Should couples have joint or individual bank accounts?

by MissingTheO.C. Posted 2012/05/11 11:33:30

Loading Demographics... Click an icon to see demographic results Display unknown and private
	Individual	30 votes	39%
	Joint	16 votes	21%
	Undecided	31 votes	40%

More polls by MissingTheO.C.

beach bum 2012/06/05 04:02:36

Joint

joint

reply
flyingseaturtle BN 2012/05/14 05:21:05

Undecided

It just depends on the couple... I have a joint account with my husband ;-)

reply
♥♥♥AznGurl92♥♥♥ 2012/05/14 02:26:31

Undecided

I think couples should have their own accounts and one jointed account.

reply
John Galt jr or Ron/jon 2012/05/13 16:44:41

Undecided

both

reply
GhostRyder 2012/05/13 06:50:41

Undecided

That's for them to decide; not my business or concern.

reply
La 2012/05/13 06:01:14

Individual

Separate jobs, separate wages being paid.

reply
Just me ∞ijm♥G☮F♀U∞ 2012/05/12 22:45:40

Joint

They should have a joint account and a personal account.

reply
Mark 2012/05/12 16:53:25

Undecided

+2
My wife and I have joint. But there is no "should" about it, it is whatever works for each individual couple.

reply
rhstarr 2012/05/12 15:01:21

Undecided

+2
Both.. MY husband and I have both. We each get a set amount in our own account. And the joint accout is for bills and family things.

reply
Tara-ABO-2012 2012/05/12 09:19:37

Undecided

+2
I don't think there is a right or wrong way to do it. It really should be up to the couple and what they agree is best for them

We have one joint bank account. Have had for 20 years has worked awesome for us

reply
TheTruth1313 2012/05/12 07:37:00

Individual

+2
Along with a joint account. Each person being in control of some money tends to ease some stress.

reply
Th8nos 2012/05/12 04:00:19

Individual

+2
...plus, a joint for bills. You keep what you before you met. So you have some of "your" money.

reply
kent 2012/05/12 03:20:45

Undecided

+1
If it's a choice I think maybe they should go with the bank accounts. Sure maybe smoking a joint seems like a good idea at the time but......

reply
Cricket 2012/05/12 00:49:57

Individual

+1
I think joint accounts have all good intended purposes but anymore there's a lot of bickering and vindictive ploys going on with joint accounts. A woman gets mad, the relationship is rocky, all trust goes out the window, she wipes the man out clean, or he wipes her out clean. Not worth it. Go individual, my opinion.

reply
Jdogg 2012/05/11 23:58:29

Individual

+1
It's best to have seperate ones

reply
Garciataria 2012/05/11 21:59:24

Individual

+1
- You never know if/when the relationship will fall apart.
- One partner is bound to spend all the money whenever s/he sees an opportunity.

reply
kitkat42 2012/05/11 20:58:50

Undecided

+1
I think both. Joint for family matters and personal (especially if they both work) accounts for their own use. Not many can manage this, but I think its a good idea.

reply
none 2012/05/11 20:07:42

Undecided

+2
Both.

reply
Mandy 2012/05/11 19:07:38

Individual

+1
We have joint accounts, and I wish we'd have kept them separate.

reply
scbluesman13 2012/05/11 18:59:41

Joint

No point keeping them separate when all of the other institutions that validate marriage consider your finances joint =P

reply
Charles E 2012/05/11 18:57:22

Joint

+1
We have two joint accounts. One I mostly use and one she mostly uses.
That way one person is writing checks and balancing each account but both can use an account if needed.

reply
baxter 2012/05/11 18:14:15

Undecided

Least you no what money you can or can not spend

reply
DoxieDad 2012/05/11 18:07:55

Undecided

+3
Both. It works out much better to have a joint account for those things that need to be done jointly but each should maintain an individual for those things that each would like without affecting the joint account. If has worked well for me for thirty years.

reply
cynsity 2012/05/11 18:02:24

Undecided

+1
BOTH. Couples should have an account from whic they pay their bills and save for retirement and then they should each have an account in which they place an agreed apon % of their income to do as they want... so if she wants to geta massage every week it comes from her individual account and if she splerges on shoes and can't get the massage too bad... or if he wants to but a new "toy" he has to save in his account and then use that money. this also helps when there are gifts to buy...

reply
Jack's Pearl 2012/05/11 17:58:26 (edited)

Joint

+1
I've read that joint accounts and working as a team with money issues makes you a much stronger couple. I agree with that.

reply
memebev1 2012/05/11 17:54:53

Undecided

+2
What's wrong with both?

reply
Pixie·MzAwesome♠ƤĦĂĔŢ♠ 2012/05/11 17:24:15
Charles E to Pixie·... 2012/05/11 19:03:46

+1
In most states, unless well written by a lawyer, a joint account becomes the property of the last survivor if anything happens.

I suspect you are projecting your prejudice without knowing the law.

If I am wrong, please feel free to tell me how. Preferably without cursing.

reply
Oh wait, i forgot I wasted em' 2012/05/11 17:12:42

Joint

My parents have a joint bank account, and they are learning to cope with it They find they don't spend as much as they used to when it was a single account.

reply
Syl 2012/05/11 16:45:32

Undecided

Unimportant. The only reason you really need a bank account in the first place is because that's where the money you earn or receive goes. If people decide to put all their money in one big jar, that's about the same idea as a bank account I guess. Either way it's nobody's buisiness, every couple should decide for themselves if it is useful to do so.

reply
nverumind 2012/05/11 16:20:56

Individual

+1
Individual

reply
Wayne TH G 333 2012/05/11 16:13:43

Individual

+1
Couples that share their money seem to have so many arguements over it.

reply
cmdrbnd007 2012/05/11 15:21:42

Undecided

It depends on the couple. My wife and I have a joint but I know many that still have individual accounts.

reply
Piwan 2012/05/11 14:27:29

Individual

+1
i think having shared money accounts is one of the things that causes problems in a relationship!

reply
Tank 2012/05/11 14:26:28

Individual

+1
But whatever they want, it's up to them.

reply
♒ßεllεchεvεllε®♒ 2012/05/11 13:55:41

Undecided

+1
Depends on the couple.

reply
Panloker 2012/05/11 13:23:49

Undecided

+1
I think it depends on how well each individual handles money. If someone in the couple is the kind of person who needlessly spends and splurges on lots of useless things, than that is not fair to the other person in the relationship who actually likes to save and be responsible with money. I think it all depends on the couple and and how well their spending ideals match up.

reply
AM 2012/05/11 12:55:00

Undecided

+2
They should have both.

reply
Jamie Carbonetto 2012/05/11 12:46:41

Joint

The best I've ever heard of this being done is where each person has their own bank account (easier with two different banks) but both are joint accounts. So if need be, transfers can be made, etc. if one isn't able to do it. But for the most part, each account is separate!

reply
L1 2012/05/11 12:45:07

Undecided

+1
That's up to the couple. Some have both, but I'd prefer to have my own.

reply