Skip Nav
Budget Tips
40+ Easy Halloween Costumes For Lazy Partygoers
Budget Tips
101 Costumes to DIY on the Cheap
Budget Tips
57 Cheap and Original DIY Couples Halloween Costumes

Do You Spend Without Checking in With Your Husband?

If you wanted to buy, say a new pair of Loubs to fulfill your everlasting desire for red-soled shoes, would you have to consult your husband? And if he wanted to go on a Best Buy binge, would he need to check in with you to negotiate a limit?

Discussing spending priorities is a must when you're pooling your money, and some couples make a rule that they cannot spend over a certain amount without first checking with each other. Is there a rule in your household that calls for checking in, or do you have total freedom when making a purchase?

daisymay81 daisymay81 9 years
We really don't talk about anything under $100, anything over that we discuss.
ilanac13 ilanac13 9 years
my fiance and i decided a long time ago that whateer money we earned, we can do with as we please as long as our joint commitments are being fulfilled. (rent/bills etc). this means that he doesn't ask me when he wants to buy things and i don't ask him. it probably alleviates a lot of stress since that's why a lot of couples argue huh? the only issue right now is that i don't make enough money to treat myself to anything - i haven't gone shopping for myself in ages cause i only make enough to cover my rent/car payment/mortgage on my 2nd home/bills. i wish i could afford to buy loubs or whatever else there is that i want, but right now it's not in the cards for me.
i-am-awesomeness i-am-awesomeness 9 years
I don't have this problem because I'm not married (yet), but no I would not check in. If my contribution to the bills is paid, and my contribution to our rainy-day fund was paid, then the rest of my money from my paycheck is mine to do with it as I wish, and my husband should trust me to not buy useless crap and I'd trust my husband in the same way. Why should I have to ask for permission when I'm making my own spending money? Why should he have to ask me? Sure, I might call him but that would be because I'm so excited that I'm about to get an amazing deal on that designer handbag that I've wanted for a while and he's the first person on my speed dial! lmao
bchicgrl bchicgrl 9 years
I think if you both have your own separate accounts and a household account for shared responsibilities, if either person has some play room then they should be able to spend their hard earned money on something they really want. Both people need to use common sense on purchases and be really sure if they splurge that they still have something in savings as just in case money.
MrsJigglesworth MrsJigglesworth 9 years
No, we do not have to get clearance from the other b/c we trust each others decisions. We do, however, usually discuss very large purchases (cars, electronics) since we talk about most everything that happens in our day and have open communication.
md12398 md12398 9 years
my fiance and i discussed our financial plan a few nights ago. once we're married, we plan on having four accounts (aside from our long-term investments): -one joint checking, for rent, groceries, student loan payments, etc. -one joint savings, for shorter-term goals, like our wedding & down-payment funds -two individual checking accounts for our play money anything in our "play" accounts is fair game to save or spend as we each see fit.
sorrowja sorrowja 9 years
My husband and I have a join account which we put money in for household expenses. We also have separate accounts if I'm getting something for myself or the house (if it's something small) I use my personal account. He doesn't question me and I don't question his purchases. We talk about purchased made from our joint credit card and joint bank account. Oh and purchase made on card from Home Depot and so on.
Liss1 Liss1 9 years
My husband and I keep out money seperate so we don't need to check with each other. But if it is something expensive we might mention it before we buy it.
jkat jkat 9 years
They are Christian Louboutin's Decollete pump.
AmberHoney AmberHoney 9 years
Don't be nervous for me, it's worked wonderful for 25 years and it will still work in another 25. Never had an argument over money ever, unlike some of our friends who constantly fight over the checkbook or is that online bank account.
museanima museanima 9 years
We have our separate accounts that we don't check with each other on, but if we need anything outside of that, then we budget it from one of our other accounts. P.S. @jkat What shoes are those? It's so funny you mentioned that because when I saw them I thought "Ooh those shoes would be perfect in black!" :)
foxie foxie 9 years
Marriage is a partnership. Cooperating with finances really strengthens the bond and couples who keep everything separate really make me nervous. My husband and I consult each other before expensive, unnecessary purchases.
almost-famous almost-famous 9 years
