Should Husband and Wife Have Separate Bank Accounts: My Husband Wants Separate Bank Accounts

Most first marriages start with high hopes and dreams that the uninitiated lovers share in boundless enthusiasm. Such optimism often includes an assumed trust and faith in one another. At the beginning of a new life together it can be easier to share assets and debts equally. As the marriage progresses and years are added to the relationship there are many factors that contribute to a decline in enthusiasm for sharing the money equally such as egos, selfishness, varied ideas about necessities versus wants, etc. Adversity sets in, as it does for all of us. Perhaps there are problems holding a job, or health issues arise, or maybe accidents occur or maybe it is as simple as mistakes which are made while balancing the checkbook. As troubles tax a couple's finances resentment might build as one or both partners look back and wonder if they could have been more prosperous by staying single. If finances are kept separate the chances of working through such adversity together are lessened. Isolated into whats yours is yours and whats mine is mine people feel alone and disheartened even though they share life with another person through marriage. On the other hand, if finances are shared both partners are equally responsible for the successful financial outcome of the union. By jointly holding the money each spouse seeks the inputs and wisdom of the other to manage the accounts for maximum profit. What challenges one faces both face together. What success one achieves both enjoy together.

"When you get married you become one." "Money is a key area that helps bring unity." David Ramsey, Financial Expert. "... spouses should combine all finances and work together towards common agreed upon goals... Separate money equals greed. The bottom line is this: couples that plan their lives and finances together are much more successful financially and with their relationships." --Marriage and Money - Dave Ramsey vs. Suze Orman, March 20, 2012

The old saying goes 'There is no I in team'. Is marriage a contract between me and me, I and I, or is marriage about we, our, us? Going into life together can be tremendously beneficial to both partners. When two become one in all things each becomes more than they are by themselves. Math changes from 1+1=2 to 2 together = anything is possible. Many families have a tradition of saving their nickles and dimes to use to go on vacation. It strikes one as ridiculous to consider each family member saving to go on vacation separately. Mom saves to go see Grandma and Dad saves to go camping and Marsha saves for Disneyland while little Johnny saves to go to the ice cream parlor down the street. Agreeing upon a mutual activity takes negotiation and more effort than going on separate vacations, but it also builds shared memories that are held precious later.

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This is not to say that one partner should demure in passiveness and yield to their spouse all financial opinions and decisions. Often there are stark differences in the perspective each companion uses to view resource usage and risk management with. One spouse may be analytical in nature and the other might make their decisions from more of an emotional base. Such dissimilar viewpoints can make it challenging to reach an equilibrium both are comfortable with. It may seem easier just to separate finances. However such a decision can result in grave consequences. "Divorce attorneys have told me that when money is the issue that brings a couple in to see them, as it often is, the specific issue is usually that the husband and wife were living separate financial lives. Want to mess up your marriage? Live separate financial lives." How to Mess Up Your Marriage, Monday, December 12th, 2011, Matt Bell, author of Money and Marriage.

Is there more to a union of two souls than that of corporate mergers? Ironically, finances are often merged in shared business arrangements yet there are some who recommend the opposite approach for couples as if married companions are "... Independent Operators, my term for pairs who keep their accounts entirely separate." Jessica Crouse.

Healthy marriages are built upon compromise, respect for each other, and the willingness to entertain the thought that together you are smarter than you are separately. Nature witnesses to the efficacy of sharing the resources- even birds and animals bring home the bacon to be shared with the whole pride. Think about the survival rate of any animal species that behaved as if each was responsible separately for their maintenance and subsistence. "Life is not 50:50, nor should it be... when did this degrade from a marriage to a micromanaged contractual partnership?... I see a continuum from the first bit of separate money in a marriage to basically living as roommates." Evolving Personal Finance: The Slippery Slope of Separate Money.

Sometimes we might find ourselves wondering why some people make the financial decisions they do. During the recent housing crisis many opinions were expressed via twitter, internet forums, and even talk shows about where the responsibility rested for so many foreclosures. Terms like 'predatory lenders' and 'irresponsible borrowers' were bandied about. It is natural to become couch quarterbacks and passenger seat drivers when viewing problems others encounter, especially when we had no contribution to such problems. How easy it becomes to do the same with a spouse when married partners hold the finances separately. Harboring criticism instead of openly communicating about financial troubles does little to foster unity in marriage.

