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06-01-2021, 03:59 PM
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#18676 | | I contribute to threads in the offtopic forum
Join Date: Dec 2001 Location: Vancouver
Posts: 2,830
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No joint accounts here. I earn about double what my wife earns but my income is highly inconsistent so I pay the bulk of the major expenses (house related, bills) while my wife covers the day-to-day (groceries, household) especially when we're out together. Because we're also both self-employed we pay our separate work related expenses. Whatever money that's left we lump into savings wherever there is room.
We've been together 14 years (5 of those married) so I'm sure we discussed joint accounts before but nothing more than passing conversation. Been working fine for us as I figured what's the difference it's the same pool of money anyway. If one of us is short we just ask and move money around and we always run by non-daily expenditures with each other. Though my wife doesn't track her spending and is disorganized I'd rather her handle her own finances just so there's some accountability.
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"Harvey Belafonte ain't black. He's just a good looking white guy dipped in caramel. " - Archie Bunker | 
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06-01-2021, 04:15 PM
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#18677 | | Willing to sell body for a few minutes on RS
Join Date: Jul 2001 Location: Cloverdale
Posts: 11,580
Thanked 3,789 Times in 1,349 Posts
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| Quote:
Originally Posted by supafamous  Spending frivolously whether you're in a shared account or not is going to be an issue - like a friend of mine who bought a new car without getting it approved by his wife. Shared money or not, he was in DEEP trouble the moment he signed the paperwork.
| Lol, I've done that with a new motorcycle she was like cool what colour you get?
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“The world ain't all sunshine and rainbows. It's a very mean and nasty place... and I don´t care how tough you are, it will beat you to your knees and keep you there permanently, if you let it. You, me or nobody, is gonna hit as hard as life. But ain't about how hard you hit... It's about how hard you can get hit, and keep moving forward... how much you can take, and keep moving forward. That´s how winning is done. Now, if you know what you worth, go out and get what you worth.” - Rocky Balboa | |
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06-01-2021, 08:04 PM
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#18678 | | Rs has made me the woman i am today!
Join Date: Mar 2006 Location: Vancouver
Posts: 4,297
Thanked 3,103 Times in 1,438 Posts
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We have an agreed upon amount that goes to joint to cover our expenses.
Recently most of my money started going into the joint to pay for the mortgage we took out for the house.
Generally we discuss large purchases that are more than $500. It's a respect thing as it affects the whole family when you splurge. Car parts not withstanding lol.
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06-02-2021, 07:36 AM
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#18679 | | RS has made me the bitter person i am today!
Join Date: Apr 2003 Location: Vancouver
Posts: 4,865
Thanked 1,057 Times in 429 Posts
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I make about 65% of the house hold income so i pay 65% of the house hold expenses. She pays 35%. We add in alittle extra for yearly vacations or unexpected expenses. All comes out of a joint account.
The rest of our money goes into our own personal accounts for us to spend on how we please but like suprafamous said, we discuss big purchases to avoid any disagreements.
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06-02-2021, 09:18 AM
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#18680 | | RS.net, helping ugly ppl have sex since 2001
Join Date: Apr 2004 Location: Vansterdam
Posts: 8,090
Thanked 1,825 Times in 949 Posts
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Split accounts here and the arrangement is that she takes care of the mortgage and I take care of the rest(Strata fees, Ptaxes, Hydro, Gas, TV, Internet, other streaming services). As for groceries there isn't a designated person but due to my work schedule and me being more available to do the shopping I usually end up paying for most of it. Also I take care of every single thing in the house so when it comes to buying something the house needs from something as simple as replacing the water filter in the fridge to buying a new TV that's me as well. With that said, on paper it looks pretty one sided that she really only pays for 1 thing but in terms of actual dollars it's probably fairly even to be honest.
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"back at the line to Babych.... LONG SHOT....Potvin had trouble with it....ADAM SHOOTS SCORES!!!!
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06-02-2021, 09:52 AM
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#18681 | | Even when im right, revscene.net is still right!
Join Date: Jan 2013 Location: Vancouver
Posts: 1,385
Thanked 621 Times in 203 Posts
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Interesting topic... did RE slow down already? Haha
We do only 1 joint account. All our pay goes into the account. It’s too hard to keep track what money belong to who especially with 2 kids. We do have separate savings account for RESP and repaying the first time home buyer RRSP loan but again those are joint.
