DisneyMandC
DIS Veteran
- Joined
- Feb 18, 2015
What bank or service gives 3% in a checking account, even with a minimum continuous balance? I'm in the "practically zero" interest rate now.
I'm in the Actually Zero interest rate
What bank or service gives 3% in a checking account, even with a minimum continuous balance? I'm in the "practically zero" interest rate now.
Heritage bank na. People on the credit card thread told me about themWhat bank or service gives 3% in a checking account, even with a minimum continuous balance? I'm in the "practically zero" interest rate now.
Hi, I am mainly lurking here,it’s all really interesting to read. Wanted to chime in, I do the day-to-day bill-paying etc. in my house and DH does the long-range planning. We do consult each other about major decisions and expenditures though.I'm feeling behind in my personal financial life - wanted to do some analysis of our 2018 financial activities (maybe not full-blown financial statements like @SouthFayetteFan) but a at least come up with a better analysis of our savings rate. I still need to chase down details of our retirement accounts. I need to start pulling together stuff for our tax return (think I over withheld on my stock option exercise, so we may get some $ back). And of course, its a super busy time at work, so I'm working long hours and have zero time to do any of those things... Sigh.
Does anyone really split the finance stuff equally with their spouse, or is everyone on this thread the CFO of their household? DH and I have traded off who made more money our entire marriage, and we always make big financial decisions together, but the planning, investing, and day to day money management have always been my responsibility.
Does anyone really split the finance stuff equally with their spouse, or is everyone on this thread the CFO of their household? DH and I have traded off who made more money our entire marriage, and we always make big financial decisions together, but the planning, investing, and day to day money management have always been my responsibility.
Does anyone really split the finance stuff equally with their spouse, or is everyone on this thread the CFO of their household? DH and I have traded off who made more money our entire marriage, and we always make big financial decisions together, but the planning, investing, and day to day money management have always been my responsibility.
Do you have a method in mind for how you could split it equally? I think it would automatically fall more to one person unless you both sat down together (then it would be equal because you’re both spending the same amount of time).
I do most of it, but we do have regular meetings to go over things. Sometimes DH is more involved (if we are doing calculations and planning while we are meeting together) and sometimes I’ve done everything myself and am just giving him an update of where we are at.
I'm pretty much CFO. DH is the type to never want to call anyone or check up on prices or haggle or anything like that. He would pay sticker price on a car at a dealership if I wasn't there with him lol. I will say I've never read over his retirement plans or stock options myself or anything, but I did tell him the other day he needs to up his contributions this year. His work is currently in open enrollment and he was texting me yesterday about what to buy as far as short term and long term disability and life insurance.
It's funny you bring that up actually. We were watching CBS this past weekend and they were discussing the rise in multi-generational households. I made a comment about how that would be us one day as DH's parents would need to move in with us. He seemed floored by this information. I'm not really sure why given that his parents are mid-50s with almost no retirement, his dad is on full disability and can't work, and they currently live two hours from us... I don't want to say "men... " but I couldn't help but remember the phrase "A son is a son until he takes a wife, a daughter's a daughter all her life."
No offense meant to any of the men on this board, I know some of you are absolutely phenomenal people and I only intend this as a slight on my husband's own lack of foresight
DH has had some (super awkward) conversations with his parents about money (they are convinced that since he changed jobs we must be on the edge of poverty) and so its hard to get them to be honest with us about their financial situation. So, fingers crossed they are in ok shape? They live far away from us, so they worry about us and we worry about them...
Granted I always acknowledge that I'm crazy...but I couldn't even begin to explain to my wife how I actually track the finances. No sane human would go to the lengths I go to if it wasn't a fun hobby to them though. If something ever happened to me, it wouldn't be a requirement to track things the way I do so it's not like I'm setting her up for failure. I basically just handle all of this. In our house, the roles are that I make the money, she spends the money, I track the money. It works very well!I'm feeling behind in my personal financial life - wanted to do some analysis of our 2018 financial activities (maybe not full-blown financial statements like @SouthFayetteFan) but a at least come up with a better analysis of our savings rate. I still need to chase down details of our retirement accounts. I need to start pulling together stuff for our tax return (think I over withheld on my stock option exercise, so we may get some $ back). And of course, its a super busy time at work, so I'm working long hours and have zero time to do any of those things... Sigh.
Does anyone really split the finance stuff equally with their spouse, or is everyone on this thread the CFO of their household? DH and I have traded off who made more money our entire marriage, and we always make big financial decisions together, but the planning, investing, and day to day money management have always been my responsibility.
Does anyone really split the finance stuff equally with their spouse, or is everyone on this thread the CFO of their household? DH and I have traded off who made more money our entire marriage, and we always make big financial decisions together, but the planning, investing, and day to day money management have always been my responsibility.
I'm feeling behind in my personal financial life - wanted to do some analysis of our 2018 financial activities (maybe not full-blown financial statements like @SouthFayetteFan) but a at least come up with a better analysis of our savings rate. I still need to chase down details of our retirement accounts. I need to start pulling together stuff for our tax return (think I over withheld on my stock option exercise, so we may get some $ back). And of course, its a super busy time at work, so I'm working long hours and have zero time to do any of those things... Sigh.
Does anyone really split the finance stuff equally with their spouse, or is everyone on this thread the CFO of their household? DH and I have traded off who made more money our entire marriage, and we always make big financial decisions together, but the planning, investing, and day to day money management have always been my responsibility.
We are like that too. Dh does a lot of the budgeting and also taxes. I do most all of the credit cards and researching which cards to get next.We split it pretty evenly. DH pays and tracks all the bills and money, I keep the budget updated. It's working really well for us right now. I do the leg work with Credit Card Rewards and trying to read and learn here, but he usually takes the information I give him and researches to understand it better. At one point I did all of it, at one point he did and we have now settled on this happy medium. We have different spending styles so it's best if he actually controls the money. But I am a much better long range planner/ideas person.
My trick last year was we drove back to my home state over New Year's, so I went through our YNAB reports and broke all the categories out by month, and also if something was abnormally high I made a note of why (car registration, tires, etc). Then he couldn't escape meI tracked every dime we spent in 2018. Then I sat down with DH the other night to go over it and discuss. I’m talking and glance over, and DH had fallen asleep. I give up . . .
Huh. Well that FINALLY answers a question I was trying to ask in a different thread months ago but was getting bland non specific answers like "enough to survive a few month" etc.
We split it pretty evenly. DH pays and tracks all the bills and money, I keep the budget updated. It's working really well for us right now. I do the leg work with Credit Card Rewards and trying to read and learn here, but he usually takes the information I give him and researches to understand it better. At one point I did all of it, at one point he did and we have now settled on this happy medium. We have different spending styles so it's best if he actually controls the money. But I am a much better long range planner/ideas person.
I tracked every dime we spent in 2018. Then I sat down with DH the other night to go over it and discuss. I’m talking and glance over, and DH had fallen asleep. I give up . . .
My trick last year was we drove back to my home state over New Year's, so I went through our YNAB reports and broke all the categories out by month, and also if something was abnormally high I made a note of why (car registration, tires, etc). Then he couldn't escape me
Mine too - we have a PP restaurant that makes him so happy. And I'm happy not only with a $10 meal (tip), but that I don't hate showing up early now. DH is one of those people who likes to be super early, while I am not. In college I had flights home down to an art - I would get through security, hit the restroom, grab a coffee and snack from a coffee place, and walk up as boarding began. DH wanted to go about 3 hours early and sit at the gate Now we have yummy food and drinks for less than a QS place - perfect balance.(although he's getting on board with the perks of churning - he likes the lounge in our home airport!)