*Loan,banking and credit>>>bank account

My husband wants to get separate bank accounts now but we can't afford to be separate. What should I do?

When we first got married my husband did not want a joint bank account but finally agreed to it. Almost three years have passed and he still unhappy with the situation. I bring home a little more than he does, but we still cannot afford to just split everything down the middle. We just purchased a new home and will be very limited to the money that we have left each pay period. We get into arguments about money all the time because he wants to spend money eating out, drinking and having a good time with this friends. Don't get me wrong, we all work hard and there's nothing wrong with that. But I will tell him a bill is due and he will actually get upset because he feels like all we do is pay bills. Well what are you supposed to be doing? When he hangs out with his friends he doesn't check the account. He just assumes that he ought to be able to go have a good time since he has worked hard. But bills come first, right? To be continued ...

Be careful, honey. He has done some very big things against his wishes and better judgement, because they are things you pushed for. He didn't want to merge bank accounts, but you "made him." He didn't want this house, but you "made him." You want to spend money on decorating, you don't want him to spend money on friends, etc.

I can assure you that he is beginning (or has for a while) resented that all of the "joint decisions" are really your decisions that he is pushed into. The two of you have different priorities and money styles. You cannot make him have your priorities and money style. You can try, and it might appear to work for a little while, but it will take a huge turn for the worse if you push.

You need to find a way to balance your priorities and his and to make sure that both of your spending habits are taken into consideration.

if he wants to be like that, then the separate accounts will be sweet on your part. good luck taking care of that child
hes got problems
do not get seperate accounts there in no accountability in that and it will cause far more spending/trust issues than what you have now. I read that you make two large car payments and now you have a mortgage...How's your credit? Is there anyway to refinance the cars and get a lower rate? Or trade them in on less expensive vehicles? How about your mortgage? Was it a great increase in payments each month from your apartment? What about credit card debts? What are those like? I don't mean to be nosey and you don't have to answer me but a lot of times you can find creative ways to free up income without sacrificing paying your bills on time. I don't think seperate accounts in your case is going to turn out well at all though.
I have worked in the financial industry for over 10 years
Sounds like to me you would do better with seperate accounts, you don't want him to put you in a bind because he is being irresponsible,you will end up resenting each other because of money.So let him have his money just make sure your money for your bills are in a seperate account that he will not have access to.Sad you have to be the only adult in this situation but you are actually looking out for your stability.
Here is my answer....
First of all, you need to cut down talk by 70%. You wrote a book to explain something that could be said in 2 lines. You married a greedy SOB who doesn't care for ur financial well being. The biggest cause of divorce is money even more than adultery. You already make more than him maybe that's what is driving him nuts. How old is this guy and what is he doing hanging with single friends all the time? I fear you might have just married the wrong guy. I suggest you sit him down on a Saturday morning and hear his suggestions on how you guys can bring more money into the house. You also need to dump the huge car payments and get 8 yr old Toyota Corollas. I hope you don't have kids because I have a feeling you guys are heading to divorce court.
Good luck!!!