Yes, and we have separate bank accounts ;)
Posted By: nm on 2006-10-26
In Reply to: sm - Mad and Sad
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- Yes, and we have separate bank accounts ;) - nm
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Same here. We have separate accounts and
he has his bills and I have mine. I do know what he makes though and our accounts are linked to the same access so I can at least see what he spends and vice versa.
I see lots of posts from marrieds with separate accounts.
Are my husband and I the last of the money-poolers? We have no separate accounts, and we don't keep track of who paid in more or less to anything. He makes more than I do, but it all goes into the family pot. I do have it easy at tax time, though. Hubby is a CPA. I haven't prepared a tax return since 1983. Haven't balanced the checkbook, either. I just peak over his shoulder. He's self-employed, which is no cake-walk. We pay estimated taxes quarterly and we NEVER get a refund. Even when DH was an employee, we never got refunds. It's a CPA thing. He has a long speech about not wanting to give money to the government interest-free. I don't care. He handles it, and that makes me happy.
How can he check bank accounts
I have my own accounts, that is right, mine, not his. He is not allowed to see my accounts. I have more than him and I do what I please with MY money. I made, received,and had before our marriage so literally it is mine.
Banking accounts
Husband and I have been married for few years now and we definitely do not share our accts. We are on each others accts (as is my older daughter in case of our demise at the same time) but we pay separate bills (he pays house, vehicles), I pay for the smaller and then we split insurance and tax costs on home, vehicles and the like. There is NEVER a problem like this. I spend as I wish, he spends as he wishes and no question in my mind about his acct and he says nothing about mine. We decided this wsy before marriage and it works out great for us.
Eye witness accounts.
fdv
Seperate accounts for about 6 months now - and (sm)
previously seperate accounts. We were on the same account for a couple of years but it caused too many arguments.
Got question about banking accounts
I have my main account in the state where I live, direct deposit from my company and also have another account at the same bank where I get another check each month. My husband has a banking acct in another state (I am also signed onto that acct). I can transfer funds back and forth between my accounts at my bank but I was wondering if there would be any way to transfer a large amount to the out of state account. I know I could go into my bank close by and have the money wire transferred but gosh I would love to be able to do it over the internet, would save me time. Thanks.
at my kids' schools they give out envelopes when their accounts get low...
If they don't give me the envelope, then it's their fault. However, they have never gone without a hot meal at school - they just can't get any extras if their account is in the hole - which is an incentive for them to remember to give me the envelope.
It does bother me that I have two kids and two accounts. If one is in the hole, the other most likely isn't. I don't know why they can't offset each other. My checks are made out to the same thing no matter which school.
That's why there are separate bedrooms - sm
quite a lifesaver in my book, even with that though I can hear him through the wall sometimes. I don't think he has sleep apnea, always associate that with being overweight (he is not at 5 feet 11 inches, 163 pounds); so I presume deviated septum. Of course he won't get it checked out. Unless it was a condition of work he just will not go to a doctor, hopefully I will not become a widow because of his stubborness and fear.
I don't see why you would have to open a separate--sm
account just to deposit that check. Once the bank cashes the check, you get the money. If there are not sufficient funds, that will go against HIM, not YOU. He will have to pay the extra fees, etc. to have the check clear. You get your money, either way. They cannot take it away from you if there is not enough money in HIS account.
Yes, you need 2 separate gifts - sm
I have not been to one of these in so long I do not remember. I generally went with something more personal with a bridal shower gift but we are talking about best friends, and then something for the 2 of them with a wedding gift. You can always give money for both though. Surprised though they are doing a shower, they should have everything they both need by this time in their life. Maybe some nice kitchen towels or knives or something of that nature if you do not want to go personal; for the wedding gift maybe a gift certificate to a local restuarant (something useful you know they will use). If you do not attend though, you do not have to send a gift though a card would be the nice thing to do.
They are 2 separate boards.
You'll find the Christianity board listed right about in the middle of the list of boards to the left. See Gab Board, then Conservatives, then Liberals, then Christianity.
I separate mine from his - see why
My husband is completely financially irresponsible and has no idea how to budget.
After spending two years trying to sort out his last horrible mess, his is his and mine is mine now and will be forever more.
Could be a reason why they separate theirs too.
take dog home with you; put cat in separate room for now.
nm
Going on 10 years, separate monies and
we have absolutely no problem with things. We half up big money items such as house taxes, vehicle insurance, the big bills but then he pays for the home, his truck, my BMW he bought me. I pay the smaller bills such as utilies because I have the smaller amount made. Works great for us. No problems ever.
can you separate the flavor from salt?
no, no more than you can separate the Christianity from the Christian. why should he have to HIDE his Bible in a drawer -- because the mere sight of it offends you non-believers? now THAT is silly. and calling the word of God propaganda is very offensive. Ah, but no so much to me as to HIM. and you will one day be before that 'big guy in the sky' and wishing you hadn't been so foolish.
