This! Especially when theres always thatxchance for a divorce or thing start turning sour and tou need to get out always goid to keep some of your money set aside for yourself

If you win consistently at sportsbetting it’s nice to have another account for tax purposes. I put 50% of all my withdrawals in a separate savings account that way I know I’m covered for taxes and after the taxes I’ve got some extra savings. It’s a nice way to keep track although a spreadsheet of the $ amounts would probably work as well

Hearing similar - thank you

Only Fans says different

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The benefits I’ve gleamed from utilizing a joint account to pay bills but individual accounts for independence/incidentals are as follows:

1. The joint account forces you to know exactly how much is needed monthly for your expenses and thus that is how much goes into the account (plus a buffer). Unlike strictly maintaining a joint account, it is easier for both incomes to be added into the account with no real oversight on how the money is delved out to bills.

2. When utilizing a joint account only, the spending from one partner may be far greater then the other because they now have excess income to spend, leaving one persons attempts to save money left in tatters. My experience has been that most people are terrible at saving. This can be a major contention point in relationships.

3. If you are on a tight budget, imagine checking your bank account and seeing you have $100 to spend. Both partners believe they have money to spend, so one buys groceries, while the other purchases gas. Both essential. But now that tight budget is in the red and you are being charged a heft overdraft fee and depending on when payday is continued overdraft fees per day. Both parties were responsible and yet the error still occurs.

4. Independence is probably the biggest reason I’d recommend still having additional accounts for savings and incidentals. Not to be pessimistic, but there are pretty good odds that a relationship may not work out. You should be able to comfortably understand your finances and regain control of your funds. Not to mention the other reason in the original post such as birthday presents, or getting that little something for yourself that you’ve saved up for without having to worry about the explanation.

How is putting money into a mutual pot for bills and such putting money first?

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So basically what OP suggested. Suddenly you want to do something for yourself like betting and got a separate account. Why not just use the shared account since that was working so well?

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I think different strokes for different folks. My wife and I do the shared account route. She buys whatever she wants that’s within our budget and I do the same thing. Works for us but I know some people it wouldn’t work out for.

I'm a single guy, not very good at cooking, but when I was down on money the last few years I started buying weird random things to see what they were like in case it was something I enjoyed and could save money on.

Just before Christmas 2021 I went to my local supermarket.

To "make room" on the shelves for Christmas stock, they had put a ton of "baking chocolate" bars in the reduced aisle. I mean, dozens upon dozens upon dozens, filling entire shelves, in plain (but factory-sealed) wrapping, for pennies each.

I picked one up and felt it, and it felt like a chocolate bar inside. Cut squares and everything. I read the ingredients and compared it to a chocolate bar I had in my basket. Almost identical. The expiry dates were something like a year from that point (i.e. Christmas 2022).

I bought 10, I think they were 750g each. I thought, what the hell, they're really cheap and I'll try it and the worst that happens is that I have a lot of hot chocolate or chocolate cake to make.

I should have bought them all. They were basically just a milk chocolate bar. Tasted identical to any other.

I was tempted to go back just to fill up a basket with whatever they had left, but I thought that it was just being greedy.

My best finds over the past few years were that chocolate, powdered egg (I love scrambled egg and it makes perfect scrambled egg, and I hate things that go off quickly and powdered eggs lasts for YEARS. and you can get a huge 1kg bag of it for almost nothing), burying eggs in salt (they last for MONTHS without refrigeration, it's the air getting to them that makes them go off), salted preserved fish (lasts for years without refrigeration) and a particular brisket-in-a-bag (fabulous tender cut of meat, in a sealed plastic bag, that can be frozen and also lasts 2 months in the fridge so long as you don't open it).

Also, snapping up the "pancake mix" bottles after Pancake Day (Shrove Tuesday) - it's just the ingredients but it's a lovely quick meal that only needs water and the bottle of ingredients - chocolates after Valentine's and Easter eggs after Easter.

I also started doing the "world foods" aisles as they often have things in there that I end up liking or that I hadn't considered eating or preserve better, even if the "world food" part is rather contrived.

Why would a troll put an actual LPT up? I mean, the account does look sketchy (no offense, OP, “looks sketchy”=/=“is sketchy”), but trolls tend to post things intended to harm.

I didn't say anything about keeping finances separate?

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It’s actually not that hard to be profitable in sportsbetting if you know what you’re doing and you’re taking advantage of promos. For the most part it’s just a risk management game and you’re not even gambling.

For example prizepicks let’s you bet $20 risk free every Friday and they have prop discounts on Tuesdays and other promos throughout the year. If you only bet on Friday and promos the risk is pretty minimal. That’s just one site. If you start using promos across sites to maximize value you can add a decent source of income. It’s a process that can be a bit complicated to maximize profits, but if you just want some extra bucks here and there then the key is promos.

The issue is people who become addicted and just throwing bets left and right everyday or try to hit the big one to get money fast. I made $3.5k in 2022 (before taxes), maybe I could’ve made more if I was betting everyday, but there’s also a chance I wouldve lost too.

Tell me more about this falling sex

Neither in my marriage. And we really never fight about money. We talk and negotiate it out. Complete transparency.

instead of selling it, donate it

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I'd say a marriage who keep their finances separate probably have bigger issues. The whole point of marriage is to become a union.

This is correct. I was assuming a sale after death.

Mine too. But our premises were different, we both felt that we had already reached a level of autonomy that justified having separate accounts! So we agreed that I bear certain expenses and she bears others, more or less equally.

Everything has worked out perfectly for the last 25 years - and the OP is quite right, there are things I can buy without having to justify much and my wife the same ;-)

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Charge all of your devices a few hours before. If you have any of those emergency power bank things for your cellphone, charge those too.

Turn up the heat so the place gets warmer than normal. If the power goes out, you'll appreciate it being warm longer.

Have flashlights with batteries or equivalent lanterns and know exactly where they are so you can grab them in the dark.

Have food options that don't require using the stove or opening the fridge. Think peanut butter and bread, or crackers, bag of chips, popcorn etc.

If you have a wood or pellet stove, make sure you have wood or pellets.