I'm clearly doing it wrong as we pool all our income into a joint account so there's no hiding anything. Plus, she spends way more than I do on stuff!
Couldnt do that. We both put a set amount each month into a joint account which pays mortgage, council tax, all bills, food shopping etc. We also both pay into the savings account. Everything else is then up to ourselves to spend on what we want. She does frown when I buy a big ticket item like a weekend car. Seems she pretty much saves 60% of her wages each month. No idea what for, "just in case" money she says.
"What time are you leaving the pub?"Just popping out for a pint*
*not recently...
I've never understood this whole need to lie? My wife and I have a joint household pot where we contribute what needs to be for household expenses. Anything else is ours to spend as we see fit, I don't question her and she doesn't with me. I would hate to have to hide what I'm spending or worry about 'sneaking' deliveries. Especially this month when I had a few k worth of pc part deliveries.
For a long time this is how we did our finances. In the past few years we made a change which works really well. All money is pooled together, split between our bills, savings, joint spending account and any other pots (e.g. holiday), then we have a equal amount in our solo accounts as our own. Usually around £250-400 pm each, depending. We usually have about £700 in our joint spending account each month for day to day spending e.g takeaways, household items, day trips (when those were a thing).To be fair, when this topic pops ups were usually in the minority. Most of our friends pay into a bills account and keep the disposable like you. It definitely has its drawbacks as I feel guiltier buying big ticket items and we do end up having to justify to each other why we are buying them.
It's probably saved me money though as I'd just spend all my disposable on random technology if it was sat there in its own account. My wife gets to spend it now instead.
I can't even remember why or when we started doing it. I'd guess it was when we got married or our daughter was born.
I'm clearly doing it wrong as we pool all our income into a joint account so there's no hiding anything. Plus, she spends way more than I do on stuff!
I've never understood this whole need to lie? My wife and I have a joint household pot where we contribute what needs to be for household expenses. Anything else is ours to spend as we see fit, I don't question her and she doesn't with me.