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06-02-2021, 10:04 AM
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#18682 | | RS has made me the bitter person i am today!
Join Date: Apr 2014 Location: Van
Posts: 4,798
Thanked 2,014 Times in 1,069 Posts
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06-02-2021, 10:16 AM
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#18683 | | My homepage has been set to RS
Join Date: Jun 2013 Location: Burnaby
Posts: 2,452
Thanked 2,933 Times in 781 Posts
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Originally Posted by quasi Lol, I've done that with a new motorcycle she was like cool what colour you get? | I feel like you might be in the minority here..
Sounds like a healthy relationship though.... Geese, what a bunch of losers.. haah jk.
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06-02-2021, 10:35 AM
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#18684 | | I have named my kids VIC and VLS
Join Date: Oct 2001
Posts: 37,994
Thanked 15,174 Times in 6,083 Posts
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You gotta find a partner who likes the same frivolous shit you do lol, that’s the key
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Dank memes cant melt steel beams
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06-02-2021, 10:49 AM
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#18685 | | To me, there is the Internet and there is RS
Join Date: Apr 2007 Location: Okanagan
Posts: 16,797
Thanked 9,482 Times in 4,138 Posts
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Different frivolous shit at least staggers the costs a bit. If it's the same then you're buying double of everything all at once lol.
__________________ 1991 Toyota Celica GTFour RC // 2007 Toyota Rav4 V6 // 2000 Jeep Grand Cherokee
1992 Toyota Celica GT-S ["sold"] \\ 2007 Jeep Grand Cherokee CRD [sold] \\ 2000 Jeep Cherokee [sold] \\ 1997 Honda Prelude [sold] \\ 1992 Jeep YJ [sold/crashed] \\ 1987 Mazda RX-7 [sold] \\ 1987 Toyota Celica GT-S [crushed] Quote:
Originally Posted by maksimizer half those dudes are hotter than ,my GF. | Quote:
Originally Posted by RevYouUp reading this thread is like waiting for goku to charge up a spirit bomb in dragon ball z | Quote:
Originally Posted by Good_KarMa OH thank god. I thought u had sex with my wife. :cry: | | 
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06-02-2021, 10:50 AM
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#18686 | | linguistic ninja
Join Date: Aug 2001 Location: Vancouver, BC
Posts: 16,196
Thanked 3,912 Times in 1,421 Posts
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Joint account for Housing costs (Mortgage, Strata, PTax)
Separate accounts for everything else but we don't spend much on frivolous shit generally. I usually foot the bill big ticket items for any trips but she'll pay for incidentals. Continuing to Max out RRSP/TFSA, once that's done may consider opening Spousal RRSPs but need to understand the tax implications better. My Salary is about 50-30% higher depending on how much OT she pulls.
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06-02-2021, 10:52 AM
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#18687 | | I subscribe to the Fight Club ONLY
Join Date: Aug 2007 Location: Paradise, BC
Posts: 7,044
Thanked 6,792 Times in 2,747 Posts
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Originally Posted by underscore Different frivolous shit at least staggers the costs a bit. If it's the same then you're buying double of everything all at once lol. | Yes, so glad that the wifey isn't a car nut like me. Having a single car mod budget is already bad enough. And we'd need a 6 car garage + workshop space if she was also into cars LOL~
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06-02-2021, 11:31 AM
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#18688 | | Performance Moderator
Join Date: Jun 2001 Location: Richmond
Posts: 16,828
Thanked 17,623 Times in 5,902 Posts
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^
but then she could be a cargirl on IG and get sponsored for everything (while pretending that you don't exist because she'd lose male fans)  | |
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06-02-2021, 03:22 PM
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#18689 | | Rs has made me the man i am today!
Join Date: Mar 2011 Location: Vancouver
Posts: 3,067
Thanked 2,918 Times in 1,251 Posts
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Originally Posted by Special K Interesting topic... did RE slow down already? Haha
We do only 1 joint account. All our pay goes into the account. It’s too hard to keep track what money belong to who especially with 2 kids. We do have separate savings account for RESP and repaying the first time home buyer RRSP loan but again those are joint. | Is that your way of saying that you each love your kids different amounts? 