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"For this reason a man shall leave his father and his mother, and be joined to his wife; and they shall become one flesh" (Genesis 2:24). "So they are no longer two, but one flesh. What therefore God has joined together, let no man separate" (Matthew 19:6). Today it seems as if half of society would amend these Biblical verses to 'For this reason a man shall leave his father and his mother, and be joined to his wife, except financially; and they shall become one flesh' and 'So they are no longer two, except the bank accounts, but one flesh. What therefore God has joined together, let no man separate, except the money'.

In this world of hyper competition stress rules. If children are part of a marriage the love and joy that come to parents can also be accompanied by even more stress as the demands on available resources grow. If outside influences threaten the financial stability of the family stress levels rise even higher. Money is one of the major contributors to divorce, and it's easy to see why. Many people are constantly worried about taking care of their families, and as they grow older taking care of themselves through retirement. Such worry can breed fear. Fear can eat at the faith and trust in one another that was assumed at the start of life together. As faith and trust erodes the bonds of matrimony can begin to resemble chains tied to a sinking vessel where it becomes 'every man for himself'. However, if couples are committed to each other 'for richer, for poorer' they can lean on each other for the strength necessary to endure and overcome the challenges of life in these modern times. Years of struggle and effort together can help forge a tie that can defy financial obstacles in favor of the security such strong bonds ensure. Such security might not be financially based, but instead it might find a strong foundation in emotion. This means that sometimes spouses have to choose what is most important to them- money or love.

While comparing the pros and cons of united versus separate finances in marriage a clear conclusion emerges that supports the unified approach. Consider the following from Engaged Marriage: "Reasons Why a Joint Bank Account is Best: Encourages regular communication about finances. Built-in accountability partner on spending matters. Fosters unity in money matters. Strong sense of working together to meet financial goals. Clear that all household income is treated as "our" money. No conflict or administrative work in 'splitting up the bills'... The use of a single joint account also encourages (requires, really) open communication about your finances, which is absolutely critical to a successful marriage." --Should Married Couples Have Joint or Separate Bank Accounts? By Dustin of Engaged Marriage.

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A proponent of separate marital finances might argue that many of the benefits outlined herein can still be enjoyed even if spouses are not one with money. Without performing the work necessary for financial harmony it is like trying to describe the taste of salt to someone who has never experienced it before. There is just no substitute for experiencing the rewards other than doing the work it takes for two people to harmoniously live together financially. Communication can become improved as each works to understand the others' point of view. Sacrifice can enhance mutual appreciation as companions work to compromise with each other. Trust grows as each spouse strives to achieve mutual goals set together. Sharing money in marriage is an opportunity, not a burden.

In summation, money can make or break a marriage. Just like most issues in life we can use it to achieve positive results or let it use us in which case negative results often occur. The easy road might seem to be separation of the marriage finances. However, putting aside the possible negative consequences a couple thus engaged will miss out on the opportunities to build an even stronger relationship with their spouse through working together in good faith and trust in one another. It does require work and sometimes it is hard. A couple will not realize the rewards from such hard work by avoiding the same through keeping their finances separate. That trust and faith in each other that was assumed at the start of their life together can, through such hard work, grow into absolute confidence as the years accumulate. I like the following quotation about shared marital finances and conclude with it as follows: "Call me weird, but I just don't understand the logic of this. Call me old-fashioned, but I think marriage should be a partnership. Call me crazy, but I think separating your finances is a bad idea... (what) you are saying to each other is "I mostly trust you, but not with my money." With this sort of attitude, how could you possibly fail??? 'sarcasm drip, drip'" --Separate Finances: A Recipe for Marital Disaster, By Greg | August 28, 2012 | Debt, Income, Saving Money on Club Thrifty.

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Every marriage will face conflict in some form at some time for some reason. Saving your marriage before conflict takes over is the best help for a troubled marriage. The conflict should never define the relationship but be leveraged into a positive experience that builds trust, communication and strength in a relationship.

