fh and i are clueless

I wouldn’t co-mingle funds until after the wedding with the exception of a joint savings account for the wedding fund.

It depends what your plans are. Are you moving in together before the wedding? If so, you could do it then. FH has a house and has been moved in since November. I will move in around December (wedding in March) and will take over electricity, gas, water, and food. This will still be less than his mortgage and insurance, but I will still be helping and putting things in my name to build more credit.

I agree with WED18, especially since you're not living together. A joint wedding fund will help with making payments.

We got engaged in March and we sat down right away and I made a spreadsheet of all our Bill's and what we could afford to save each month. The only thing we co mingled so far is our phone, we put my phone on his plan. Looking at moving out next June. And we created a joint checking account specifically for wedding payments.

My fiancee and I have lived together since we were 18 now 25 and have always had our money together and payed Bill's together. If you dont already live together wait til after you get married then sit back and talk about all the Bill's you have and discuss if joining your money or keeping it separate is best. My best friend got married a year ago and they keep their money separate but share the Bill's in case anything were to happen they cant run off with all the money, crazy to think about but a safety precaution!

This is unique to every couple. I wouldn't join anything yet, aside from a wedding savings account, since you aren't living together. Do what works for you guys. If you plan to move in with him or get a place together, you could decide to have a joint checking account where you both contribute equal amounts for bills, or you could choose to split the bills a different way, like he pays the rent and you pay the utilities, etc. There's no one size fits all answer for this scenario.

We moved in together a year and a half ago and put both our names on stuff. We are 34 and 28. But we still have our own bank accounts and probably always will.

We've been together 13 years, have 4 kids, have lived together almost all of those years, and still have no joint accounts and only have 2 bills "together". Things still get paid. Unless there's a VERY good reason to do so, I wouldn't join finances until after you're married. You can even manage to pay for wedding things without having a joint account. The important part is having a conversation and agreeing about how much money is coming from where.

We moved in together in August 2017 got a joint account in January 2018 we will be getting married at the end of the month. What we did is decide a monthly budget and we each put a set amount into the account to reach said budget. Anything left over that amount goes into our individual account and if your check wasn't enough for whatever reason to reach the agreed upon amount then your whole check goes in to the account. But as everyone else said it's different for every couple. The way we handle our finances won't work for couples who have a huge difference in income as we put in equal amounts to the joint account. It also helps that I moved into his house after he had everything set up in his name so this way it just makes sense.

We just recently set up joint banking. We started living together last December and we have just split all of our shared bills in half & paid each other back. Now we each contribute a majority of our paychecks to the joint accounts, put some in the wedding fund (it was set up in my name before we set up the joint accounts), and we each get a little bit in our own account for "spending money". We still aren't on the same phone or any insurance but plan to do that soon after we are married.

We just moved in together about a month ago. We shortly after got a joint bank account for our bills. We still have separate accounts too. We won't be getting married for another 2 years still.

I'd talk to your FH and decide on something you're both comfortable with. My FH and I are the same age, both had jobs and had been living on our own. When we moved in together, we split all bills 50/50, and the next year we got a joint checking and it's all the same to us.

It's different for every couple. I'd just say whenever you want to and are comfortable. Some couples don't ever put their finances 100% together. My fiance and I have had a joint bank account for a year already, and our home is in both our names. Utility bills only go in one person's name (where we live) so that wouldn't change. But we pay all our own bills.

It totally depends on you as a couple my fiance and I already have combined finances and bills, but we also already live together, while my FBIL and his wife don't have joint accounts at all and they even bought a house together and everything.

My fiance and I still have our separate accounts but we also have a joint account which is how we pay bills at ease!

When you move in together start merging bills. When FH moved into my condo we started a joint account where we calculated joint bills like the mortgage, electric, HOA and gas so we were both putting in the same amount and had enough to pay the bills. The rest of our checks stayed in our own accounts to pay our personal bills like credit cards and cars and whatever else we wanted. This works perfect for us since if I want to splurge on something I can as long as I have the money in my own account.

We are 27 and 26, we have been married about 5 months and living together for 2 years. We have accounts in one name or the other and have split up who pays for what account. Just recently we did open up a Joint Checking account to pay all our bills out of. Things though that are only mine or only his such as student loans or car loans we pay for those by ourselves. Also don't feel bad either about your bills still being in your parents names, we both still have our cell phone bills in our respective parents names. As long as you both work a way to figure out who will cover what and make sure all the bills get paid that is what is most important.