Money Set Up When Married

[devilishly cute ak0]

wifey's managing our finances..every payday isinusulit ko sa kanya lahat ng sweldo ko and she'll only give me my allowance for a week. i was brought up in a family where my dad's also doin' the same thing kahit na they're both working..besides, mas masinop talaga si wifey pagdating sa bagay na yan.

[mrsdee]

we no longer have personal savings account. MY paypal account isn't counted, right? haha. exclusive kasi yun sa panluho ko. 

anyway we have two joint savings account and two joint time deposit accounts. yes, lahat JOINT! basta from payroll account, deposit agad sa savings every month, the rest is padala (we are overseas) and for expenses na lang tinitira. we are trying to follow talaga a reasonable INCOME - SAVINGS = EXPENSES formula, although siguro every two months, we splurge a little. Kaya even if we splurge a little, feeling ko I haven't saved this much when I was still single kasi kahit cheapskate ako, madali ako ma-influence into buying something, haha!

mas masinop din si hubby. he keeps a financial ledger in an excel file, lahat ng incoming at outgoing nakalista, ala-daily monitoring! I let him hold the money for immediate expenses kasi he does the grocery. mas alert kasi sya sa promos, buying by bulk at smart buys. He lets me keep naman the bigger expenses like house rent, bills, kasi masipag ako mag-envelope system. Also, kasi ako naman ang alert sa due dates.

Efficient naman ang ganitong style sa amin. Pag may nagugustuhan kami, we ask each other's permission. Pag may mangungutang from either of our friends, we consult each other din. Pag may mga extra requests families namin from Pinas, meeting muna bago mag-decide magpadala.

[pinksuman]

ever since we don't have a joint bank account. we have our own separate accounts. I give him some percentage of my money for our expenses then everything he pays.

he gave me a supplementary credit card so if I want to buy something then charge na lang.

[bpa]

combine then divide to expense and savings. i decide on everything (accountant/secretary), but of course, i ask him if he agrees but i still have the final say. hehe

[twinnie]

i agree with bpa. we also do the same thing we combine our salaries. right after marriage kasi bumukod na kami agad so sa umpisa pa lang naiayos na namin ang setup namin sa pera. based sa na-observe ko kasi sa parents ko nagkaka-issue kapag kanya-kanya ng hawak at toka sa expenses. kasi hindi naman fixed ang mga bills like electricity, water, groceries, most of them vary every month so in the end my feeling na nagkakalamangan.

kaya lang additional stress for me din ang mag-manage ng finances lalo na kung maraming dapat i-consider pero limited lang ang resources.
basta lagi ko lang din iniisip that God will provide so nakakaraos naman din kahit papano

[prix]

sa amin ako ang naghahandle sa pera.. hehe.. nasa akin ang ATM ni hubby & bahala na daw ako magbudget basta bigyan ko lang daw sya ng pang-gas..

[sakuramie]

I'm managing our finances. We have a joint account, so every payday we give a certain amount then the rest ng salary is personal savings na. Dun sa naipon namin dun kukunin lahat ng expenses (groceries, rent, bills etc) the rest sa savings mapupunta. Pero yung padala to families if needed and he is paying for his father's lifeplan will come out from personal savings na. We also have our two COOPs, and two stocks, dito share din kami. So far, effective naman and we always talk about this naman eh. Ayoko kasi tanggalin sa mn yung may sarili pa rin kaming hawak na pera. If we want to go shopping kasi kailangan na, we use credit card and when the bills arrived papasok to dun sa shared expenses namin.

[camsicle]

Na kay hubby atm nya. Im letting him feel na sumusweldodin naman sya since Im working naman din. But he pays for super major expenses sken food and kids stuff lang. He gives me money for our savings hindi joint account sa akin nakapangalan.

[Misis_Maku]

6 months and counting pa lang kami kasal. My husband pays for everything since mas malaki sahod nya. Then, I keep my salary on my savings account na hindi ko naman nagagalaw aside sa kapag binibigyan ko ng allowance minsan mother ko. He also keeps his savings on his own account. Anyway, basta we agreed na yung pera nya, pera ko din and yung pera ko, pera nya din.

May sine-set lang kami na budget for all expenses every month. Hindi naman kami magastos /maluho so, keri lang ang current set-up.

[DasmaMama]

We combine our incomes, ako nagma-manage. But there are times na I consult him, specially kapag feeling ko masho-short kame. In times naman na may extra money (from dad, bonus, etc), we discuss kung san ilalagay or anong gagawin.

