Money Set Up When Married

[whitelady17]

sis, Ithink your friend needs to settle the boundaries also, kung ganyan ng ganyan eventually mauubos rin ang pera niya kung laging siya ang taya sa mga lakad nila diba? MAdali lang naman iyan eh, kung aalis sila wag siyang magdadala ng pera or atm niya. Kasi in the long run, huwag naman mangyari noh, pero paano kung mag hiwalay sila? as you said live-in sila, kung ang mag asawa nga may chance na maghiwalay eh live-in pa kaya?

[Antigone]

^^di ako papayag sa ganyang set-up sis! Baligtad, pwede pa.

[ms.libra]

most of our money goes to me-earnings, rental income and sidelines. hindi kasi siya ma-compute na tao and alam niyang magaling ako magbudget and very frugal ako  so full trust siya. every monday we both track our cashflow in an excel and see how much we could save, spend,and invest including how long we could reach our goals.

[quinone]

@realshaddy i don't think money is the real issue sa situation ng friend mo. perhaps she should repair whatever damage has been done sa previous na pagaaway nila. until that's been addressed, nothing is going to work out between them, that relationship is going to deteriorate. natapakan ang pride nung lalaki.

on topic: whatever i make, it goes in the bank as our savings. what we spend is his income. medyo worrier ako at makwenta kase, so i'd rather look at our savings passbook than billing statements.

[jambalayla]

^Pareho tayo sis. What I make goes to our savings, what he makes goes to our expenses. I hold all the money though. So sometimes my husband jokes, pahingi naman ng kahit konti lang sa pera ko. Haha. Loko. 

[FieryAngel027]

More on sa savings hubby ko, yung expenses sa bahay and savings kaya nya. May sweldo ko at hindi nya pinapakelaman, nagtatanong lang sya pag nag save na ko para sa savings namin which every sahod naman naghuhulog ako. Sa hubby ko ako natuto mag save ng pera. Before, yung sweldo ko goes out or our baby. Nung nasa abroad sya, ako nag so shoulder everything dito. I trust him naman na mag iipon sya dun at alam kong matipid sya. Nung una lang kinakapos ako, humihingi ako sa kanya? Pag nagtanong san napunta sweldo ko at bakit ako kinulang sympre nagagalit sya,  ayun natuto na rin ako mag budget,

[fairywinkle79122]

Tingin niyo dapat ba ako makialam pag sobra maghingi yung relative ni hubhy?kasi itong christmas season parang naiinis na ako.una kasi nung undas pa lang nagpapabili na ng dvd player yun batugan na brother ni hubby.ngayon yun mga pamangkin niya ang mahal ng mga gusto iparegalo.syempre pamilya niya yon,pero mali ba ako na nakikialam ako kasi bilang asawa niya,pera ko rin yon.isa pa wala kaming ipon para magpaka galante siya ng ganon.nagtaas kasi siya ng boses,sinabi jiya na wag ko raw siya pakialaman,di ko raw siya mapipigilan.at sinabi madamot ako.ganon ba yon madamot ba ko?pag di ko kasi siya na-control,mauubos yun bonus niya.wala naman savings dito.

parang nanliit tuloy ako,yun sinabi jiya na yon nainis talaga ako.parang dapat pala.wag ako makialam.feeling ko minaliit niya ko.

[lclanzaderas]

combined.  meron lang kaming monthly discretionary allowance.

[abbina]

Bibigyan niya ako ng pambayad sa rent sa bahay then utilities, groceries, at iba pang gastusin, akin na. Nagwowork naman yung ganitong set up sa ngayon. 

[kiz_me1109]

We both work.

We agreed na kapag sweldo na niya, bayaran na niya lahat ng expenses aside from yaya kasi every week ang bigay namin. Then, yung sobra allowance niya. Kapag sabay pa kami pumunta sa work e siya din yung nagbabayad ng pamasahe ko. =)

Kapag sweldo ko na e wala na masyadong babayarin. So, nas save ko na yun and nakakapagpadala din ako sa parents ko. =)

[tamarind26]

Dating setup: Nung overseas pa si hubby, 100% of his salary goes to my bank account. Overtime pay and special allowance ang natitira sa kanya. Nung may work pa ako, di pinapakialaman ni hubs sweldo ko. I pool the funds and ako taga hawak ng budget. Ang hirap lang sa ganitong setup, daming relatives ni hubs ang nanghihiram and di namin matanggihan. Di pa nagbabayad, palibhasa wala pa kaming anak kaya namimihasa sila.... grrrr!

Setup ngayon: Si hubs nalang nagwowork and dito na siya sa Pinas. He gives me 100% pa rin of his salary, nanghihingi lang siya ng allowance sa akin. Yung allowance naman na panggastos niya is almost 5% of his salary. Di na nakakaarte his relatives. Bawal na magpautang especially now na I'm due to give birth anytime soon.

