Married people... finances?

It's interesting to see how everyone else does things! As for us, we have joint accounts. I have one separate credit card that we're paying off, and after that, we'll probably get rid of that one and get a joint card for emergencies. I like it this way, that everything is ours versus yours and mine. It works for us!

Originally Posted by FiestyFemme

It's interesting to see how everyone else does things! As for us, we have joint accounts. I have one separate credit card that we're paying off, and after that, we'll probably get rid of that one and get a joint card for emergencies. I like it this way, that everything is ours versus yours and mine. It works for us!

I got rid of my credit cards too... my husband's have a much higher limit and he gets points for using his card!

Originally Posted by Peaches715

I got rid of my credit cards too... my husband's have a much higher limit and he gets points for using his card!

Sounds like a better idea! I need to get rid of mine. The interest rate is too high, plus we just want to get it paid off anyway. When we get another, we probably won't use it much anyway unless we paid it off each month, but they're nice to have in case of an emergency. We just don't want any debt!

I forgot about credit cards! We each kept our own, but we don't carry a balance on them anyhow. We feel like they're more secure than debit cards, but we use them as you would a check card.

Originally Posted by FiestyFemme

Sounds like a better idea! I need to get rid of mine. The interest rate is too high, plus we just want to get it paid off anyway. When we get another, we probably won't use it much anyway unless we paid it off each month, but they're nice to have in case of an emergency. We just don't want any debt!

We don't want debt either! We use the credit card for everything to get the points, then my husband pays it off every month and we make sure not to go over our budget with it. It works well for us!

We keep our finances separate - checking accounts and credit cards.

Katie Lynn, we do the same thing and use our credit cards and debit cards and pay off the balance every month. We've been mindful over the years to keep out debt to a minimum and make sure the debt we do have is the "good" kind of debt.

Erica, I'd think about just paying off your card and keeping it, as opposed to closing the account/getting rid of the card. Closing accounts can actually harm your credit score.

http://articles.moneycentral.msn.com...ringMyths.aspx

I have to say, I am kind of envious of those of you who have been able to set up a budget. I am paid hourly and the hours that I work vary from week-to-week, so I have no idea how to set up a budget since I'm never sure what I'll be getting paid! If anyone has any ideas, PLMK.

Originally Posted by Savanna

We do the same thing. My husband and I kept our seperate accounts. We split the bills and the mortgage. This way, we don't have to argue over what we buy...we spend our own money however we want and the other doesn't have to say anything. When we go out to dinner or the movies-he always pays.

That's pretty much what we do, too.

When I was married we had 4 accounts total, a joint chequing account, a joint savings accounts and we each had our own separate savings account.