How do you split your household bills

[Mr Tall]

I am just about to get a mortgage with my g/f, I'm going to pay the mortgage and she is going to pay for everything else. Then with whatever is left out of both our wages we are going to put together and split it equally. Well that's the plan cant do bills 50/50 as she doesn't earn enough to cover the mortgage.

[boobesque]

for us everything is payed into a shared account and all the bills come from that as well, and then we just take what we need, anything big is discussed before, it has worked well for us.

[leaf]

how complicated, that sounds like it will lead to problems to me, have you thought about a shared bills and mortgage account then a savings account can be set up when you work out what you have left!

[Gilly : )]

Hi their i pay for all the bill,rent ,c/t,tv, gas & elec etc and then with my b/f wage we pay for food and any treat etc we have been doing this for over 2yrs and not had any problems as off yet.

[Craig007]

The same as Boobesque for Mrs007 and i, except that anything left over is spent on shoes or boots for her!! She tells me this is written into our account!
:o{

[ELVIS68]

I work full time, Mrs Elvis does part time...our money goes into our joint account and If I need any cash I`ll ask her for some, works out better that way, I used to be a bit careless with the cashcard

[Mr Tall]

Gilly that's exactly what we do now and works well, cos If I spend too much in the pub at least we can eat.

[ELVIS68]

Get an ebay account for yourself to make a few quid, but for god sake don`t let her on it . lol

[stevie-p]

We pay the same percentage of our wages into a joint account regardless of who earns the most,and bills are paid from it,the house is run like a business.

[mandimoo]

i live alone and have everything sorted to be paid monthly by standing order / direct debit. i have a 'bills' account that there is a monthly transfer set up from my salary. if bf were to move in i would simply halve what i pay in and ask him to pay the other half directly into that account. then whatever each individual has left after the bills, is theirs to do as they please. of course, this wouldnt be fair if one person earns much more than the other.

[Backdrifter]

We pay a set amount each month into a joint account it. We totted up the mortgage + monthly bills, divided that total by 2 and topped up to allow some leeway. You could try the same by weighting it slightly more towards you if her salary is significantly less than yours. The leeway allows some build-up over time and we frequently are then able to buy joint stuff from that account including leisure things e.g. theatre, cinema tickets, restaurant meals, without having to further dip into our own accounts. Bear in mind if there are further interest rate rises, your own individual account could end up getting hammered by the mortgage payments. Paying for the roof over your head is priority - having only one of you paying it is potentially risky - but I don't mean to spook you, just being realistic.

We also have an additional monthly amount going into savings. Over the past few years it's been a godsend for e.g. holidays. All accommodation, travel etc is all paid for straight off from ready funds. Though this year we're reserving it for a new bathroom - if we can EVER get any s*dding plumber or builder to get back to us with quotes.

[PinkFizz]

My b/f moved in with me when I was a single mum and so I already had all my bills etc paid out of my bank account as standing orders ,direct debits etc.When he moved in and we knew we were going to stay together he set up a standing order to go into my bank every month which pays half of everything.And as he earns so much more than me,if we ever go out for dinner or need something important for house he generally pays,but I also do occasionally as well when I can.

[mash]

the easy answer:
one joint account, two cards and trust.

[Gilly : )]

Hi Mr Tall i find it works great like you said i no exactly when all my bills are due out and as long as i carry on doing that we have always got my fellas money to go out drinking and doing what we want with

[Gilly : )]

Sorry to keep going on i think if you end up having a joint acount and you arnt very good with your money which my parter is ull end up getting into bother and not no what money you actually have left for yourselfs!
I no if i got a joint account with my partner hardly any of the bills would get paid and we would proberly get our selfs in trouble.
We are only young (21) and we had loads of people telling us how to sort our selfs out but what ever suits you you should stick too!

[rhona_j]

We work it like this, two joint accounts, a 'bills' one, with all council tax, mortgage, electricity set up to come out of, and one 'current' which we use from day to day to eat, socialise etc.

My wages go straight into the 'bills' account, with my husbands going into the 'current' account (he gets paid weekly, so it's easier that way).

Any money left over at the end of the month in the 'bills' account goes straight into an ISA, give or take a wee bit so as we don't go into the overdraft.

We've worked it that way since we moved in together, well the ISA is pretty new, (got to the stage we weren't saving anything!), and it has worked very well for us. When either of us has changed jobs or such we switch who pays their wages into the right account to make sure there will be enough for everything.

But I know my sister and her beau keep their money separate, and they seem quite happy. I just personally find it odd when they talk about 'my' money and 'his', surely in a couple it's 'ours'? But then maybe that's just beacuse I've been with my hubby for so long. Each to their own.

[CiderMonkey]

We both get our wages paid into our 'own' accounts. We worked out how much we'd need to cover mortgage and bills and agreed we'd both put money into a joint account to cover this amount. As I earn more, I put more in.
Any money left over in our 'own' account is ours to spend as we wish.

We'd like to count all money as both of ours, but have both said it's nice to have a little bit that we know is ours. If one of us has paid for something for the other one which costs more than a few pound we tend to pay each other back, but even having said that we don't always bother. If I've got money in the bank I don't mind payin as I know if works both ways.

[lady_p_gold]

Are you going to own the property at joint tenants or tenants in common? Before you take the plunge take a few minutes to trawl through the HUNDREDS of tales of woe on here where people have bought properties together and it has all gone horribly wrong and they did not think beforehand what might happen if one days they went their separate ways. Better to give it some thought now just in case.