July 16, 2019

Greetings Thrifty Friends,

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One of the main things married couples fight over is money.

Especially when both partners put their checks into the same account. When one person is writing a check for one thing and the other is using the debit card for another, it is easy for the account to become over drawn.

How can you guarantee this problem doesn't happen?

Keep pinchin' those pennies,
Penny

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TODAY'S THRIFTY TIP:

Keep three accounts!

One account is for the bills, the mortgage, the car payments, the insurance payments and the groceries. What is left over is split between the two that are working and put into their own individual accounts to spend. It may sound like a lot of work, but using direct deposit can make this process effortless.

Using the two accounts for the two adults to use as they see fit, after the bills have been paid from the joint account, is going to ensure that the bills get paid, that no one is over spending and that both working adults have a mini budget that they can work with to get gas every week, to get a snack when they want to and so on.

If both people are working and contributing to the bills being paid every month, both people will need to be involved in understanding how the bills get paid, how much money is need to pay the bills and when the bills are due.