[sarsingkit]

dati we pool our money. pero ngayon we're overseas. iisa na lang ang bank account. eh dito kasi choose your own payroll. so diretso sa iisang account yung sweldo namin pareho kahit magkaiba kami ng work. pati credit card, nakaextension na lang ako para alam namin lahat ng gastos ng isat-isa. we both give money sa parents so nakatabi na din yun tapos same amount kami ng allowance every payday. pag gagamit ako ng credit card, nagpapaalam muna ako. sya kasi hindi naman mahilig bumili ng kung ano-ano. same kami ng allowance per payday pero mas nauuna maubos yung sakin, binibigay pa nya sakin coins nya pambili ko ng coffee. hehe

[hyder0926]

when we got married we agreed that my money will be my own & his money will be ours.. =) he keeps his atm but i trust that he declares his income / bonuses with me.. i buy whatever i need but i can still get money from his for other expenses like utilities.. he doesn't know how much i earn.. =)

when we had a baby it was agreed that my son's allowance will come from him. he also pays for our utilities while i pay for our food & grocery expense. we live with my inlaws so we don't pay rent & we just share with the utilities. 

[bagaholic_chewy]

When we got married at pareho pa kaming nagwowork, we computed yung monthly household expenses namin. Then 70% sa kanya, 30% sa akin since mas malaki naman sweldo nya. When I moved jobs and lumaki sweldo ko, i offered na 40% na sa akin. Sa amin naman, sya ang pinapag-manage ko ng finances kasi mas matyaga sya mag-record at mag-account. E ako medyo makakalimutin. Nung una ako, pero after a year sabi ko sya na lang. Hehe..

Sa mga weekends and travel expenses naman namin at sa "date nights", sya na taya dun. Minsan nanlilibre din ako sa date, pag nasa mood ako.

Now na i'm not working anymore, sya pa din ang nagmi-maintain ng finances, binibigyan nya ako allowance for personal and household expenses. Hindi naman fixed yung allowance so humihingi ako pag paubos na or may expected akong malaking gastos. Meron ako small income from sideline, akin lang talaga yun. Meron ako credit card na supplement ng card nya, dun ko usually china-charge pag household expenses like grocery. Yung personal credit card ko, dun usually ang mga shopping ko and other personal expenses. Pero sya rin nagbabayad, tho minsan me particular items na ako (for example, i bought a gift for him, syempre ako magbabayad nun).

From time to time, we discuss our financial status. Alam ko lahat ng bank accounts nya, alam nya din yung sa akin. Pag nagbibigay kami sa families namin, both sides, for regalo or something, alam din ng isa't isa and we usually agree on the amount before magbigay.

Whatever works for you, wala namang clear-cut standard between couples pagdating sa financial set-up. Important is open kayo sa financial status nyo, no secrets.

[little_princess]

we recently got married and still trying out how our expenses would be. pero we agreed even before we got engaged that whatever we had before we got married was ours alone even though we didn't sign a pre-nup.

living together, we both work but he makes almost 8x more than i do. so whatever i earn, i keep for myself. he also gives me an allowance. if you add those, ganun din yung allowance niya from his salary. we are also setting aside money for expenses that i manage and we also have a savings account which he manages for now.

[shobe17]

sa amin, my salary is twice his. matipid ako, while si hubby mas maluho (he spends his own money to buy ps3/vita/xbox games, expensive shoes, gadgets, etc.). we're living with his parents, tapos nagaabot na lang ng fixed amount as share namin sa expenses.

nung umpisa, nag-open kame ng joint account and agreed on an amount to deposit every month. tapos all our expenses divided by two. ngayon, after 1yr 3mos of being married with 1 kid, di na namin nalalagyan [textspeak!] JA namin. pero divided by two pa din ang expenses. except for times na makita ko na kulang na supplies ni baby, i buy them using my own money, di ko na hinahati kay hubby.
we just started our investments, using my own money din. and i intend to top-up monthly coming from my salary din. now, i want to buy a condo, will talk it out with him na i-share namin yung monthly amortisation.

[niixiie]

kami naman live in kami sya lang yung nag wowork so sa akin nya binibigay yung sahod nya.. hihingiin nalang nya sakin yung baon nya araw araw..  tutal twice a month naman ang sahuran nila so hinahati ko na..  rent sa house, ilaw, tubig, foods,at baon nya..  divide by 2 lagi kasi may specific time naman kung kelan due lahat ng bayarin.. bukod naman kami kaya mas okay yun. wala pa rin namang baby so okay din. pero once mag ka work ako combine din gagawin ko.. tapos savings din

[beatrize zuri]

before when we were just started we combine our salaries to pay all the bills and needs sa house. but now, since he is already established on his business his money is my money na rin but my salary is just mine and our kids' "luho"  . i dont pay the bills, he does, im so thankful that my husband is a good provider. before i manage our finances kaya lang mas magaling siyang mag budget compare sakin laging over so we decided na siya na lang ang mag handle sa finances namin.
 
 

[bucketsale]

kanya kanya para walang away... pero pag nagkagipitin syempre all out sa bawat isa...

[funky f]

Separate din then we have our own toka sa expenses. Im in charge of the monthly ammortization ng house plus some other expenses. He's in charge of everything else. Since we have 2 schooling kids, hati kami sa tuition and school bus. We have our own savings also but we have joint acct as well.  When we got married, i really wanted sana na we combine our salaries then, i would do the budgetting but ayaw nya kasi mas magaling daw sya maghandle ng money, hehe.  This set up works for us naman. Di kami nag-aaway masyado sa money, hehe.