Joint Account Question : Personal Finance - You Need A Budget

Alternatively-if you are spending based on category values does it really matter where it is at? (This argument could be used to argue for either approach). I'd want to dig down to what her reluctance stems from.

For the first few years of marriage hubbie and I had separate accounts-and he was TERRIBLE with money. Both our names were on each account and when his overdraft was drawn out of MY account there was terrible wrath and I made him go open an account at a different bank so that wouldn't happen again.

A few years later, a couple of kids, a lot of growing up (on both our parts), and switching to a single income family we've 100% combined our finances. There is no longer any 'my' or 'your' money (unless you count the $50 of fun money we each get every month).

We've put all our money into a single interest earning checking account, and YNAB has really brought us onto the same page. Before YNAB the hubbie felt he never had any of his own money, and didn't understand that NEITHER DID I! When YNAB came along and we could sit down and budget together, lo and behold, he realized that just because I made the income didn't mean I had all this free money to blow-it was all spent on household stuff. (I'm still not sure if he thought I was secretly making high dollar Ebay purchases and shuffling them off to my parents house before, or what?)

We each have categories that our primarily 'mine' and 'yours'. I spend all the Household Sundries money, he spends all the Garden/Tools money. Whoever happens to do shopping that week spends the Grocery money. Both of us spend Restaurant money (and usually too much of it!).

If you do eventually combine finances, maybe giving her ownership of certain categories would satisfy her desire to be in charge of her own money. From your posts I'm not sure if you use YNAB together or if you use YNAB for your accounts and she does whatever she does with hers?

Source: http://www.youneedabudget.com/forum/personal-finance-f9/joint-account-question-t21629.html

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