Account Integration and Consolidation for the "Newly Wed" couple
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Online Shopping - personally, I know my parents have separate accounts but that's just because my father used eBay heavily back in the 90s and early 2000s and my mother used it years later for a totally different reason. Again, separate or one account, it doesn't really matter. You're probably using the same credit cards for both accounts so they don't care and neither should you. IMO YMMV
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@thanksaj said:
Google/Apple accounts - separate...you each had your own. What advantage do you get from joining them? None really.
Actually we join them and the kids use the same one too. It means we buy software once and we get it as a family. Don't need to buy software for each person in the household.
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Take it from someone who has been married a long time.
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You are separate people keep social media accounts separate. The only time I think you might want to combine is when you have a child for picture purposes (but even then separate accounts is better). You both have different interests and things to share. It should be clear to friends/family/business associates who is posting what.
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Google Play (don't know don't use it) Apple we all have our own cause if we combined them there is some sync issues across the IPhone/Ipad getting calls and text messages. You can share and turn those things off but. Easier to have your own.
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Amazon Prime we (husband son and I) all have separate cards for when we purchase but we share an account.
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If you combine shopping accounts you can do things like Prime and have it make sense and you can get higher volume and combine orders. We shop for products as a couple, we buy as a couple, so our account is ours.
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Yes we shop as a couple and we shop separately and both of us shop for our respective businesses all through the same prime account. Makes are volume higher and we split the cost of prime between the accounts to (taxes in my house are annoying to figure out).
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@Minion-Queen said:
- Google Play (don't know don't use it) Apple we all have our own cause if we combined them there is some sync issues across the IPhone/Ipad getting calls and text messages. You can share and turn those things off but. Easier to have your own.
Ditto on the Play store knowledge.
Using the new Family account functions from Apple on their devices works out well.
My devices do not ring/get messages on my wife's devices but we can download each other's purchases. -
Here's how my wife and I do it:
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Social Media Accounts - separate, although we usually have each other's passwords to stuff just in case we need it for anything (and because we trust each other
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Apple store - one account, since it saves on having to purchase apps multiple times.
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Online shopping - we usually share one account, although there's minimal overlap on where we shop, mostly Amazon. We do have separate wishlists though.
Finances - one bank account, but we use envelope budgeting and put money into individual spending sub-accounts, so that we have money that we can each spend without checking in with each other. Major purchases we decide on together.
If there's any disagreements on what you guys come up with then there is usually an underlying issue that is driving it, so don't stop with the surface issue. Perhaps one of you has been burned in the past, or has a family history that is relevant.
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Social Media accounts - separate! My gosh, my eyeballs might fall right out of my head from how hard I roll them when I see combined accounts. We all know those people have trust issues, and if you're considering it because you don't trust the other person not to have shady communications, or innocent communications that you decide are shady, then there's a bigger issue. Maybe couples therapy would help. (Not directed specifically at you, but "you" in the broader sense of "lots of people")
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Apple ID's - we use one to save money on apps that we all use across multiple devices. As long as you fix the settings so that you're not automatically downloading everything and sharing every phone number, etc., it's great.
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Online shopping - we share an Amazon Prime account because it would be silly not to. That's really the only site from which we both make purchases, so we don't share accounts on say Oldnavy.com, but then again, it's not like Scott ever orders his own clothes or anything, and if he did, we'd probably just share it.
ETA: bank accounts - we had separate accounts at the same bank, so we just added the other to our accounts. Now we mainly use Scott's for everything, and if we have a specific designation for funds, we might move them to my account. It's just easier this way. I really like @Nic's idea of designating subaccounts for spontaneous expenses. Good idea.
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Our biggest problem is we have all had apple accounts for a long time. Now that we can combine them it's a pain so it will stay.
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Art and I each have a separate free spend account that we put a certain amount in each week (envelope idea just with credit/debit cards). And then a joint account for paying bills out of.
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As a soon to be married person this is helpful. Thanks everyone.
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Our bank accounts are "separate" as in we each have our own savings and checking. But we have access to each others. So we aren't keeping money from each other, but we can track where it goes to when we need to.
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Oh yes we both have access to each others accounts but they are separate.
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Ideally go for separate houses.
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Mrs nadnerB and I use seperate email addresses, social media and amazon accounts.
We share the financial stuff. -
@dominica and I have a shared wiki to track information. We highly recommend that. It has been invaluable.
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Social media accounts - definitely separate, Rachel doesn't want to hear about any of my hobby stuff, and like the rest have said they are designed to be an individual thing for individual people.
Amazon, we have separate accounts right now, I've considered making a single one just haven't taken the time. The biggest advantage of a single account is purchasing books and shared Android app purchases. They would all show up on any device we attach our amazon account to, otherwise Prime allows you to add up to 4 or 5 additional users to the main account for Prime access, so it really doesn't matter.
Gmail - We have separate accounts, we don't want each others contact lists on our devices, only our own. The unfortunate draw back is having to buy apps twice. I really wish Google would setup family sub accounts, but maybe they don't because they really want you to buy the app for each person individually.
Bank accounts - we have three and we both have access to everything. Shared - we figure out what our monthly house hold expenses are, what we each make as a percentage of the whole, and pay that percent into the shared account to cover the house whole needs. The remainder goes into our own personal accounts that we can spend as we wish. There is no complaining when someone buys something, no matter how expensive as long as the person saved/is using their own funds.
Now this said, if one of us makes significantly more than the other, when we go out together, the own who makes more often picks up the check from our personal account. -
@Dashrender said:
otherwise Prime allows you to add up to 4 or 5 additional users to the main account for Prime access, so it really doesn't matter.
4 or 5 additional users... How do you do this?
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@IRJ said:
@Dashrender said:
otherwise Prime allows you to add up to 4 or 5 additional users to the main account for Prime access, so it really doesn't matter.
4 or 5 additional users... How do you do this?
http://www.amazon.com/gp/help/customer/display.html?nodeId=200444180