I'd try not to. That's wrong, but I would whine for a minute and if he says no, then I'd March right down to the bank and dip into MY ACCOUNT and get what the hell I want.
AmberHoney AmberHoney 9 years
We've had separate accounts from day one (25 years together) and we're always together so it's never been an issue. As for the shoes (a girl can never have to many) I love them but can't stand the way the red wears off and looks tacky unless you see the cobbler to have them repainted. I, myself, would like to see another color sole; really tired of the red.
Mintie Mintie 9 years
I'm so glad I don't have to get permission for anything I do!
TsuKata TsuKata 9 years
First, I'm a little miffed by the idea that the example that is given is shoes for the gals and tech for the guys, especially coming from a site that has a geek section. A simple "(or vice versa)" somewhere in there would have lessened the stereotype. But, that aside, my husband and I keep separate finances. He had a significant nest egg before our marriage, and I make significantly more per year (but I had student loans that kept me from establishing savings for the first 8 years of my career). Thus, both of us have reasons to keep things separated. We only consult each other for major purchases that would go out of the joint fund, such as home repairs, vacations, and furniture.
TheMissus TheMissus 9 years
I don't tell my husband squat about my purchases before hand. It's none of his business. We have no joint accounts, and we each keep separate savings accounts. As long as we save the minimum we commit to saving each month, we don't harass each other about expenses.
SDTransplant SDTransplant 9 years
My b/f knows I like to shop and I often buy clothes, shoes, and purses without telling him first. :) It's my money though and even though we live together, our finances are completely separate. When we do get married some time in the distant future, I'm pretty sure we'll open up a joint checking account to pay for necessities and things we buy together. In the meantime though, we really only consult each other for big-ticket purchases over $100 like many of the other people here. For instance, we just split the cost of a new LCD HDTV that he spent months shopping around for and we got a great deal on it.
hithatsmybike hithatsmybike 9 years
We don't exert any restraint on each other's spending, because we're both firm believers in independence and freedom to spend your money however you please. BUT he is aware of all my purchases, because I just love showing them off, and because the bf lives with me, he's usually the one that has to suffer through my parading. I generally leave the prices out, and at worst I lie about them by rounding down... or at least dodge it by simply saying "it was on sale!". Recently I let it slip that I spent $300 on a dress last month, and he seemed disappointed, but only because he knows I'm saving for school and trying to pay off dental bills. Ultimately though, I'm allowed to get whatever I want, and I like it that way. I definitely need to learn some more prudent spending habits, and this is the best way to do it. god I love those shoes! I want a pair!
nv27 nv27 9 years
We dont have any set rules for spending & discussing. We both kinda get what we want and talk about it when the CC bill comes. We buy everything on Amex so we get big money back at the end of the year for rewards.
mayara mayara 9 years
It depends on which account the money's coming from. Usually, we consult each other (and sleep on it) if it's over $100, but if the money comes from either individual account, we don't have to consult each other, as that money is considered spent when it gets transferred in.
gabiushka gabiushka 9 years
We usually do check.
julieulie julieulie 9 years
Major purchases -- new computer, etc, -- always discussed beforehand. But, uh, then again, I did buy a new set of $600 Wusthof knives and tell him about it AFTER the fact. But it was with $500 worth of birthday money I received for my birthday, whereas he spent his birthday money on a computer for himself. So, I guess as long as we tell each other where the money goes, it's fine. I manage the finances, he doesn't ask questions. :) As long as I remember to pay off his medical school loans each month, and there's plenty in the bank account, he doesn't question where the money goes!
Schaianne Schaianne 9 years
It really depends on HOW MUCH an item/s would cost. Also depends on if it's "We need" (grocery shopping) vs "I want" (clothes, electronics) shopping. For small stuff ... no, but I share my bargain finds with him afterwards ... for large stuff ... we always discuss it ahead of time.
jkat jkat 9 years
P.S. Those shoes(and the same ones in black) are my FAVORITE shoes ever. I bought them as a reward to myself for paying off my loans and have never had an ounce of regret! They go with everything!)
Marriage Lessons
Fall Flowers For Weddings
Husband's Friendship With Women
Baby Caused Divorce
From Our Partners
Latest Afforable DIY & Organization
All the Latest From Ryan Reynolds