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That’s an interesting post. I’m at the other end of the spectrum from you so it’s enlightening to read about your views. For us, we fully merge our money all into one from day one. We also have never argued about money, nor ever involved ourselves in who should pay this, who more or less etc right from the start. We do it this way because We believe when a couple is married, they become one. There’s no you, there’s no me, no yours, no mine but it’s ours. So everything we do, we do it together and there are… Read more »


Hi Homeschoolsg,
Thanks for sharing your opinion on the other side of the spectrum. It’s interesting to read how couples like yourself manage their joint accounts. Yes, ultimately it’s about trust whether the joint account exists or not. I’m happy to read that you and your husband are on the same page when it comes to save, spending and finance management.

Hi Emily, interesting read! I think having a joint account suggests that the separate accounts are private and personal. I have many friends who don’t divulge how much they have in their separate accounts to their spouses (and they don’t know their spouses’ account balance either). I think it is a selfish way of looking at a marriage. Imagine one party scrimping and saving away thinking that they are short of money when in fact the other half has a fat account. A couple should enjoy and go through hardship together! For us, we have separate accounts and no joint… Read more »


Hi Daddy Darren,
Thanks for sharing your view on this topic, and I’m glad to hear that your arrangement works well. I totally agree with you that a couple should enjoy and also go through hardship together. It’s unfair if one party is saving and the other party is spending it away.

Btw, you have a really nice blog too!


i think this is something all husband & wife have to have a mutual agreement on the shared finances for the household especially when children are involved. For myself, we have a joint account that we both contributed at certain percentage into it monthly with additional 10% for bonuses. The money is used for household expenses(groceries, utility, taxes, monthly conservancy), maid, kids childcare, tuition, enrichment classes, yearly insurances. Then we have our own savings account that we maintain ourself, we dont ask about who has how much, but we roughly know how much each person is saving(lol). im a spender,… Read more »


Dear Mico,
That’s a very good arrangement. Personally, I like to have my own account and spend on things that I like too. And since it’s my money, he doesn’t intervene much also.

And here’s wishing you and your family and Happy & Prosperous Chinese New Year! 🙂