Yours, Ours, Mine : Whose is it?
By SomeCowgirl
@SomeCowgirl (32189)
United States
August 3, 2008 12:01pm CST
I have seen a few people here respond, discuss or comment saying that it's "my" money or "his" money, but never do I hear "our" money. So I wanted to ask everyone here how they see the money that you and your husband / bf / or fiance as well as or either wife / gf / fiance make? Do you have a separate bank account from your love? Or is it joint? Why do you have it like that?
My fiance and I call the money that the both of us make as "our" money because I feel as if it is and I know he does too. We are together and are obvious going to be wed, and therefore we feel we might as well call it our own. We will be earning the money for our own wedding , and I really don't see myself talking to someone and saying "oh well he paid for the food." Okay so it's proper to say that when it comes to the ring, however for everything else regarding the wedding or otherwise, I'll say "our money" or feel it's proper to. We used to have a joint bank account but we closed that and I started banking at his bank because A. We wanted a closer bank and B. Paypal doesn't let you withdraw to same bank accounts.
So whats your own opinion on this? Have you also seen it?
I appreciate and all discussions that are presented here but I do hope that you will take it seriously. Have a wonderful and lovely day!
3 people like this
11 responses
@checapricorn (16060)
• United States
4 Aug 08
Hi SOmeCOwgirl,
That is very true! it should be called "ours" and not just money but almost everything that you have!
ANyway, in our case, we decided to have a joint account as well as individual account! Those individual accounts were our old accounts when we were single and we just decided to just let it be and have some plans for our major projects in my Country!



2 people like this
@SomeCowgirl (32189)
• United States
4 Aug 08
I like having a joint account, but for right now we don't as we closed it out as we didn't like the bank and wanted it to be closer. I appreciate your response to me, and good luck!
1 person likes this
@kenzie45230 (3560)
• United States
3 Aug 08
Personally, I think that there should be his, my, and our money. Most of the money should be in a joint accout - our money - from which bills are paid. But each individual needs to have access to money that is his/her own. Having to ask for money is not something any person should have to endure. (I know. I've been there and it's quite demeaning.)
2 people like this
@SomeCowgirl (32189)
• United States
3 Aug 08
I don't see where the joint "our" account can't be used as everyone's money. It's kind of silly to have different accounts. I can understand one different savings account, but honestly i'd consider that joint as well. It's just odd for me to do that, I guess to each their own. I trust my fiance and he trusts me. I appreciate your response to me, have a wonderfully lovely day.
1 person likes this
@lingli_78 (12821)
• Australia
4 Aug 08
i have my own money, my hubby has his own money and we have our money as well... :-) weird isn't it??? but that is how it works in my house... i just feel safe if i have my own money instead of putting all my hard earned money in joint account... in case something happened, then i won't be penniless...take care and have a nice day...
1 person likes this
@SomeCowgirl (32189)
• United States
4 Aug 08
I am glad that you have it the way you want it to be. I can understand what your saying, but I would much rather have a joint account. To each their own I suppose. Have a wonderful day!
1 person likes this
@coffeebreak (17797)
• United States
3 Aug 08
Well, me and my daughter married men that belive money he earns is HIS, money I earn is OURS. When OURS doesn't cover everything, he'll pitch in, but what isn't needed is his to spend as he wants. We have to ask for money and he decides if he will give us any.
I promote to anyone that cares to listen....keep yourself your own accounts. Don't merge everything. Have a joint checking account for all the house hold bills and such, but have your own account and keep some money in there for yourself. Even if it is just asavings account, keep it for yourself. You won't be sorry.
Plus...if at all possible, don't let him know you have as much as you have. I scrounged and did without and did coupons to stretch the dollars and literally saved pennies until I 'd saved a hundred or so. THen I was proud of what I'd done, told him about it, and suddenly the next month - boy oh boy, we were short that exact same amount as I had saved! And he didnt' know how we were going to pay the bills. Knowing that I put myself last and everything else first, he knew that I'd offer my savings. I tested this several times, just cause I couldn't believe it myself, but sure as God created little green apples, it happened 3 times in a row. So I stopped telling him about my savings. Hum...suddenly we weren't short to much any more!
Love and all - fine and dandy but look out for yourself. Love has nothing to do with it. It's about yourself and just because you are married and love and all, doesn't mean you can't have something for yourself.
1 person likes this
@SomeCowgirl (32189)
• United States
3 Aug 08
Well I'd have to disagree. My fiance and I love one another, and we won't take any money without asking. I'll be doing all of the finances anyway, I just find it cruel to withhold money from someone. If you love someone you wouldn't have to ask, you wouldn't need to withhold how much you have from him. I appreciate your response, and I am very much sorry if I offended you. I just wanted to state my keep on this. Have a wonderfully lovely day.
1 person likes this
@coffeebreak (17797)
• United States
3 Aug 08
No offense taken. Most certainly not! I am just telling what happened to me and my daughter - if it is something you can use, great, if not, you do it your way. That's how life works.
And like I said, love has absolutely nothing to do with it. What is wrong with having something for yourself? Just cause you are married, doesn't mean you can't have something for yourself and creating something on your own.
I have been married 31 years and we still love each other and things are fine.
