For the married folks: How do you all manage bank accounts?

[Dpantherman]

I'm not married, or even thinking about it right now, I'm just curious. Do you all have joint accounts, separate, or both (3)?

[SCP]

I have separate because my wife still hasn't learned how to balance a check book. I pay for everything but the kids daycare and groceries.

[CatofWar]

Joint. The misses handles the paperwork.

[pstall]

Joint but soon I'm changing that. Have a bill paying acct and we each have our own. Simplify what I have to manage.

[KSpan]

Joint but soon I'm changing that. Have a bill paying acct and we each have our own. Simplify what I have to manage.

This, plus an emergency fund and a general savings acct. Sounds more complicated than it is.

[Ja Rhule]

Joint. My fiancé handles everything but I do monitor what she's doing, she knows it and she's fine with it.

[pstall]

getting that emergency fund where it needs to be can be tough, but, once you do, it takes a load off.

[Darth Biscuit]

Joint account and the wife... She does all the bill paying and we make joint decisions about purchases. She's so tight with money she squeaks so she keeps us straight.

We have a budget and usually do pretty good sticking to it.

[Carolina Husker]

Separate and not equal.

[logic1977]

Completely seperate with each of us having visibility into the other's account if we need to, but the need for that rarely arises.

Basically we divide the joint bills up based on our salaries, and after that she can spend her money any way she feels like and i can do the same.

Will never have joint accounts as i won't be put on an allowance of my own money.

[Davidson Deac II]

Same as logic 1977.

We have seperate, albeit linked accounts. Either one of us can look at the other's account. She has a few small bills to pay, plus the majority of the household expenses (clothes, food, tp etc...). I pay the big bills (mortgage, car, electicity etc...). We contribute to a joint savings account/emergency fund.

[Davidson Deac II]

I have separate because my wife still hasn't learned how to balance a check book. I pay for everything but the kids daycare and groceries.

People actually balance checkbooks these days? ;)

I just use bill pay, and all the bills come out of my pay on payday. That includes savings. Everythign left is weekly spending and expense money. Anything left from that before the next payday goes into savings or paying off the little bit of credit card debt we have left. I don't even have a checkbook or write any purchases down.

[Panthro]

Joint and I have a credit union acct. separate credit cards

[Kevin Greene]

People actually balance checkbooks these days? ;)

WTH is a check book these days?

Nothing more annoying than being stuck behind some dinasour at the grocery store who pulls out their check book and starts writing a check after the checker is all done and waiting for payment.

Slide the damned card idiot.

And joint, everything is right at your fingertips 24/7 on your computer and on your droid.

Banking by phone ftw..