No problem. Best thing about the 360 Checking account is you don't have to do anything whatsoever to earn the interest rate each month. They just deposit the money in your account as long as you keep your balance above 100k. I have yet to find another account like that.
How Much Money Is In Your Bank Account?
- Thread starter JimmyWa11
- Start date
No problem. Best thing about the 360 Checking account is you don't have to do anything whatsoever to earn the interest rate each month. They just deposit the money in your account as long as you keep your balance above 100k. I have yet to find another account like that.
To each their own, I guess. My wife didn't work outside the home for 5 years and now that she does, I make about twice as much as her, so I would feel dumb asking to split up the bills. We each deposit our checks into a joint accout and I pay thr bills, as I feel this is my responsibility as a man. We both have separate retirement accounts (probably would, even if not required by law) with vanguard and our kids have separate custodial savings accounts, but everything else is combined.
Whenever we go out for entertainment or dinner, we are usually together (the times we don't, it's not a big deal to just use OUR money). We live under the same roof so we both use the living expenses. so I don't feel like it's necessary to separate the money. If you get a divorce, you're still going to be forking over cash to her, so I honestly don't see any benefit to your setup.
I hope you all realize that your wives are probably smarter than you. Over the course of a marriage you will probably end up "going to the store" more than them (they are probably keeping track), and they probably have lots more money in their accounts than you.
So when the day comes that they leave you and you realize that 5 years earlier they offshored their life savings or gradually withdrew it and have it stashed in a inpenetrable safe at their parents' house, don't say I didn't just warn you... And thr even slower realization will come that you were basically nothing more than a sugar daddy for 35 years.
But it's ok. Your system "works for you."
A lot of married couples have accounts set up like that, especially if they have similar incomes. As long as each party funds the joint accounts with the agreed upon amount each month, the rest is yours to do with as you please. I don't want my wife to have to feel like she needs to justify a $200 outfit to me, just like I'm not explaining my $200 rod and reel to her.
Even if you don't have similar incomes, just fund the joint accounts according to your percentage of the household income and do what you want with the rest. Doing it that way means my wife and I rarely even have to discuss money, much less argue about it.
Even if you don't have similar incomes, just fund the joint accounts according to your percentage of the household income and do what you want with the rest. Doing it that way means my wife and I rarely even have to discuss money, much less argue about it.
[QUOTEI"crazyqx83, post: 4596771, member: 2970"]I hope you all realize that your wives are probably smarter than you. Over the course of a marriage you will probably end up "going to the store" more than them (they are probably keeping track), and they probably have lots more money in their accounts than you.
So when the day comes that they leave you and you realize that 5 years earlier they offshored their life savings or gradually withdrew it and have it stashed in a inpenetrable safe at their parents' house, don't say I didn't just warn you... And thr even slower realization will come that you were basically nothing more than a sugar daddy for 35 years.
But it's ok. Your system "works for you."[/QUOTE]
Well, it is obvious you have all of the knowledge in the world on relationships and finances. Yours is the only real way to do it. Everyone must do it your way or you are wrong. Teach us oh great one.
So when the day comes that they leave you and you realize that 5 years earlier they offshored their life savings or gradually withdrew it and have it stashed in a inpenetrable safe at their parents' house, don't say I didn't just warn you... And thr even slower realization will come that you were basically nothing more than a sugar daddy for 35 years.
But it's ok. Your system "works for you."[/QUOTE]
Well, it is obvious you have all of the knowledge in the world on relationships and finances. Yours is the only real way to do it. Everyone must do it your way or you are wrong. Teach us oh great one.
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I've never claimed my system is the best. I know exactly what she has in her account because we don't hide anything from each other. She definitely does 90% of the shopping as I travel a lot for work. I also make substantially more than her so I have no issues paying for 80% of things.
Yeah but what if one doesn't know how to control their spending? That person is going to eventually screw over the other one.
we have a lot on here who love to gambol. i damn sure promise you that most of them don't do that out of their "joint account" monies.
having separate accounts isn't the devil man. my wife likes having her own account as well. gives her a sense of pride to make her own money, have an account she knows i have the trust with her to spend as she pleases. she will take me out to dinner sometimes, etc. even though all the money we both make is one in the same when it all comes down to it, meaning it is all used to cover our life expenses, makes her feel good to have some control and not feel like i am the one allocating expenses all the time. and yes i make most of the money. she does pretty well though.
we have joint savings and a joint checking that we will both put money in to save up for family fun, vacations, christmas expenses, and so on. plus, i pretty much pay all the bills using online banking, and most of all that was set up using my checking account before we got married, and all these bills are still linked to that account. i was pretty much too lazy to have to go and change all that to move it to a new account.
having separate accounts isn't the devil man. my wife likes having her own account as well. gives her a sense of pride to make her own money, have an account she knows i have the trust with her to spend as she pleases. she will take me out to dinner sometimes, etc. even though all the money we both make is one in the same when it all comes down to it, meaning it is all used to cover our life expenses, makes her feel good to have some control and not feel like i am the one allocating expenses all the time. and yes i make most of the money. she does pretty well though.
we have joint savings and a joint checking that we will both put money in to save up for family fun, vacations, christmas expenses, and so on. plus, i pretty much pay all the bills using online banking, and most of all that was set up using my checking account before we got married, and all these bills are still linked to that account. i was pretty much too lazy to have to go and change all that to move it to a new account.
