1 chequings5 savings accounts1 line of credit - no balance2 credit cards - no balances
I've wondered if having my money in many different accounts helps psychologically, rather than pooling everything into one account. Here's what I've got:1 joint checking account1 joint savings account1 money market account just for me1 checking account just for my wife (that she keeps at about $10, no idea why she has her own checking account)1 savings account just for me2 credit cards in my name (combined average $500 balance, paid off in full at the end of each billing cycle)1 credit card in her name (average of $1,000, which she only makes minimum payments on)I've asked my wife to establish a savings account, and after 2 years worth of pestering, she still hasn't done so. It also bugs me that she maintains a balance, but we each have allocated money for each of us personally, we transfer set amounts to our joint savings and checking accounts, and pool the budgeted money for household goods. She makes out on the deal because she considers decorating our house to be part of the budgeted money, yet she also considers it to be her hobby. So, essentially I pay for her hobby, while I have to pay for my hobby (restoring old cars) from the "allowance" we give ourselves. Somehow, I still always seem to have money available for emergencies.
A total of 6 including CD's.1 Regular Checking1 Money Market for Emergency Fund3 CD's Laddered containing House Downpayment1 On-line Savings Account containing future car savings
1 joint checking1 joint savingsThat's it. I really want to open an ING savings account and automatically deposit money in there each paycheck, I am just trying to get my husband on board! My husband has the same two joint accounts as well as his one business savings and business checking.
1 checking2 INGs (EF and other random saving)1 Money Market (downpayment fund)
In all I have 5 checking accounts, 1 savings account, and 1 credit card (with no balance). I wouldn't normally have that many checking accounts (as 2 of them have .03 combined), but I work for a bank and opened them more for my job than personal use
ING Savings (14 total sub accounts, mix of self, and spouse/mom joint)ING Checking Local Bank- 2 savings (1 just me, 1 joint), 1 checking (joint)Credit Union- 2 savings (mainly b/c the account are 20 yrs old)Depending on how you count ING sub accounts that totals to:5 or 18 Savings2 Checking
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