"So it's Fri-day night and I jjjuuussssttt got paid!" Backstreet throwback! But its true, and so did hubby so our joint account is looking very nice considering that all of our bills are due at the end of the month so they have already been paid. And I want to go shopping. Like really really really bad. BUT since part of a joint checking means justifying every purchase pretty much, it makes it hard to go out and splurge on yourself when the other person isn't doing so and is going to ask you what you bought pretty much as soon as you get home from buying it. And you can't lie about it and say oh honey it was only $5 when really you paid $10 because he can now see every purchase.
Adjusting to a joint checking has been quite the experience. Gas buying alone has been frustrating. My car gets 30 miles to the gallon, and I communte for almost an hour and a half to work M-F, and if we go anywhere on the weekend we usually take my car so I fill up for less than $40 about once a week plus a little hold me over of around $15 depending on what we did that weekend.
Nathan on the other hand: his truck gets maybe 16 miles to the gallon drives a whopping 20 commute (to and from) and puts around $75 in his truck every week, of course now that hunting season is in he has filled up twice a week running around chasing dogs. And then stopping pretty much every day at the store and getting drinks for work, some chips and dip (like chewing tobacco, not for chips) which is seriously adding up. So we worked out a way to maybe spend a little more at the grocery store every week but it will save money overall by buying the snack size chips and getting cases of water for him to take to work. (I suggested taking like a Tervis so we wouldn't have to waste so much plastic but apparently thats not a option...oh well, I guess I'll learn to recycle.)
What concessions did you make when you and your husband started a joint checking, if any, or why you decided joint checking just wasn't going to work for y'all?
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