, it's not like she bought it and I need to pay her back, it just happened to come from her account because that's where it made the most sense to come from.
It's all our money. I pay most of the bills and he writes me a check for "his part" to put in my account. Once bills are paid we spend from our own accounts and if one of us is low we ask the othef if needed. We have never once had even a petty argument over money.
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