I filed separate from my spouse at the time--sm
against an old (over 10 years) student loan that I had. That was the only thing I filed against and it was way before my spouse and I had even married. Even though I filed in my name only, it affected his credit too, just because we were married. It continued to affect his credit even after we divorced 10 years later. Better think twice. It is not always a good idea to file bankruptcy as a way out of debt. Cut up those cards and start paying cash for things you want/need. The interest on most of those cards will keep you in debt forever. Been there! but not any more! good luck to you!
Has anyone filed bankruptcy separate from their spouse?
My husband and I have all bills and checking accounts separate except for the cars and we split the household bills. I have a ton of credit card debt and with MT pay being less all the time, was thinking this may be the only way out. I know the spouse doesn't have to file if their name isn't on the account, but is this very hard to do? Thanks for any info.
Some married people have separate accts just like
my husband and I. I don’t know what he has, what he makes each week- the only time we know really is when we do our taxes. He and I have our own banking accts but we are signed on just in case the need arises. It might work for her- does for me.
Separate bathrooms would definitely be great, or 1 huge one. Nix to the double
s
Child support is a separate issue from visitation. nm
x
I'd be totally ticked! Time for a compromise or separate
s
Feed in separate rooms, leave in with food for 1/2hr.
x
Keeping that part of my life separate sounds best -
I have been asked on dates but just have not been interested. I feel stuck just wishing we could all be a normal family again (the 4 of us). I even think ahead to when I'm a grandma down the road and still can't picture me with a new man! I don't know, maybe I'm just destined to remain alone unless I met the guy who was a perfect fit with my kids.
I pay most through my bank
Most banks offer a bill payment option. I get to pick and choose when and what and how much. I love this option as I generally seem to forget to buy stamps! Out of all my household bills, only one is not paid online and it is simply dropped off.
Does anyone not use a bank?
I'm getting so sick of fees and am tired of trying to second guess my bank. Does anyone not use one or not have a checking account?
use a bank
I would recommend trying to find a credit union. They are more user friendly. I have been using one for over 15 years now and never looked back. There are Very few, if any fees and good service. Hope this helps.
bank
I have used a credit union for 31 years. If you can find a credit union in your area, it is the best way to go if you think you have to have a bank. I only have a savings account at a credit union so I can cash my check for free, but I still have to deposit some of it or they will charge me. Otherwise, Wal-Mart will cash your check for a fee and you can buy money orders for like 35 cents a piece at Wal-Mart. that works for me cuz I only have 6 bills, mortgage, gas, lights, water, car insurance, phone to pay. Or listen to financial guru's like Dave Ramsey and see what they have to say about it. Also there is checkfinder.com. They have some rules but may be the best way if you feel like you have to have a bank/checking account.
Thank you! From a Mom who had 2 daughters, serving 3 separate tours in Iraq - twice over Christmas.
.
why do you make your lasagne one day, separate it into meal size portions, freeze it, and eat it for
;
If it is like my bank they will cover you up to $500 -sm
and you have 3 days to payback the bank, which you already did. You did not have anything bounce, so no one will have notices saying not to accept your checks. The bank will be charging you though for their service of covering for you, so you may need to put in another $100 or so to cover that before Friday, check with the bank. You can probably manage your account on-line, check into it, great way to make sure you don't over draw yourself. I try to keep $1000 in the savings account for such emergencies, also with my bank they will automatically transfer the money in from savings to checking if I do overdraft for no charge since I have the money there.
You should have just cashed it at their bank - sm
I know in the past that a bank had to cash a check drawn on their bank; they may charge you $5 to do this if you do not have an account there (I have had that happen recently. Did that years ago when an ex-boyfriend owed me money, took me 2 months to beat $150 out of him; day I got the check from him I took it to his bank and cashed it to be on the safe side.) I have no idea what they do if the funds are not there, but was under the impression they had to cash it no matter what. But if you deposit it, and it bounces you will not see a dime of it and the bank will charge you a couple bucks for their inconvenience. The store will get slammed with a bounced check charge though. The bank should mail the check back to you if it does bounce though so you can re-deposit it at a later date hopefully when the funds are there; at least that is what mine would do when a former employers checks to me would bounce from time to time (and I would be charged $3 for it bouncing which stunk). If you deposited before 2 (sounds like you did not though) you will have the money tomorrow, if it was after 2 then it wil be there on Friday; check in the morning of whichever day is applicable and you will have your answer. Good luck.
I really do not resemble a bank so therefore
do not loan, give money away. The best way you can lose a friend or family members is when money gets involved. I, in your instance, would put distance between me and the other person, sounds like just using a good thing.
I said closing the bank...
