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Note: This only affects The Nest's community members and will not affect members on The Bump or The Knot.
Our tech team has launched updates to The Nest today. As a result of these updates, members of the Nest Community will need to change their password in order to continue participating in the community. In addition, The Nest community member's avatars will be replaced with generic default avatars. If you wish to revert to your original avatar, you will need to re-upload it via The Nest.
If you have questions about this, please email help@theknot.com.
Thank you.
Note: This only affects The Nest's community members and will not affect members on The Bump or The Knot.
Debit Cards
My husband uses the debit card all the time and doesn't keep the receipts or tell me! I don't want to have to nag him everyday or check the bank account online everyday! This time it was a $240 test for nursing school he paid for and didn't tell me! Suggestions on this??? I am thinking getting him cash and having him just use that.
Re: Debit Cards
after we get our bills paid, we just make sure the account is balanced and take out the spending money/grocery money/gas money in cash. Then we both put our debit cards away. That makes it easier and you don't have to second guess what has been spent!
hth
Names for our Currently Non-Existent Baby
Dx: PCOS 3/11
**TTC buddies with Browneyedhunni85**
We do cash for fun money for little things like sonic, starbucks, target charges. But that wouldn't have saved you from the $200 exam charge!
Maybe come up with "anything over $200 discuss first" or something? GL!
ITA.
I'll admit it -- I'm a nag when it comes to keeping receipts.
DH has gotten into the habit of giving me all of his receipts when he comes home from work everyday. I have a little file that I keep them in. He puts receipts straight into the file so they don't get misplaced. I log-in to our checking account everyday to see where we stand as far as our budget is concerned. We pay the vast majority of our regular bills (mortgage, electric, gas, cable, phones, etc.) through online bill-pay and schedule the payment as soon as we get the bill. That way, I can plan ahead and know how much wiggle room we have for discretionary spending through the month.
I would have a conversation with your DH and tell him you are concerned with keeping track of purchases and receipts so you can better budget your money and not inadvertently overdraw your account. I think it's a good idea to designate one of you to check your account regularly. IMO, it's not unreasonable for you to expect him to give you receipts everyday if you're the one keeping track of the checking account, or to communicate about big purchases with you before he makes them. Ask him for suggestions on what you can do to help him remember. It will get easier and eventually become a habit.
I think this is one of those things that is going to depend on your personalities.
My husband would laugh in my face if I asked him to keep a receipts. And there's no way I could keep up with mine. IMO it takes less time to pull up the account online and check the purchases anyway.
In our house, we have separate credit cards that we pay off in full every month out of one bank account. James manages all of it, but if he sees that we're spending a lot one month he'll tell me to cut some of the shopping down. But neither of us are big shoppers, so we've always been able to operate that low key and not worry that the other one is going to spend all of our money.
Ditto to pretty much what Mandasue said. When I use the debit card I either email him the next day with my totals or when I get home, put the receipt in his briefcase. He checks our acct everyday and will also let me know when I need to "slow down" on the spending. For anything over $100 or so, we put on our AA credit card to get miles then pay off every other week. When we first got married and shared an acct it was so hard, but I got used to it.
In fact today, I got an email from him that simply said "Receipts Please", lol!
So you guys that keep receipts - do you keep every little one? Like stop for starbucks, $3, stuff like that? Or do you just use cash for that stuff?
I'm not good at keeping that stuff when I need to expense it for business, no way I could do it every day!
Yep. I use my debit card for anything I can. I keep an "emergency" $20 in my wallet for unexpected things I might need cash for, like parking at an event, etc. I check the receipts against the posted items on our bank account everyday and categorize them for budgeting purposes - groceries, entertainment, pets, etc. I don't find it difficult since it's become a habit.
ETA: I like using my debit card because my bank has an online budgeting tool so I can categorize posted transactions. I can't use that tool if I'm paying cash and I find that little cash transactions can add up. I want to be able to track everything I can.
separate bank accounts = happy marriage (for us)
do you have an Iphone? most major banks have an application that allows you to check your balance on your phone. Agree with PP.. discuss anything over a certain amount.