seperate or joint
 

Hello to everyone out there! I have a few thoughts and wanted n-e and everyone's 2 cents. I know that as a trucker that you will have your ups and downs, that's just how life is. Should a Trucker have a seperate account from there spouse? who's 2 blame if you get cleaned out??? Yours ,theirs or both. It may sound crazy but I'm sure it happened.

Re: seperate or joint
 

Need more info, why would you get cleaned out?

Um, yeah- if UR worried about it, get a separate one.

Re: seperate or joint
 

I was just curios because i've seen this happen in the military. Some people just don't have good money managing skills i supose.

We have two joint checking accounts, both with savings linked to them. Although they're joint accounts, we call them mine and his to make things simpler. Since I'm around to deal with things, our paychecks get deposited to my account. I transfer money to my savings and his checking account, and pay the bills out of my account.

We do this because it's easier. He knows how much he has to spend. I keep money in his savings account for overdrafts, and larger impulse purchases. No more having him look at the checking account, seeing what he thinks is extra money, and spending it, when I've already written a check spending that money, it just hasn't cleared.

We just have one savings and one checking in both our names - we both know what we can spend weekly and stick to it - sometimes he doesn't, if he has a layover somewhere, or an emergency, I guess I don't worry about him cleaning us out - it's our money after all and if he needs it he needs it, but no one touches the savings, that's there for when freight is slow or he breaks down.

Its good to have different acounts for business reasons, as stated above.

But if trust is an issue, you might as well have a pre-nup too :wink:

re
 

well who is better with money? if your wife is trust worthy she should have access, what if an emergency occurs?

We have 3 accounts; a joint checking account, a money market account for emergencies, and an account just for him. 15% of his net goes into his account and that is for his expenses on the road. At the end of the year, we have a record of all his expenses on his bank statement...easier than reciepts. The joint checking account is for household expenses and then the mm account is there in case of an emergency (car broke down, whatever). It works for us.