You and your husband's money

[rhoseiteki]

Since we both have work, my hubby manages his own money...pinapakita lang nya sakin yung payslip. He always divide it into 4: budget for food&bills, his allowance, extra money for me, savings. I don't share expenses sa house, mine is for our luho, my allowance &own savings.

[jhenrheign]

with me, my hubby is a seaman kaya yung allotment ko, ako nagbubudget for one month, plus my monthly salary... yung on-board reserve yun para pag-uwe nya we'll buy the things na need namin... and by december kasi we're planning to buy a house kaya ipon lang namin yung on-board...

pag nandito naman siya, we share the expenses... may pinaglalagyan kami ng money both our moneys... sasabihin na lang namin kapag kukuha kami...

[karaj03]

ako di ko pinakikialaman how much ang ibigay nya.i am actually earning more than he does, kaya sa bills ang usually nangyayari, kuryente kanya,pag may sobra sha like may incentive sha for the month binibigay nya sa akin pambayad ng matrikula, etc etc.wala namang problema sa akin kung pang grocery and pang gastos araw araw sa house is akin kasi nga im earning more.we have 2 kids and nag gagatas pa pareho - pediasure pa yung isa ha.
yun nga lang may ugali ang asawa ko na super kinaiinis ko.
may attitide sha na "pera lang yan". like last weekend nag fontana sila ng mga kapatid nya. nanalo sha ng 5k sa casino. tapos itinxt nya sa akin, yung 4k binigay nya sa dad nya. yung 1k binigay nya sa ate nya (na hamak na mas maganda kita kesa sa amin kasi doktor ang asawa...)..
sa akin naman,walang problema pera mo naman yun at dad mo naman yun. kaso this am, [textspeak!] nya sa akin, kailangan na mag grocery. sabi ko la pa ako pera layo pa sweldo eh. sagot sa akin patay! di ko lang masabi e di kung itinago mo yung napalanunan mo eh di kahit pano may pambili ka ng gatas ng anak mo. inuna mo pa yang kayabangan mo.

ok lang naman na maging generous as long as may sobra ka. kaso di naman kami mayaman at ang feeling nya eh parati akong may bubunutin pag kailangan nya ng pera.

[fabbkr2]

he's giving me all his income then ill give him his baon na lang.

[wickedbone]

bf palang.. does that count?

i'm currently renting a condo unit and he stays with me on weekdays i take care of all the bills.. from rent to assoc fee to water to elec to cable to DSL to laundry.. he helps me with the groceries though.. hati kami dito minsan 

bf and i recently bought a condo unit and we plan to move in as soon as it becomes ready for turnover.. we'd be married by then.. right now, the monthly DP is on him so i give him "free lodging" sa condo na nirerent ko ngayon (parang boarding house lang..  ) i understand how big the DP is so i don't bother him with the bills and all. and same with him, he doesn't ask me to share in the amortization of our future condo because he understands that I don't bring in as much money as he does and i am in over my head with bills already. We are okay with the setup.

It's going to be pretty much like pa din after we get married. We will have individual savings because I'm not comfortable about combining finances. I don't want to know how much he has in his savings account. Gusto ko yung nasusurprise pa rin nya ako.  i can just imagine.. "honey, i got you a brand new car for your bday!" in my dreams! 

[[-c-h-a-]]

He doesn't give me his weekly income but I do have access to his internet banking account and I setup whatever automatic transfers to our other accounts such as utilities, main joint account, emergency account etc. I budget everything and I tell him how much will be transferred to our accounts on what days. The extra money is for him to do whatever he wishes to.

I've got my own money rin naman and I do the same thing, automatic transfers weekly etc. I don't ask for money because I have my own and i always save more kasi he spends more sakin (eat outs, movies etc). Sometimes I would pay for these things myself but most of the time, sya..

[tiramisu_girl]

 After we get married he gave his ATM to me ako na budget for us.

[sweet_cherry]

we dont have our money. Everything should be "my money" lol. Basta I make sure that a bulk of his accounts etc are on my name, para di siya mambabae (siempre walang siyang pang date) tapos sabi ko pa once I cantch him doing something on the side, I will head to greenbelt and use his money to buy a new and expensive bag.

[ebbah]

kami ni hubby we have joint account para sa savings pambili ng mga dream naming mga bagay..we both work kaya meron kaming payroll atm account, nasa akin yung sknya..ako nagwwithdraw, pareho kaming nagmmanage ng money namin..groceries, bills, medicines and other miscellaneous expenses sa kanya lahat ang gastos, cmpre provider siya eh,,hehe! pera ko, pera ko lang..hehe! pangbili ng mga luho nmin, minsan pangreplenish ng mga grocery items...super transparent kami sa pera as much as possible ayaw naming pagawayan ang pera, tama naman yun mga sis dba.

[otherme]

kami naman ni hubby ang setup, i just tell him how much ang dapat nya ibigay per month (fixed na yun per month), then the rest of his sweldo, kanya na. i also have my own sweldo, same din i give my fixed share per month, then yung sobra akin na rin. pero ako ang nagha-handle nun, from bills to savings. kasama sa budget lagi ang savings. pag may mga bonus, he only gets a small part then binibigay na nya sa kin, na dinidiretso ko naman sa savings account namin

[momniloisse]

Samin naman ni hubby ako ang naghahandle ng lahat. Yung atm nya ako din nagtatabi pero when he wants to, sya ang nagwiwithdraw pero everything goes to one wallet, mine. Ako kasi ang nagba-budget ng lahat, allowances and all expenses..