[Coffee_lover]

Samin ganito, 50% of our salary goes to our joint account (savings). Then 30% of his salary goes to our expenses (rent, utility expense) 15% Everyday allowance (transpo and meal sa office) the 5% goes to his parents. Ako naman the other half goes to allowance, grocery and luho hehe.

[grace0619]

6 months and counting pa lang kami kasal. My husband pays for everything since mas malaki sahod nya. Then, I keep my salary on my savings account na hindi ko naman nagagalaw aside sa kapag binibigyan ko ng allowance minsan mother ko. He also keeps his savings on his own account. Anyway, basta we agreed na yung pera nya, pera ko din and yung pera ko, pera nya din.

May sine-set lang kami na budget for all expenses every month. Hindi naman kami magastos /maluho so, keri lang ang current set-up.

I'm also a newly-wed and this set-up is similar to that of ours. So far, so good rin naman.

[thistimearound]

Hi mga sis,

Noon, it doesn't bother me na hindi binibigay ni hubby ang sweldo niya sa akin. Eversince kasi, never naman ako nagdemand sa kanya na dapat ako humawak ng pera niya. Maski bf/gf pa lang kami noon, never ko siya tinanong about sweldo niya nor never ako nagkekwenta ng pera na sinispend niya sa akin. In short, when it comes to money, hands off ako. Ayoko kasi isipin niya na mukha akong pera or demanding whatsoever.

But it started to bother me when we got married, hindi pa rin sa akin pinapahawak ng asawa ko ang sweldo niya. Unlike mga peers ko, almost 100% of them,  binibigay sa kanila ang sweldo ng hubby nila or if not, binibigyan sila ng monthly allowance ng asawa nila.

After ko madiscover na nagcheat sa akin si hubby, gusto ko na im in control with his money. Para maiwasan siyang gumastos at para wala siyang panggastos para sa pambababae. Paano ko ba sasabihin sa kanya na ibigay ang sweldo sa akin na hindi naman magmumukhang demanding? Pls help me mga sis. I need all your advice.

[k_heart]

^Naku sis, never mo na yang makukuha ng buo kasi dapat sa start pa lang ng marriage,ganun
na dapat ang arrangement. medyo mahirap na yan lalo na ailang years ng ganyan ang set-up nyo.

[gharz412]

hehe kame kase ni hubby ko never pa nabakante sa work since bf/gf so we don't talk about money...ewan peru parang okay lang dahil [textspeak!] both of us are working and meron kameng sari-sariling passbook until kinasal na kame. But nung nabuntis na ako si hubby na mismo nagsabi na bibigyan daw niya ako ng part ng sahod niya para kay baby so what i did is nag open ako ng other account and dun ko hinuhulog bigay niya and ako din minsan naghuhulog dun peru si hubby hindi pinapakialaman pera ko (cellphone lang madalas) ahahaha ^_^

[thistimearound]

Ganon ba sis? Sad naman. Haaay paano ko kaya atleast man lang ma-bring up ko sa kanya yung concern ko

[k_heart]

^sis, ilang years na ba kayong married? Mas ang reason mo ba kaya gusto mo icontrol ay
para icontrol ang pambababe nya?

[gracita13]

sis thistimearound siguro naman gumagastos ang hubby mu sa bahay nyo diba? so talagang sya lang humahawak ng pera? kasi kung ako sayo sis nung nagcheat na sya dun ka nagbigay ng rules na "oh mula ngayon ako na hahawak ng pera mu allowance mu lang ibibigay ko para iwas pambababae" pero it seems super under ka ng asawa mu eh.hindi naman pagiging demanding yun may ginawa syang kasalanan he must suffer the consequences.
wala namang kaso kung sino maghahawak ng pera tulad nameng mag asawa kapag dapat nameng magtipid si hubby ang hahawak dahil wala syang maaasahan saken  pero most of the time ako talaga humahawak 

[thistimearound]

^sis, ilang years na ba kayong married? Mas ang reason mo ba kaya gusto mo icontrol ay
para icontrol ang pambababe nya?

Sis, almost 2years na kaming married. Hindi naman icontrol, para maiwasan na talaga. Kasi ngayon im having doubts na baka may 2nd phone, or baka bumili ng 2nd phone or baka gumagastos panlibre sa bwisit na kaofcmate niya na nakaflirt niya.

[thistimearound]

@gracita13

Sis, ewan ko ba, di talaga kasi ako mahilig makialam sa pera eh. Ang st_ _ _ _ ko lang kasi hindi ko nga sa kanya naopen yung topic nung nagloko siya.
Hindi naman sa under. Nakasanayan ko lang talaga na di magtanong or makialam sa pera ng iba.. pero siyempre, iba na ngayon. May nabisto kasi nga ako na kalokohan niya. Haaay