Time to share?

Question

My SO and I have been together for 5 years, living together for 4 of those. We’ve known each other and been in constant contact for 7 years. 
We are engaged, planning a wedding (for whenever covid is better), and currently TTC our first child (we had a miscarriage last year). We have a cat and a dog together. 
As of right now, we live in a rented townhouse. In March 2021 our lease is up, and we’ll be buying our first home! 
He works a great job and makes about 2x what I do, as I just babysit one child so I can be at home, due to a chronic illness. Nonetheless, love my job. 
Anyway, lately he has been extremely stressed about finances. We’re doing well, and have a ton of help if needed, though we haven’t so far. I think because the home buying process is getting closer, he’s starting to get more anxious. 
For the past few months anyway, I have been throwing around the idea of combined bank accounts. Or just one combined account that we pay bills out of and save in. Then we could have our personal accounts for flexible spending. I would have to talk to him about what would work best for us, but do you think it’s a good move? 
I’m just super apprehensive. I think it stems from seeing so many failed relationships, and most of the time one person ends up worse off. It took a year of convincing to have my name put on our mortgage when we buy next year. But at the same time, I feel extremely secure. What do you think? Is it a good time?

Answer

We’ve been married 3.5 years and still keep separate bank accounts. We share all the bills (do a tally of expenses every month) and decide together about any large purchases, but we both like having control of our own money. We got together in our 30s so both already had some assets and have pretty good jobs. This is all to say do whatever works for you and your relationship.

Answer

I've had a shared account with my husband for about 2 and a half years now and it's what works best for us. Some people can do it and others cant. We just happened to get one together whenever we moved into our first rented house together and we were still just dating then(he had already proposed). Its very convenient and we both trust each other with our spending habits

Answer

So a bit different, but I have an account that my so deposits all his money into. He finds it easier as I am the one who makes sure all the bills are paid, I shop for the house, etc and it’s always been that way. So it’s kind of like having a joint account as I let him use my card for whatever he wants/whenever he wants, and he can get money out whenever he wants or I get it for him. It’s never been a problem for us to have one account, as we trust each other to discuss our finances and we always discuss any big purchases.

Answer

We have joint accounts since we got married and it’s worked well for us.  We don’t have any separate accounts.

Answer

My husband and I have a joint account we also have separate personal accounts

Answer

I’m a housewife and we have joint bank accounts. It’s easier to manage finances and hit our financial goals. Me, being the control freak that I am, manage every single penny that comes into our accounts. (Account 1) Bills, (2) Expenses, like groceries and gas, (3) Personal spending accounts.
We discussed all this before we got married. He knew exactly what I expected and he found it reasonable and really likes the joint accounts.

Answer

My husband and I had separate bank accounts until about 2 years into our marriage and then we got a joint one. It’s waaaaay easier than having separate accounts and having to coordinate bills. 
As long as you feel you can trust each other then it’s a good idea in my opinion. Having a joint one for bills and then Speer are for spending is a good idea too. Just talk to him about it and you guys can see what works best for y’all.

Answer

My hubby and I always had separate bank accounts and I would always give him money for my portion of bills. Like you guys my hubby makes way more than I do but I would still pay my share even if it wasn't as much. But once we bought the house we decided to open up a joint account. We got .25% off on our interest rate for having auto deduction for the mortgage so now we use that account for all our bills. We still have our separate accounts for everything else and for savings

Time to share?

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