Joint Account
March 25, 2008 – 7:49 pmDo you have one? Was it an easy decision? Mine wasn’t.
The more people that I tell the more that they caution me that it’s one of the big steps and to look out she will be asking for a ring next (I’ve already encountered that one)
My hesitation isn’t complex, it’s quite simple - I didn’t want to be held accountable.
I’m great when I need to save for a goal I’ve got no problems putting money away when I need to.
When I do have money I enjoy spending it, on nights out, on my new crumpler bag or looking forward to new camera lens.
I never saw the problem in spending money if I had saved for it, I had made the conscious decision to buy something and months ago started saving and months later still want it. But now I am no longer justified in buying said item - the logic doesn’t make sense to me. The rational does, “well now that you have saved the money you might as well not spend it and save it for something more useful’ I was astonished to say the least.
This is why I have still kept my original account and will continue to be paid into that for as long as I can, because I think that why I have saved I have the right to spend.
2 Responses to “Joint Account”
Definitely a big step. We didn’t have one until we bought the flat, and we almost exclusively use it for shared expenses - mortgage, bills, groceries etc. The money we each earn sits in our own accounts - he spends his and I spend mine. I would never dream of telling him what he could or couldn’t spend his cash on, and would go berko if he tried to tell me!
Having said that, I value his opinion, and if he thinks something is too expensive, he’ll tell me, and vice versa. Sadly, if either of us have great wodges of cash lying around we tend to put it straight on the mortgage…how depressing.
Whatever you were saving for, I think you should go for it. If you’re that worried about what she’ll say, remember that it’s easier to ask for forgiveness than permission
By Marika on Apr 13, 2008
I’ve heard of that before (it’s easier to ask for forgiveness than permission) I just don’t know where from
Well to be honest we are both working towards the same goal so it’s not so bad.
It’s just those once in a while purchases that I want.
By Renwick on Apr 15, 2008