Last weekend, Prof and I opened a joint checking account.
This should seem like big huge news, since it seems like quite a bit commitment to actually, you know, co-mingle cash. Not to mention the co-mingling of credit reports, which may now forever be bound together, whether Prof and I live happily ever after or not.
I thought I would be freaked out about it, but I'm not. Though, when I found out (re-found out?) that several of my married friends don't have joint checking accounts with their husbands, it gave me pause.
The thing is, I trust Prof. 100%. With his money, and my money. Well, ok, 95% with my money, but you get the picture. He doesn't make outrageous purchases, he pays bills on time, he gets this little text message anytime his checking account gets low, and "low" for him is like 400 dollars. Hello? For me, 400 bucks is flush with cash. 20 is low. Ok, so he could be a little more careful about what he throws in his cart at the grocery store (our last trip to Trader Joe's nearly bankrupted me), but other than that, he's very cautious with money.
Plus, even though he doesn't own a home right now, that fucker has a better credit score than I do. Suck it Verizon! I hate you. I can't pay my bill if you transfer my account and delete the account number I wrote the check for. I also can't pay my bill when your support staff tell me that the account no longer exists and there is nothing they can do to help me.
I still don't really know how this "joint" thing is going to work. For now, I was thinking that we would each put a set amount of money in each month or each paycheck and pay household bills from that. But what's a household bill? Electric, cable and gas clearly qualify. And groceries. But what about my now weekly trips to Target where I spend 100 bucks on cat litter, cleaning supplies and random household junk? What about going out to dinner? Bottles of wine that only I drink? What about a new kayak? It will be in the house, doesn't that make it a household expense?
I still need to have my own account. And I need my paycheck to go there first, so that I can dole money into the joint account rather than the other way. For some reason, this makes me feel like I am still autonomous and independent. Even if I'm really not.
So, tell me, internet friends... How do you pay the bills with your partner?