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It can also be a difficult discussion to have, especially if two people aren’t on the same financial footing.

While I tried a number of different ways to jointly manage money, and I’ve heard from friends who have approached it differently, the truth is there is no one-size-fits-all solution.

What it looks like: With this option there is total transparency.Each time a joint expense needs to be paid, it’s paid directly from the joint checking account.You’ll keep all other accounts (including savings accounts) separate. This can include anything from rent and utilities to joint entertainment expenses like dinners out and weekends away.For example, if one person makes k per year and one person makes k per year and the shared expenses for the month are ,000, the person earning more would contribute ,000 (,000 x 60%) and the other person would contribute ,000 (,000 x 40%). Once you know how much you want to contribute to the joint account, set up an automatic deposit into the joint checking account each month.It also helps you learn how to budget as a couple because you’re forced to sit down and review what you expect to spend each month.

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