My husband and I are bad at savings how can I open an account for us without him knowing?
I want an account I can put 20 dollers a pay check in but in case of emergenicies I want him to be able to withfraw from it. I realize thisis not a great thing to say but I feel if he knows the money is there it will be an excuse to spend it
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If you’re only talking about saving a couple hundred dollars, you could just put a twenty dollar bill in your secret stash in the house every week. Then if you’re not around and he calls you and says, “Ohmygoodness, I need a hundred dollars now because (insert good reason here),” you could tell him where to find it. Usually savings accounts don’t give you a whole lot of interest anyway, so the amount you’d get on a couple hundred dollars is negligible.
Alternately, you could go with a combination approach – $100 stashed under the mattress (or whatever) and a savings account in your name. Once it gets up to say, five hundred, talk to the bank about ways it could be earning more interest for you. You can opt for online bank statements instead of paper.
Ask your bank to open a “santa savings” account, this is just an extra account in which they pull a designated amount of money (that you choose) each pay check or each month and automatically transfer the money to the savings account.
You could tell him you opened an extra account for Xmas, but secretly you know its just a savings acct in general. Alot of banks do this, just call or go to your bank and ask them. Alot of people do this to save up all year so they have money already saved to buy presents.
Don’t open an account for the two of you alone, build a stash for yourself—privately…. one of my mom’s four rules to a great life:
“Have a stash no one knows about even if you know you will never need it. You will, and the more the better.”
And, open an account for yourself, separate from the stash you add to every month. He need not know about it, keep the interest form and add it later when you are filing your taxes…. it may be years before he ever finds it. But sweetie, you and he need a complete behavorial change if you hope to ever, ever, ever retire.
And learn some self control by not buying everything that” blings” at you, sweetie.
All those gomers at Walmart and Costco, did exactly what you two are doing, and as a result, there they are…. working at 76…………still!!! (And some of them look like they ought to be in a rest home.
Times have changed, hon. Every couple ought to have a stash that they can live on for at least 6 months…. any financial adviser will tell you that.
And alas, we used to teach kids this in hs…. and we don’t. And thus, people like you spend money like water. And I’m sorry. It used to be part of classes called “Life Skills.”
Easy….you go and open an account w/o him knowing it! Just as easily done as said Do not open the new account at your regular bank. Go to another bank that does not have your current information, such as phone number or mailing address.. Have all information pertaining to the account sent to a PO box. DO NOT GIVE THE BANK YOUR ADDRESS….ONLY THE PO BOX. Keep all banking information, whether checking or savings in the PO box.
Just open the account & then tell him you did & aren’t dipping into it either. He actually needs you to take these practical steps & encourage him to get healthier in his spending habits. It’s setting a necessary good example to him. Kudos to you for taking the bull by the horns!
If you feel that strongly about it, open it joint with your mom or something.
Have the statements sent to their house.
BUT, if you tell him about it “in case of emergency” then GUESS WHAT — there will be PLENTY of *emergencies* that will require him to withdraw funds.
Do what you have to do, but DON’T tell him.
Better safe than sorry.
xoxoxoxo
Just do it. But you should tell him. It’s not healthy to have secrets in a relationship. You do have a relationship with your husband, don’t you. I mean, it’s not just a marriage? Because, honey, that’s just a piece of paper!
open one for him and a separate one for you.
He isn’t a child, you shouldn’t have to baby him.
Just open it without telling him.
Yes, just open an account. If you are doing it for hte greater good of you both, then I see no problem with it.
just open one and dont tell him