A few years ago after working out at a local gym I was in the locker room and overheard an interesting conversation. One of the individuals in the conversation was a marriage counselor and there were several others chiming in with their own experiences and thoughts.

I listened intently and a few thoughts really struck me. The counselor came across a bit cynical and stated that anyone who claimed to have a healthy marriage was in denial. Yikes! I could only imagine the advice he must be sharing with his clients. Someone else added that couples who don't fight were also in denial. Ahh yes the spiritual inspirations of a locker room!

Following this level of insight one begins to understand why our country is so prone to divorce and failed relationships. Accepting that relationships without fighting are doomed and a good marriage is also a sign of danger raises a few questions in my mind.

I will certainly agree on some level that if there is never a conflict in a relationship it isn't necessarily a good sign and chances are that one of the partners is "stuffing" some emotional, spiritual or physical need. It may be that in this type of relationship that the couple has never established a way of addressing conflict, needs or desires.

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A couple caught in this trap needs to learn better communication skills before the stuffed emotions boil over. Many a relationship will get to this point and fail to ever regain any sense of balance having never been in balance all along.

If positive communication is lacking it may be a delicate situation to begin the process of introducing any conversation of merit. Trust will need to be developed along the way until both individuals are able to allow themselves to be completely honest and vulnerable knowing they are loved and will not be judged harshly by their partner.

The process begins with reinforcing the positive attributes in the relationship. This may even put your partner on the defensive if it isn't how you normally interact. Before expressing needs of your own it will be less confrontational to ask your partner how you could improve some aspect of your relationship. This opens the door to understand their needs and desires and is no time to debate your point of view.

Simply accept what they are expressing and then decide if this is something you are able to improve or not. There may be a middle ground that can be attained with little or no effort. Sometimes just being aware of a partners desires is enough to make a subtle shift that will change the course of your relationship in a positive.

So what defines a healthy marriage? A healthy marriage is a partnership between two individuals that decided early on to define their relationship with positive and open communication. Both people have an admiration and respect for their partner and put the needs of the marriage ahead of their own selfish desires. These are the people that remain committed to their spouse regardless of whatever conflicts they may face as a couple. They understand that the strength of their marriage will help them overcome and grow stronger through their perseverance.

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You might have come across some kind of a marriage quiz in magazines. It may be a good idea for both of you to do such a quiz together. Apart from being an entertaining exercise, it can also help in improving your relationship. You may wonder how doing a marriage quiz could improve the relationship. It works like this. Though these tests are designed for the purpose of entertainment, they are also based on certain practical areas of married life. You are likely to score high in this quiz if you are in a loving mood. A low score will indicate problems of compatibility. This does not mean that both of you are basically incompatible and can never be together happy. A low score only underscores the need for improving certain areas of your life so that you have a better understanding and a better relationship.

Sometimes it happens that a couple starts the game but very soon both get into an argument. The argument is triggered by the problems in your relationship. The game will end abruptly, leaving you in a mood worse than what it was when you started the game. So, be careful not to start this game immediately after a fight. This game is not a palliative for your disputes. This will be a guide when you are in a calm mood, willing to play the game of quiz with interest. However, once you start the marriage quiz, you may start discussing certain aspects of your marriage. This discussion will be triggered by certain questions in the quiz. This kind of discussion may open up some communication channel between you.

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Another advantage of a marriage quiz is that it will facilitate your discussing a difficult topic, something you will not do in the normal course. You only have to take care that the discussions do not go out of control leading to one of you feeling estranged from the another. If that happens, it will turn out to be a case of a remedy worse than the disease.

If you are convinced that you can make use of a marriage quiz to sort out your problems by creating an opportunity for a frank but friendly discussion on your marriage, you may like to know where you can find such a quiz. This kind of quiz appears in magazines quite frequently and it will not be difficult to find something good.

Do you want to reawaken a committed and loving relationship in your marriage? There are proven steps that are amazingly powerful that will help you overcome conflicts and breathe life back into your marriage. This is a plan you do not want to pass by. Click here to see the proven steps on how to save your marriage.

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