So DH and I have different ideas on the budget. I do the bills. He normally is good about not spending but since we've been having a little bit extra, he's been nickel and diming us (well, really, $20 atming and fast fooding) our money away on a daily basis. I can talk all I want about not doing it,etc, and he will just agree, then still buy lunch,etc. So I think we need to set up some boundries with our money.
What works for you guys? We have 3 different bank accts...
#1 the main one our paycheck goes into, we both have checkcards for. This account runs out of money fast...I pay ALL bills out of it,etc. This is my former acct since high school, they know me, etc. Great bank, near my family if I need them to put money in,etc.
#2 We have one local acct we just cash checks at, no atm card,etc.
#3 The 3rd is a great online bank, our savings is in this acct,it refunds ATM fees,etc. We have check cards for that account. He's pulling money from savings to spend money here. Just for reference, all banks are actually credit unions, no fees,etc. This is my favorite bank, we earn points for g/c,etc.
So I'm thinking I'll set up a transfer every payday to bank #3 with certain amounts going to his acct and mine. (2 checking accts under that 1 main acct) I just can't figure out an amount. $50 a week? $100? Should I make it the same for both of us? He works, but can take lunch, he just doesn't. I don't work (SAHM) but I am often out and about and will do lunch with friends,etc or hit the coffee shop and get some tea w/friends,etc. (1 yr old in tow),
What do you guys do?