However, I lived like this for the first 20 years. 10 years ago I came to this conclusion and started doing as I said above and now I have a nice savings for myself - considering I was never fortunate enough to work for any company that had retirement, 401k or related savings and although we have his, it is nice to know that I have something that I did on my own, for my self and with no help from others. If I want to make it "our" money, I can -that is MY choice. If I want to keep it for myself - that is MY choice. Marriage is all about 2 people, but if those 2 people can't make decisions for themselves, there isn't 2 people in the marriage..just one making all the decisions.
If your way works for you, then you have your decision. You made the decision to do it your way of combining all finances. If your fiancee says, he will be the one making all the decisions...are you still going to marry him or will you break the engagement?
1 person likes this
@SomeCowgirl (32189)
• United States
3 Aug 08
Trust me, he won't but if he did I wouldn't break the engagement over it.
2 people like this

@gemini_rose (16264)
•
4 Aug 08
Well I do not work but any money that comes into the house is our money. All the money earned in a month goes into our joint account and then I am responsible for making sure the bills are paid and shopping and that. Whatever is left gets split between us.
We have always been like this, it is more easier for just one of us to be in charge of finances.
1 person likes this
@SomeCowgirl (32189)
• United States
4 Aug 08
I think it is easier for one person to deal with it as it means no confusion or possible overdrawing. I appreciate your response to me and hope that you have a very wonderful and lovely day.
1 person likes this
@Hatley (163772)
• Garden Grove, California
4 Aug 08
hi somecowgirl we had three account,his,and hers,and ours,
ourswas to pay household bills and the mortgage and all
'that went into up keep and gas of course. His was his own money and hers was my own money, we never fought over money as
we had it set up right . other things maybe but not
money.
1 person likes this
@SomeCowgirl (32189)
• United States
4 Aug 08
I actually think that's not to bad of an idea, it's almost like a saving account for the each of you and then one for your bills. I suppose that's not really a bad idea! I appreciate your response to me!
1 person likes this
@lisado (1227)
• United States
4 Aug 08
In our home it's "our" money. My husband works while I am a SAHM, but he insists that it's "our" money since I take care of the household, our sons and him. We share everything, bank accounts included. A couple that we know has been married for 6-7 years and they have their own money. She has her account and he has his. He pays certain bills from his account and she pays others. If one of them runs short on a payday, like when she takes off work because she or one of the kids are sick, they actually borrow money and pay it back to each other. My husband and I think it's weird, but they're happy that way. They both say that since they got burned by their ex's so badly when they had joint accounts that they prefer it this way. It's a trust issue as far as I'm concerned and if my husband wanted to have his own accounts I'd get the impression that he doesn't trust me. Some people are happy having "mine" and "your" money, but when my husband and I got married we went into everything as a couple, so there is no "mine" and "yours". It's ours.
1 person likes this
@SomeCowgirl (32189)
• United States
4 Aug 08
I kind of think it's weird that this couple does this as well but in all honesty it really is understandable. I see what your saying about trust though, but in this couples situation it's hard to tell. I agree that when you get married, everything is "ours". For Richer or For Poorer. I hope you have wonderful day.
1 person likes this
@ruby222 (4847)
•
3 Aug 08
Im going to sound old fashioned here,but the money is OURS ..what little there is of it!lol and theres no such thing as mine and yours in a marriage,if you wed then you become one and work as a couple,otherwise theres no point!you have to pull together,go through the rough and the smooth together,that is married life,and it makes you stronger.
@SomeCowgirl (32189)
• United States
3 Aug 08
I agree with you, i'm old fashioned myself and believe that the money is ours. It's funny that I didn't think about this before but one of the vowels is for richer or for poorer! Well have a wonderful and lovely day!
1 person likes this
@hellcowboy (7374)
• United States
3 Aug 08
I have seen several people on here who have said my money or his money or her money instead of their money which is wrong if you ask me,if you are dating,engaged,or married to a person then it should not be his and her money it should be their money because it is the right thing,and I agree the money we make we call our money,just like the stuff we own we call ours,since we are together and are going to be wed sometime next year,and I think you are right that when it comes to the wedding it is only proper to say our money,because it is our wedding,and yeah we used to have a joint account but we closed it,and now both have an account at mine and my parents bank so that we the bank is closer and we both have an account to draw the paypal money into,even though when we get married we will put both our names on one account instead of having two accounts,I love you.
1 person likes this
@blackmantra_x (2732)
• Philippines
4 Aug 08
Good day.... I agree that there should be a joint account and separate ones so one can have his/her account from which they can use from time to time to buy the things that they want or needed. It's hard to have money matters or arguments.
@SomeCowgirl (32189)
• United States
4 Aug 08
I actually did not say that but I do appreciate your response to me just the same! have a wonderful and lovely day!
1 person likes this
@tamarafireheart (15384)
•
3 Aug 08
Hello SomeCowgirl,
All the best for your forth comning wedding, I had my own bank account years ago but when we got married I never bother to change it but now tha I am unable to work my disablity money goes straight into my account. Myhusband pays for the and all the bills so I buy the weekly food. I like to have my own money as I like my own independant, if I want something I don't have to ask him and he does the same but do help each other out if we are short.
Tamara
1 person likes this
@SomeCowgirl (32189)
• United States
4 Aug 08
I can understand that, and as long as the two of you are happy with it, it works. I don't really like the separate accounts, but to each their own. I appreciate your response to me.
1 person likes this











