Joined bank accounts after wedding

Both. Savings and checking together. For household and mutual expenses. Then separate accounts (of whatever kind you’d like) for each of you for your own personal spending.

Its SUPER nice to buy things for yourself AND him! without having to feel bad or potentially ruin a surprise. I set aside X amount for mine whenever I get paid. Most of the time it just builds slowly but if I stumble on a great sale or want to buy something for him, it makes it simple.

We are still working out the kinks because this is our first month of the new set up. We opened a joint checking and savings. All of our wedding gifts went in to the savings. We decided to each put 75% of our take home pay into the joint and use that account for our living expenses. We will still each have the other 25% as personal money.

FH and I have had a joint checking account since we moved in together 8 years ago. We do not have any credit cards together, simply because neither of us have opened any new credit cards in the time we’ve been together. The only issue we’ve ever had is when we try to buy a gift for the other! I manage the majority of our money, so if I see a big withdrawal from the bank I ask questions. It made ring shopping a challenge for him 😂

I think joining finances varies from
couple to couple. It works for us, but I don’t think there’s a right or wrong way to do it.

Yours mine and ours works well for us. Everyone should be able to have some "mad money" to purchase things without asking for permission.

We haven’t done this yet, but what we’ll likely do is keep a joint checking account that we’ll use as a “bill account” and probably a savings account too, while keeping separate checking accounts. I’m usually in charge of the finances so every week I’ll transfer money from our individual accounts into the bill account and put whatever I want from my account into savings and just let my FH put money into savings as he pleases. If you do that you have to pretty much keep a calendar of what bills come out on what day and plan ahead of time so it can get confusing

We set up a joint account for our wedding and kept it for bigger shares expenses (i.e. travel, emergency house fix-it fund).

It's way easier to keep accounts separate. We each do our accounting differently. And he'd go nuts over my occasional but pricey hair costs but I would go batty over his constant online micro-spends that totally add up. We almost never fight over money.

This is so very personal and varies hugely from couple to couple!

Spousehouse and I opened up a joint checking account for rent & bills when we moved in together 5 years ago. When we got a dog together, I moved my "Pet fund" savings account (emergency vet bills) to a joint account. When we got engaged, he opened a joint "Wedding bonanza" savings account. We both contribute certain amounts to each and then the rest of our money is managed pretty privately. We do have the same accountant and discuss money and budgeting and paychecks together quite frequently though, so nobody is in the dark.

Oh, we also have a policy of at least discussing purchases of over $500 or very large items that are brought into our tiny apartment. That's more so nobody is blindsided and to keep us both accountable to our personal AND joint financial goals.

And dude our apartment...is so...SO tiny......

We decided we will keep accounts separate. It's just easier for us to keep track of our own funds, especially since FH can be a spender. We may open a joint account for house saving funds, but that's about it!

We plan on joining everything.

We joined accounts a few months after we got engaged. We work extremely well together with money. We have never had a problem talking about money. We can each spend stuff and we only ask the other one when it's a big purchase. Such as his fathers day gift. It was about $60 and I let him know hey I'm buying something that's this much, it's your fathers day gift. Really our agreement was anything over 100 we let the other know but we dont really follow that. It's not that we have to we just like to keep the other informed. The wedding was completely different. We paid it using our tax return and he sat me down and explained why he wants to do that, pros and cons and when we came to a decision together he handed me the card and said pay for our wedding babe. And I had the entire wedding paid off within 2 days. In all honesty our wedding and honeymoon is about 5k. So it was alot of fun to do that lol. I'm getting off topic....

Anyways we have joint accounts and have for 9 months and have no disagreements with money

Currently we have a joint account for wedding related expenses, and have decided to turn that into our joint account for expenses and all bills once we get married. We will each keep separate accounts as well, and we're still working out how much will go into said accounts.

We have a joint account that we each contribute so much per month. We pay the mortgage, utilities, repairs, HOA, etc. from that. Then we each have our own accounts for spending. Usually I buy the groceries and he pays when we eat out. He goes to the store a lot on his own and will always pick up things for me, so that part works itself out. I expect that once we get married, more things will start coming out of that joint account, but the general method will stay the same. He's waiting until his phone contract is up and then we will combine to one account, for example.

This works for us, as we both have our own money to do what we like. We talk about savings goals and work together on that, but he doesn't judge me when I buy shoes or makeup, and I say nothing when he buys car stuff.

We have had a joint account for about two years or so now. But we both have separate checkings accounts. A portion of our paychecks goes into the joint account to cover living expenses.

We are discussing joint account for house holde expenses and maybe a savings for large purchase. Then separate accounts for individual play money.

We've fully combined our finances cause it's what worked best for us. I was in grad school while FH was working, now I'm working while he's starting his own business, so it just made sense rather than have one of us be broke while the other made good money. I didn't ever think this is the route I'd go, but I've actually enjoyed having our finances fully combined. We're in this together. It also works for us because we don't question each other's purchases. We discuss big purchases beforehand, which I think we'd do anyway. The only downside is that gift buying doesn't really feel like gift buying when it comes from the same account, but it's the thought that counts anyway.

I always wonder how keeping separate accounts works for couples who have widely different salaries, though.

We just opened a joint checking and savings account. The plan is to each keep our own separate accounts too. A set amount will go into our individual accounts for spending money. Everything else will go into the joint account for joint expenses.

We have a mix. We have a joint account where we calculated the monthly bills that we share like utilities, mortgage, karate, and food and split the cost to determine how much to put on auto deposit with each paycheck. Then the rest of our money goes into our own accounts for anything that isn't a combined bill like car loans and credit cards that we had before we got together. Works perfect for us since if I want to buy something I can if I have the money and same with him. I don't have to ask permission to buy things. I have a friend where all money goes into the same account and she has to ask permission to buy things even though she works full time.

We kept all our financial business completely separate for the 5 1/2 years we lived together. Since I moved into his house, I gave him an agreed upon sum every month for bills and we switched off paying for groceries, household stuff, etc. Once I decided to put some serious money into the house and added a deck, he added me to the deed.

Once we got married, we decided it was best to open a joint checking account. We both put an agreed upon amount in the account every month and we also put our cash wedding gifts in that account. All of our bills including mortgage, utilities, cell phones, groceries, dining out or entertainment with each other, vacations, household needs, lawn care, house cleaner, etc. come out of that account. Any personal stuff comes out of our own personal accounts. This way we can keep track of what we spend as a couple but have autonomy as well.

We will each continue to have separate checking and savings accounts and will open a joint checking for bills and things.

We haven't talked much about this, but we already have each other's info and access, plus I have a duplicate card in case I need to make certain types of purchases for his son (situations like daycare and medical...I just use my own money to buy him junk haha) The thing I worry about is my credit standing and the custody issues we have. I have struggled with student loans and bad choices that have followed me around and am well on my way to paying it all off, but I would HATE for a lender to get a notice of a new account in my name and seize it. I also worry that if we ever have to go back to paying child support (kiddo is in our custody now) that all of my income will be added in as we will be a unit instead of a pair. All that aside, I believe we would make one account for bills and household needs while each having a personal account to have our own stash. Make gifts much easier!