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Gone: 2007 Acura TSX, 2008 Mazda 3 GT, 2003 Mazda Miata LS, 2008 Mazda Miata GT PRHT, 2003 Mazda Protege 5
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06-02-2021, 03:22 PM
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#18690 | | My homepage has been set to RS
Join Date: Mar 2008 Location: Vancouver
Posts: 2,193
Thanked 5,428 Times in 864 Posts
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Originally Posted by 68style ^
but then she could be a cargirl on IG and get sponsored for everything (while pretending that you don't exist because she'd lose male fans) | Sad reality... Anyone else you'd actually have to create interesting content while if you're a chick all you need is a pair of titties holding a box wrench and instant 100k+ followers.
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06-02-2021, 03:27 PM
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#18691 | | OMGWTFBBQ is a common word I say everyday
Join Date: Apr 2001
Posts: 5,034
Thanked 2,552 Times in 1,158 Posts
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Didn't think there would be such huge disparities in income between partners/spouses, but here we are.
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06-02-2021, 03:42 PM
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#18692 | | My dinner reheated before my turbo spooled
Join Date: Jan 2008 Location: Vancouver
Posts: 1,738
Thanked 939 Times in 308 Posts
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Wife makes just as much as me. She'll ETF me every month 2k and add extra for any big bills like property taxes etc.
We both have our own savings and agree not to make big purchases without each other permission.
So far so good. Married myself a bread winner.
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06-02-2021, 04:03 PM
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#18693 | | Willing to sell body for a few minutes on RS
Join Date: Jul 2001 Location: Cloverdale
Posts: 11,580
Thanked 3,789 Times in 1,349 Posts
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Originally Posted by Tapioca Didn't think there would be such huge disparities in income between partners/spouses, but here we are. | I agree, I know in the case of my wife she's content with her Government job and her Govt. Pension however I guarantee if she went into the private sector her salary would double over night for the job she does and the size of team she manages.
We don't pay guys that much less to sweep construction sites, it's criminal lol.
Edit: last year I made 80% more than my wife did but she does have a pension and I do not whatever that's worth. To be fair I also worked two jobs, my day job and subcontracting estimating services on the side for others on weekends and evenings.
__________________
“The world ain't all sunshine and rainbows. It's a very mean and nasty place... and I don´t care how tough you are, it will beat you to your knees and keep you there permanently, if you let it. You, me or nobody, is gonna hit as hard as life. But ain't about how hard you hit... It's about how hard you can get hit, and keep moving forward... how much you can take, and keep moving forward. That´s how winning is done. Now, if you know what you worth, go out and get what you worth.” - Rocky Balboa
Last edited by quasi; 06-02-2021 at 05:24 PM.
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06-02-2021, 04:42 PM
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#18694 | | I contribute to threads in the offtopic forum
Join Date: Nov 2004 Location: East Vancouver
Posts: 2,605
Thanked 966 Times in 248 Posts
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I guess ill chime in as well. Me and the wife have our own accounts with one joint account for paying mortgages, bills and joint credit card. We each manage our own personal accounts, credit cards and investments.
Wife made more than me for years until recently where I have caught up and at times making more.
My wife is a little too frugal where I am just happy to see her spend some money on herself from time to time.
Gotta say I married myself a bread winner as well. Been busting my ass off at work to finally get on her pay level.
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06-02-2021, 04:50 PM
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#18695 | | Waxin’ Punks
Join Date: Jun 2006 Location: South Surrey
Posts: 7,217
Thanked 6,101 Times in 2,111 Posts
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Ugh I’ve been biting my lip for a couple pages now. I’m the sole income earner, we decided she’d stay home and raise the kids since childcare is expensive af. We have 3 kids.
Well now they’re all in school so she could get a part time job and has thought about it, but hasn’t made the leap. Now she wants a pool. I told her, get a job and save every penny to get yourself a pool. Hell, start a blog/vlog called wifeygetsherpool.com and document it.
Still not there yet. Life would be SO much easier if she made half of what I do, let alone the same amount. Congrats to Ludepower you sunovabitch 
Don’t get me wrong, I’m not complaining or calling her out. We made the choice 14 years ago and our youngest just started kindergarten this year. Plus she taxis them to all the ortho appointments etc while I’m busy with work but holy shit I can’t help but read this and think, man it’d be nice if wifey had some income pouring in as well.
