Why do people have joint accounts with their spouses? Do you need to have a joint account to pay bills? Couldn't a couple pay their share of the bills through their own separate accounts? I think it's a good idea to have a joint account, but due to so many stories I hear about unfaithful spouses, I don't know if I could trust my husband with all my money when I get married. But I guess I can just put a certain perctage in the joint account and the rest in my own personal account. Would you want to have a joint account with your spouse? I feel like a spouse should be someone you could trust with your life, but I feel like the meaning of marriage today has dimished. People are making it into a business. It is more about money and profit now. Many people marry for the wrong reasons and these things are making it hard to trust people. When I see stories of women who have been married for 20+ years for their spouse to cheat on them and they end up divorcing. It's pretty discouraging. I don't want to be with a man today who claims to love me more than anything today and then tomorrow it's a differnt story. What is your take on this? I feel like trust is the most important part in a relationship yet the hardest to maintain.

That one would take time to decide.

My wife should put all her money and pay checks in the joint account. Me ohh my own is different- I will probably have other accounts in other countries, while putting money in the joint account as well.

I see nothing wrong in operating a joint account with your wife or husband.

If you trust your spouse enough to have children with them, not trusting them with money says a lot about you as a person. And before folk start defending their unwillingness to have joint accounts due to unfaithful spouses and all the rest, think what led you to marry your partner in the first place.

Some folk would die for money, yet fail to put the important things in life first.

marriage should be about trust honesty and respect.
there is nothing wrong with having a JOINT ACCOUNT where both of you put a certain amount each month for the upkeep of the house, children,mortgage, bills etc

if you are thinking about your wife´s possiblity of cheating as soon as you get married while talking about joint account then you probably shouldnt get married. let your spouse make that mistake before you blame her for it.

as i always say: marriage is like a flower and if you dont have what it takes to water it then its bound to fail.
nobody ever said that marriage was easy. wasnt back in the days, isnt now!

stop thinking about the horror stories that you hear about married couple, as much as i hate to say it, there are many success story, not much but there are some out there. if you dont think that you could be THAT lucky then marriage is not meant for you.

Siena:

I see nothing wrong in operating a joint account with your wife or husband.

If you trust your spouse enough to have children with them, not trusting them with money says a lot about you as a person. And before folk start defending their unwillingness to have joint accounts due to unfaithful spouses and all the rest, think what led you to marry your partner in the first place.
Some folk would die for money, yet fail to put the important things in life first.

Having children with someone doesn't mean anything. That does not measure the amount of trust you have for someone. There are people who live together and choose to have children together, but are not married. However I definitely agree with the bolded part.

By the way, your profile pick with your wife is very nice. Are you nigerians? Just wondering.

I understand ur feelings about not being able to trust people nowadays, unfortunately, this includes the person you love and call 'your better half'. However, you can still have a joint account, or what I call a family account. In this account, each one of you will be saving an amount that is already agreed upon by both of you and have 2 signatories, that way, no money can go out without both of your signatures on the check. If the unexpected situation comes up, it's easy to split the money and each person get his/her half.

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when they have more than the man, they tend to think wayward things. gotta stop here

nene1:

Having children with someone doesn't mean anything. That does not measure the amount of trust you have for someone. There are people who live together and choose to have children together, but are not married. However I definitely agree with the bolded part.

By the way, your profile pick with your wife is very nice. Are you nigerians? Just wondering.

Thanks buddy, yes, we're both Nigerians.

Personally, if I have to have a joint account with my spouse at all, it will only contain a small portion of my money while I have my personal account someplace else

I've got my mind on my money, and my money on my mind. . .  Women come later on my list, so the prospect of a joint account is totally off the face of the earth. She wont even know how much i take home monthly. . .  There's absolutely no need for that, marriage is not by force, and anyone can easily adopt kids these days.

whitelexi:

I've got my mind on my money, and my money on my mind. . . Women come later on my list, so the prospect of a joint account is totally off the face of the earth. She wont even know how much i take home monthly. . . There's absolutely no need for that, marriage is not by force, and anyone can easily adopt kids these days.

Brother Lex, you're letting money rule your life. It's possible to have all the money in the world, and still not be happy. If you're going as far as hiding your take-home pay from your wife, I think it's best you don't get married at all. Keep girlfriends, but don't elevate them to the position of "wife."

How can you and your wife make plans, like have kids, holidays, building a home etc, when she has no idea if you both can afford it, as she has no clue what you're worth??

No joint account for me.

There should be at least 3 bank accounts. Yours, your spouse's, and a joint account. NOTHING creates problem in marriage than money. If you each allocate some money to yourself that you NEVER have to explain what you spent it on with your spouse, your marriage will be much better. I NEVER want to know that she spent £35 on a tube of lipstick. Just like she never needs to know that I spent £150 on the latest and greatest electric razor.

You might also have an emergency, vacation, or Christmas (holiday) account.

Yes I can have a joint account with my husband. . .it would cater for family related issues such as family upkeep, children education, family vacations etc.

then we can both have our individual accounts. . .

No matter how we vow not to lay low in our relationship, I aint into joint account .

ThoniaSlim:

Yes I can have a joint account with my husband. . .it would cater for family related issues such as family upkeep, children education, family vacations etc.

then we can both have our individual accounts. . .

Makes perfect sense, Ms Slim.

Rhymez:

No matter how we vow not to lay low in our relationship, I aint into joint account .

Lol. Are you a married man, by any chance?

Siena:

Thanks buddy, yes, we're both Nigerians.

O okay. Some naijas do look like black americans. That's just why I was asking. You guys kinda looked American to me.

^^^ Ah, cool. We couldn't be more Nigerian though.

Siena:

^^^ Ah, cool. We couldn't be more Nigerian though.

lol, o ok. i like ur pride. but yea you n your wife seem like the kind of happy couple i want to be with my husband. well that is when i do get married lol.

^^^ Aww! Thanks for your endorsement.

Only if the I do's have been said

The only joint acct will be for the household, eg,bills,food stuffs, apart from that no joint acct
He shuld keep his stash of money separate from mine, like the saying goes "Money is d root of evil"