[sexyvamp]

samin si hubby lang may work, abroad, di na ko nakabalik ng work start nung nag asawa ako, nag anak kasi kami agad, hands on ako sa baby namin. kaya lahat ng gastos ka hubby, pinapadalan nya lang ako ng budget namin ni baby, then sya nabahala sa sweldo nya.
pag nandito naman sya, binibigay nya sakin yung uwi nyang pera, peo wala lang parang pinahawakan nya lang sakin kasi sya rin naman umuubos e saka pang gastos din namin sa bahay.

hay hirap pala ng walang trabaho wala tuloy ako sariling pera

[SUTIL]

we just got married 2 months ago.  he's back abroad and dito naman ako sa pinas nagwowork. when we were still bf-gf, never ko pinakialaman ang pera niya kahit nagsama na din kami before.  hati kami noon sa house rent at bills, pero pagdating sa grocery, mas ako kasi ako yung mahilig mamili ng kung ano ano. most of our time we spend out of the house kasi gabi na kami pareho umuuwi..weekends nun minsan lang kami magkasama.

now that we're married, hindi ko pa din pinapakialaman ang pera nya   ewan ko ba, hindi ako naging financially dependent sa kanya. ayaw ko nung aasahan ko siya tapos madisappoint lang ako, parang ganun. ayaw ko din nung nitatanong ako where i spend my money, etc etc so i dont ask him din.

sa sweldo, mas mataas ng konti ang sweldo nya and tax-free siya dun..dito naman sa work ko, minimal lang din ang tax. every month, he sends money for the car (hati kami sa monthly amort..sabi nya magsabi lang daw ako kung kukulangin ako. he took care of the DP naman kasi) and his cc here in pinas.  he saves there abroad, ako din naman dito sa pinas.  aside from that, ala na. my mom tells me to ask money from him..kahit daw extra allowance.  e nahihiya naman ako baka sabihin ok din naman sahod ko bakit pa ako hihingi. besides, he knows na i am maluho kaya baka magsalita pa ng kung ano ano. hehe

ewan ko, but i know sooner or later dapat pag-usapan ito.  actually okay lang talaga sa akin ang kanya kanya, para walang issue pero siyempre pag nagkaanak kami dapat maiba na. hindi ko din mabrought up kasi ito sa kanya, kasi nga nahihiya ako.

[honey_iya]

^mahirap sis ang kanya-kanya kapag may anak na, parang hassle pa yun

dati nung nasa abroad pa si hubby 80% ng sahod nya pinapadala nya monthly. ngayon na dito na sya sa pinas nagwo-work, allowance lang natitira sa kanya. ayaw nya kasi ng kanya-kanya. gusto nya ako mag manage ng pera namin, may work din ako. kaya mas marami akong pera keysa sa kanya hahaha!

[SUTIL]

^nahihiya ako talaga sis eh. sabi nga nila kahit daw paano e dapat may extra money ako from him. e paano ko naman sasabihin yun? hahaha

i give din to my family, konting tulong lang din naman yun...hindi talaga ganun kalaking issue para pagtalunan. siya naman, he's paying for a loan he got abroad na pinambayad niya sa utang nila sa house dito sa pinas. so alam ko may mga binabayaran din siya dun, aside from mataas ang cost of living dun.

ako dito i live on my own din, so lahat lahat gastos ko

[ryl]

Ganito naman setup namin ni hubby, we combine 50% basic net salary namin. Dito namin kunin ang monthly payment for our condo, the rest sa joint savings na. Un ibang bills, like meralco, water, assoc dues, parking...alternate kami sa payment, though madalas sya. The remaining 50%, kanya-kanya savings na un.

[doratheexplorer]

@ sis sutil. same here.. ayoko pakialam ang money nya though i keep his money un nga lang di ko un ginagalaw unless may ipapabili sya..ayoko kasi ng money issue knowing that i spend alot esp when it comes to my luho.. i buy things i want.. saka sanay ako na i have my own money and we discuss about it na i want to have my own bank acct other than ours..

[honey_iya]

^Haha ako naman feeling ko may karapatan akong pakialaman ang pera nya pero pera ko di nya pinapakialaman, di nga nya alam magkano sahod ko anyway, di naman naging issue sa amin yan. di palakwenta asawa ko tsaka nakikita naman nya na di ako magastos.

[shawee]

Medyo confuse lang ako mga sis on what strategy should i make.
Kase kami ni hubby kanya kanya when it comes to our money. dati ok [textspeak!] yung ganitong set up. but now that we have a baby.. prang di na sya applicable. Technically, i'm earning more although half of my salary e napupunta sa mga payables ko(cards,loans,a house which i got nung dalaga pa ko,vacay trips nmin) so what's left is smaller compare to his salary. Medyo hindi kame magkasundo when it comes to money..May transparency pero ang nangyayari decided na sya or nabili n nya saka nnya sasabihin sa kin. like sa pag uupgrade ng car..yun nga problem ko ngayon.. now that he's paying for the amortization ng car,sabi nya ako sagot kay baby and the groceries.. prang hindi lang tama. kase unang una, hindi ako 100% ok sa pag upgrade ng car.saka parang ang dating.. sagot anak ko [textspeak!] si baby.. sya ang baby nya e yung car nya.. prang ndi tama.. 
tingin nyu mga sis?

[honey_iya]

^Dapat talaga ng masinsinang paguusap nyan. tutal na upgrade naman na yung car at wala ka ng magagawa yaan mo na. pareho naman kayo nakikinabang sa car di ba? so ok lang yun na sya na sagot dun pero kung sa tingin mo eh kulang na ang budget mo para sa baby & grocery, pwede mo naman i-open up sa kanya yun. ikaw nakakakilala sa asawa mo, baka kasi sensitive sya when it comes sa usaping pera so baka pagtalunan nyo lang pero try mo parin i-open up sa kanya