I would put couples who have separate accounts up against those that do and I bet those that share have more arguments about finances. I checked my male ego at the door a long time ago. I make more than my wife but she makes good money and has been a very fair and equal contributor to our household. We never fight about finances. I buy what I want and she does the same. Meanwhile, we have a ton in savings and retirement and never stress about who is buying what. I grew up scared to death about getting into a marriage like my parents had when money was always an argument and I was very lucky to find someone who thought about finances the same way as I do. It works for us but will/ has not worked for others. To each their own.
People with separate accounts don't fight about money because there isn't a shared interest in the matter. I don't fight with my neighbor about money, either. Same ******* concept.
If you don't want to be married, then just don't be married. That. Simple.
You lose this argument simply because you cannot understand that not everyone has the same type of partner or relationship. What works good for you does not necessarily work good for someone else. To disparage others relationships because they are not like yours is close minded and shallow. But, whatever makes you feel better about your marriage, I am all about helping you.
Wow, Warrior now supports gay marriage!
all this is irrelevant anyway, once the dems (hillary, bernie) whomever, achieve their final solution, we will all have one big joint account with the government. your money goes to them and they become like your crazy overbearing wife telling you, all of us, what to do any damn way
Bite me, and I mean this in a most endearing way.:stuck_out_tongue_winking_eye:
I do solemly swear that I will support and defend my wife......not really. I don't remember, it was done at the local court house but, none of that really matters. What does matter is that we both agree and like our current way of managing money. Why does it matter so much to you?
That's an urban legend. 80% of people are still married to their 1st spouse and that includes death with divorce.
So is it then better to be out of debt and have a lower credit score or to have debt and have a higher score?
I staggered terms. One just lapsed last year. I'm retired now. All kids through college. The last of my terms will lapse in 3 years. Term is the only way to go.
You don't have to pay interest to get a great score, that's a myth. I've always paid my cards off each month (paying no interest)and have a790-800 score. It's more important to keep the utilization under 15%.
Yeah, it's weird. Back then I would get angry over a $100 electric bill, but had no problem spending $150 on cocaine, because that was "reasonable and ok"
aye aye
The current divorce rate is estimated to be between 1/3 and 1/2 of all marriages. The divorce rate has been trending down due to people waiting longer to marry in recent decades. Your 80% figure (if true) wouldn't adequately reflect the effect of multiple time divorcees on the overall rate.
“We can only be sure about couples who married in the 1960s and '70s.” The divorce rate for those couples was about 40 to 45 percent, according to an analysis from The Wharton School of the University of Pennsylvania.
http://www.menshealth.com/sex-women/divorce-statistics
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I don't know why anyone would get divorced. I don't care how much you hate each other, it just seems like it would be cheaper to go get your own place to live and have girlfriends, etc... I mean, with divorce, you are likely going to be out a lot more money than maintaining two homes.
It goes to the old joke "why does divorce cost so much", "because it's worth it"
We got signs on the corners of roads here promoting $99 divorces. Seems like a good deal.
$2236 in checking (just got a BBT text alert after a scheduled payment came out.)
$7400 in savings that I can switch over to checking if I need to buy something more than I have in checking.
3 weekly paychecks I haven't cashed yet and about $1100 in cash in my wallet.
About $840 on a Visa card I get from work bonuses put on each month. (Ole dads momma don't know money for gambling and me things). Usually average about $1200 per month that gets put on this card around the 15th of each month.
Not telling anyone how much $$$ I have in retirement, investments, 401k.
$7400 in savings that I can switch over to checking if I need to buy something more than I have in checking.
3 weekly paychecks I haven't cashed yet and about $1100 in cash in my wallet.
About $840 on a Visa card I get from work bonuses put on each month. (Ole dads momma don't know money for gambling and me things). Usually average about $1200 per month that gets put on this card around the 15th of each month.
Not telling anyone how much $$$ I have in retirement, investments, 401k.
Torn about interest rates going up. One hand would be nice to finally get a better return on my savings account but on the other want to sell and build a new home and have to wait another year to do so. Hopefully mortgage rates do not go up too much by then. I know, even a 5-6% rate is still great but would prefer to have the rate I currently have.
I always keep $1000 cash set aside that my wife does not know about, if I spend a couple hundred I'll replace it usually within a month.