I was watching the View today and Rosie mentioned she has a joint account along with Elisabeth, but Joy and Barbara said they had seperate accounts. So just wondering what do you all think?


I would prefer having my own account if I was married, wouldn't matter to me if she had her own account

I have my own separate personal and business accts. My boyfriend has his own personal savings, checkings and trust accts. No problems here.

I had my own bank account when we got married so I decided to keep it. My husband had an account at a different bank, so he kept his. It works out fine for us.

Well, I've seen both sides of it. For most married couples having a joint account works out fine.

BUT

If there is one partner that is just not as reliable with money, he/she can not only get into trouble, they can really get both of you in trouble. We had a guy that was a regular customer, good credit, blah blah... well his wife had some kind of breakdown and started stealing checks and bouncing items all over the place. Because they had a joint account, we had to report both of them to chexsystems, making it very difficult for either of them to ever open another bank account anywhere, or get approved for a loan.

It's safer to have 2 accounts, because if (God forbid) someone screws something up or their credit gets really bad, then at least you have the other one and you don't have both partners with bad credit.

There's your banker's thought for the day :wave:

I have my own account my husband doesn't, he's just lazy I think. And we have a joint account. But I manage the money so it really doesn't matter.

I have my own account my husband doesn't, he's just lazy I think. And we have a joint account. But I manage the money so it really doesn't matter.


So you know how to make the numbers look right?-lol

So you know how to make the numbers look right?-lol


That's what I do for a living, it's just my thang.

That's what I do for a living, it's just my thang.


Me too, It's all about the NUMBERS!!!!!-lol If the numbers ain't looking right, I'm not right

I was watching the View today


You were watching The View. :lol: Ok that's just funny.

My hubby and I have a joint account. It works great for us.

You were watching The View. :lol: Ok that's just funny.

My hubby and I have a joint account. It works great for us.
He always watches the View.

I think that's pretty dang smart. I don't want my husband ****ing up our money.

I think it's fine. I'd prefer that my husband NOT be able to touch my money. I don't trust anyone not to go buy something I think is stupid or frivolous. Aren't I nice? lol

If I had a joint account, I'd want total control over it.

I think it's fine, as long as both spouses agree to it.

Edit.

I handle all our money. My husband is a terrific guy, but he's totally irresponsible with money. We almost ended up in divorce court twice over it. Once, back in 1996, when I found out he had maxed out his credit cards out to about a zillion dollars. He treated them like Monopoly money. Like Liza said, it affected me too, and I've always been very responsible with money.

We worked through it, and he regained my trust...until 2004 when I found out he was lending money to everyone and their mother. He's a sucker for a sob story, with relatives mostly.

Today, he has no credit cards and no bank accounts, and he NEVER will again. He gets a generous allowance and anything else he wants. All he has to do is ask. He uses my debit card if he goes shopping online or in stores. He's not denied anything, except the ability to give our money away to other people.

We're both enrolled in a program that monitors for identity theft, and we get our credit reports mailed to us every six months. I look at them very closely, lol. I told him that you reap what you sow. He earned this. He couldn't get a library card now. :D

I feel sorry for my family if something bad should happen to me tomorrow. They don't know the account numbers to anything important, such as bank accounts, utilities, etc. I have passwords to my utility accounts so that only I have access to getting information on the account, making changes to the account, etc. Maybe I should not have that though. I have joked to them that if I die tomorrow, they are screwed. :lol: They don't know what has been paid (or not been paid :lol:). In other words, I take care of the finances too for myself and us as a family. The only thing my boyfriend takes care of is his car insurance. Everything else is my work. I also have all important documents and paperwork filed and put away. I know how it is filed, but not my family. I can see it now, they would be up to their necks in paperwork.

Well, I've seen both sides of it. For most married couples having a joint account works out fine.

BUT

If there is one partner that is just not as reliable with money, he/she can not only get into trouble, they can really get both of you in trouble. We had a guy that was a regular customer, good credit, blah blah... well his wife had some kind of breakdown and started stealing checks and bouncing items all over the place. Because they had a joint account, we had to report both of them to chexsystems, making it very difficult for either of them to ever open another bank account anywhere, or get approved for a loan.

It's safer to have 2 accounts, because if (God forbid) someone screws something up or their credit gets really bad, then at least you have the other one and you don't have both partners with bad credit.

There's your banker's thought for the day :wave:


Yeah, see...my husband and I decided to get joint accounts when we got married instead of trying to split up the wedding cash and to make paying bills easier or whatnot.

BUT

He sucks w/money. He makes a lot less than I do (and mind you, I'm a teacher), but he spends WAAAAAAAAAAAAAY more than I. I dealt w/it for as long as I could, but he's terrible when it comes to paying bills (he paid his credit cards over, but would get angry when I tried to do the same 'cause there wouldn't be enough in the account or whatnot, though he changed the password on me regularly so I didn't know that).

Anways, I asked for my own account, and he flat out said no. So, my parents gifted me $100 for my birthday last year, and I just took it and opened my own account. I kept putting my paychecks in the joint, but any gift money or bonuses went straight to my own.

Needless to say, we are in the process of a divorce :)

If I am ever lucky enough to get married again, I think having 1 joint to put some stuff in and keeping my own on the side will be my recomendation.