Quote:
Originally Posted by edslunch
I’ve done it both ways. I hated having a joint account early on when money was tight. You never knew if you were both spending the last $. We didn’t want to get into budgeting to that level. The better approach for us was to have separate accounts, divide up the regular payments between us, and deal with variable expenses like groceries depending who was doing the shopping or who had more cash that month.
20 years on we know our spending habits and do 90% of our spending and bill payments with Visa to get points and pay it off every month. I do NOT recommend that as an approach when you’re getting started.
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I don't understand why you wouldn't do this all the time. Unless you really can't control your spending. Leaving money on the table...