…NM
Anyone who has banking with Bank of America
you might want to know that the CEO of this bank has decided to let illegals have accounts here in the United States. No matter they are here illegally. I am in the process of changing banks.
Used to work in a bank, under some circumstances...
they will waive the fees, as another poster said, call them and explain the situation. I would do this occasionally after looking over the person' s account and taking a few things into consideration. Overdraft protection, as stated before, is a great idea too. I keep a $400 to $500 cushion in my account; as far as I am concerned, when I only have that much in there I consider it $0. BTW, how can you not know when DH gets paid? Is he on commission or something? Good luck, call the bank, they should be able to help you.
Also at my bank if you have direct deposit
of your paychecks you can get a direct deposit advance on your check and that does get posted to your account immediately. Has saved my butt more than once! LOL
If you are serious contact the seller/bank- sm
and make an offer. How low they will go depends on how long they have been trying to sell, what they have invested in it. IF the previous owners owed a lot on it, the bank will probably still want fair market value. Years ago I thought about buy the house next door to my parents (about 3500 sq ft with a huge 2 car garage and an old pool that either needed to be filled in or total destroyed and redone), I went through it with the relator. The house was about 30 years old then, the previous owners and their 6 kids had basically destroyed it, burned/scratched up hardwood floors, broken doors, windows, etc. the kitchen was original from 1964 as were the bathrooms, etc. It needed lots of work, a new roof, you name it, it needed it. The bank would not take less than $200K-- I was not willing to spend that kind of money on a house that needed at least $100K worth of work on it. They eventually got some sucker to pay it though; and boy did they spend some cash on it. Looks great now and work about $400K at least, but they probably spent that much to fix it and buy it. --- one note of caution when you buy a forecloser though, I believe previous owner has a year to reclaim the property-- if they show up with back payments in hand, etc. they can take the house back from you, improvements and all and you do not get a penny back. So be subtle in your home improvements or wait a year to do anything major.
My bank has free on-line pay so I pay all
of them except 1 that I have to send in the paper account info on. I also like on-line paying because I can set up my payments in advance for the due date when the bills come in and don't forget to send something in.
New Bank Policy on Credit
I went to the bank today to apply for a new line of credit... they had this sign posted outside the door.
Check to see if your bank has any programs
Wachovia has a "way to save" account. Every time your use your debit card, they take $1 out of your checking account and put it in a savings account. We have been doing that for about a year now and have built up about $1500. It's nice because it's automatic and you don't even have to think about it.
I have 4 bank accts and pay no fees at all.
nm
"I ran over your mother in line at the bank
That was a cute game!
he did not handle money at his last job with a bank.
Just because a person has bad credit, does not mean he's dishonest. He did not bounce checks. He did not live beyond his means. He got caught in a layoff. It's a huge stretch from being jobless to embezzlement for crying out loud. There are many jobs at a bank that do not have anything to do with money.
The way things are going with this economy, some of you might be in this situation. I'll be sure to thumb my nose at you when you start wondering what happened.
Is there a debit card available where a bank
?
file garnishment on bank account
so it hits his account the same day he deposits pay checks (usually Friday).
Lawsuit! How to find a company's bank?
Ok, this is it and hope you can help me. I purchased a dinette suit 04/01/2006. The company said 4-6 weeks before delivery. Paid $640.93. I never got my furniture. I called, got very few calls back from them and finally decided last July after asking for my money back to file a lawsuit. The company did not answer the first filing in 45 days and then had to put in for a default. Just went to court today finally and got a default. By the way, the company did not appear in court!! Now I can go for a garnishment of the company with this documentation but do not have a clue as to where I would find out which bank this company does business with. If anyone able to give me any insight on this, I would appreciate it. Thanks.
no, nobody knows but the bank, they will cover checks you wrote
nm
Either the bank or Military Surplus store.
There would be only two reasons for me to run away from my home. One reason would be voluntarily, as in winning the lottery--hence the bank. The other would also be voluntary but there would be retribution involved--hence the Military Surplus store.
Either online or by phone with bank card. sm
I can't even remember the last time I mailed a check to anyone.
I'll bet Bank of America isn't liking this
In a revealing example of what she says the average homeowner faces, a California Congresswoman spent more than two hours on the phone trying, without success, to find someone at the Bank of America who could help a struggling constituent modify his mortgage payments. ABC News "Nightline" cameras were rolling as Congresswoman Maxine Waters (D-Ca.) was repeatedly put on hold for long stretches, disconnected, transferred to extensions that did not work and ultimately switched to a recording which directed her to the bank's website.
"The average American trying to negotiate a loan modification will not be able to get it done," said Waters. "It will be impossible for them to get in touch with the right person, and even if they get in touch with a so-called counselor, they have a cookie cutter kind of direction that they go in."
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