But now I guess it’d fill the pool since my dumbass made the offer 
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Originally Posted by MG1 punkwax, I don't care what your friends say about you, you are gold! | Quote:
Originally Posted by mikemhg What do your farts sound like then? | | |
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06-02-2021, 05:03 PM
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#18696 | | My homepage has been set to RS
Join Date: Mar 2004 Location: East Van
Posts: 2,160
Thanked 854 Times in 422 Posts
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Wife and I have a joint account for everything. She makes about 80% of my salary. We first established a joint account and then separate spending accounts when we got married, but I quickly realized that she is as much of a saver as I am. A big purchase for her is a new pair of runners because her old pair is falling apart.
I don't think of it as my money or her money - we are a team and we both trust each other. Also helps that we have the same interests. Any purchases over $100 we run past each other.
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06-02-2021, 05:14 PM
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#18697 | | Need to Seek Professional Help
Join Date: Jan 2005 Location: Van
Posts: 1,051
Thanked 542 Times in 291 Posts
Failed 27 Times in 15 Posts
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Wife makes about 80% of my salary. We have separate accounts and a joint account for our mortgage. I have the majority of the financial knowledge between the 2 of us but we are both pretty frugal and we talk to each other about all purchases so we’ve never felt the need to combine our accounts. We pay expenses like taxes/insurance/utilities according to whom it’s more convenient for (ie. who’s email we used to register online or for reminders). She knows my financial assets, and I know hers. We have a HELOC through her bank, so we just manage it through her.
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06-02-2021, 11:33 PM
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#18698 | | SiRVs up, dude
Join Date: Jan 2004 Location: Outerspace
Posts: 4,771
Thanked 345 Times in 178 Posts
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Haven’t posted in this thread in ages - but just joining in here to add to the data pool as this is a interesting discussion. Wife and I both have our separate accounts and one joint pooled account that we contribute monthly to. Thank god for this because my spending is insane sometimes and hers not so much.
My wife makes 65% of my ‘personal salary’
But only 20% of my total annual salary (personal + corporate - taxes)
Since the corporation is under my name - we’ve decided that the contribution should be 20 her-80 me… and that kind of sucks since I can’t really spend the corporate cash as I will be paying a shit amount in taxes. Some months I feel like I am living in poverty b/c I’m paying our joint account more than I pay myself - thankfully though our joint account is pretty sizable now and we are due for a long awaited vacation.
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06-02-2021, 11:41 PM
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#18699 | | Even when im right, revscene.net is still right!
Join Date: Jan 2013 Location: Vancouver
Posts: 1,385
Thanked 621 Times in 203 Posts
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Originally Posted by supafamous Is that your way of saying that you each love your kids different amounts? | Hahaha. Everything is joint. We just open a separate joint savings account for our kids RESP.
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06-02-2021, 11:49 PM
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#18700 | | Even when im right, revscene.net is still right!
Join Date: Jan 2013 Location: Vancouver
Posts: 1,385
Thanked 621 Times in 203 Posts
Failed 103 Times in 22 Posts
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Originally Posted by punkwax Ugh I’ve been biting my lip for a couple pages now. I’m the sole income earner, we decided she’d stay home and raise the kids since childcare is expensive af. We have 3 kids.
Well now they’re all in school so she could get a part time job and has thought about it, but hasn’t made the leap. Now she wants a pool. I told her, get a job and save every penny to get yourself a pool. Hell, start a blog/vlog called wifeygetsherpool.com and document it.
Still not there yet. Life would be SO much easier if she made half of what I do, let alone the same amount. Congrats to Ludepower you sunovabitch
Don’t get me wrong, I’m not complaining or calling her out. We made the choice 14 years ago and our youngest just started kindergarten this year. Plus she taxis them to all the ortho appointments etc while I’m busy with work but holy shit I can’t help but read this and think, man it’d be nice if wifey had some income pouring in as well.
But now I guess it’d fill the pool since my dumbass made the offer | Think about how much you saved in childcare by your wife not working. Taking care of 3 kids, cook meals and clean is a lot of work. There’s no down time.
I get a very nice parental leave at my job but I bet no one will survive past 2 days with only me with 2 kids.
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curious how to run this in the future though. I'm just on here looking at houses and cars when ppl post up their wedding pics and kids 
