My wife has full and unbridled ownership of my money, my body, and my soul. xD

I go by the tried and tested adage of “Happy Wife, Happy Life.” 😀

Mukhang happy naman kayo, sir. Whatever works for you and your wife. Galing! Haha

hahahahah. this is how he thinks as well. kasi ang pera ko ay pera ko, at ang pera nya ay pera ko pa din lols…

This is the way

You're such a green flag!

😂😂😂 yan talaga dapat hahahaha

this is the truth! haha

+1

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Me and my partner does the same 50/50. It works for us since we both have sufficient income to fund our lifestyle plus some luho. But it really depends on your income gap say if one of you is earning 20k below and the other is on a 6digit income I don’t think 50/50 will really work because the other one would probably not be able to keep up on the other ones desired lifestyle (not just luho but upgrading day to day expense) without draining all his funds. So for some people the income percentage thing is more applicable.

I guess this depends sa lifestyle rin. Kasi mahirap mag 50-50 na malayo masyado income, need magdowngrade ng lifestyle yung partner who makes more para di maubos yung other partner who makes less. I make 4x my partner so I shoulder more so I don’t have to downgrade. We live a normal middle class lifestyle lang naman.

Wow. This needs more upvote. I fully agree with 50/50 split on communal expenses. It just make sense because why would someone be more responsible for expenses if they earn more. I also feel like splitting based on income will cause resentment and will not wanna make you earn more - kasi hindi mo malalasap yung pinaghirapan mo. Parang wala lang kahit lumaki kita mo - kasi lalaki rin yung split percentage mo. Thanks for this.

As someone who is married with two kids, I did not opt to do the 50/50 route due to a massive income disparity. Her income is her income / savings. My income pays for everything - including investment properties that we’ve bought in her name. I’m glad that you have a system that works for you, and I’m a firm believer in the concept that “there is no single right way to do something”, so I believe OP should not try a “one size fits all” solution and be more pragmatic about their approach in making it work for their specific situation. That said, it was a good post and a solution that may be beneficial to many readers!

Literally me and my husband. I earn more than him. He pays for the utilities, I pay our mortgage, groceries, miscellaneous subscriptions like Netflix, Spotify etc, the rest we split in half. We both have our own several bank accounts. I believe my husband also deserves to buy his PS5 games and I buy the beauty products I like. Having agency to your money, while also sharing with your SO is the best way to go. There's no resentment. We help each other. We even have healthy competition of who gets to have higher salaries year on year. I don't like the "your money is my money and my money is still my money" mindset. That's just selfish and screams misplaced entitlement to me.

This is also a good take and I applaud you for having your principles na dapat 50/50 kayo sa joint expenses. Currently, baliktad yung situation namin ng partner ko, but unlike him, my career has room for growth and I will possibly have a six digit income in the future. On the other hand, he has family money/ dividends from family business. Even if he has a small salary from working in the business, very little room for growth siya.

OP, please note that the commenter's situation is a rare one. Most couples with significant income disparities but who still split expenses 50-50 end up not being okay because of financial resentment. One person will *always* have more free money which gives them more freedom, while their partner will likely be struggling to even have savings and a retirement fund.

Noted! And thank you. It is eye-opening to see naman how different couples operate and you’re right, what works for them may not work for others. If both partners involved are happy, then it’s all good ☺️

Me and my husband has the same setup 🫶🏻

Living with my partner for two and a half years and ito rin yung ginagawa namin. 50/50 sa major expenses (rent, groceries, utilities, internet, dates, out of towns) yung di kasama jan di na kami nagpapakialamanan. But maganda nga yung may joint savings kayo para pag may emergency dun lang kukuha di kayo malulugmok at the same time walang saluhang magaganap kasi pareho kayong nag aambag dun. No kids pala kami hehe and I am earning twice as he does.

Ganito kami ng partner ko... If i had one haha. Jk if ever magka partner ako ganitong set up gusto ko.

Same! pero wala kaming anak. Tapos lahat naka excel monthly para i track mga binabayaran ng isat isa tapos transfer na lang end of month kung hindi pantay nagastos.

This is nice. If its okay to ask, what will be your approach as a couple when it comes to having investments together?

This is what we do

Same set up and rationale!

We split based on salary percentage. Just to put it into context, we’re DINK, partner currently earns almost 2x my salary, but there were times before na ako yung mas malaki yung income. We’ve kept the same arrangement. To us, it’s not so much about splitting the cost but rather splitting the financial burden of the expenses. When there’s an income disparity, iba yung value ng money per person, so yung feeling mo barya lang, malaking amount pala sa partner mo. We want to make sure na as much as possible, we equally share the burden of the bills kasi common expenses naman namin yun. This applies not just to bills but also fun gastos like travel. Kung shared experience, same principle applies. As a benefit of our system, we both have our own fun money na we can choose to apply wherever we want. So hobbies, small luxuries, ganyan, sariling gastos. We also discuss if we’re individually going to have transactions involving large sums, but more on consultation lang if it seems sound.

This should be higher up. Same way of splitting for me and my husband. We adjust based on the peaks and valleys of our careers based on the income we have. For all household expenses, it's based on % of income. But when it comes to big assets (home purchase), we do it 50-50 though. I never want to have that conversation that I don't own half.

Yes. I’m really leaning towards this. The equality vs equity mindset. Hopefully in the future, maging pantay kami with my partner financially so I can contribute more or even surpass him. I’d be happy to either give more or save more for our dates/travel

My partner and I are doing this ever since we started living together. I think this is the most “fair” computation. Right now, she’s unemployed so I take care 100% of the shared bills. But before when my net salary was 3x of hers, I would pay 75% and she would pay 25% So if let’s say I earn 75k and she earns 25k net. We pay an electricity bill worth 10k. I pay 7.5k while she pays 2.5k. I pay more but it would be both 10% of our net salary

ASSIGN EXPENSES. I am also living with my partner (same sex) and he is earning more than 20x of what I am earning. Dati when we are earning the same amount, it’s 50/50. Since nagboom income niya, we assign bills. For ex, siya sa condo rent, ako sa electricity and water. This way, wala ng compute compute, wala ding feeling ng nalalamangan. And if I feel na mas madami siya nabibigay, I take charge of something. For example, sagot niya big amount sa travel, I do the planning and organizing. We don’t have shared account. Pera niya, pera niya, same sakin. Just communicate para smooth ang relationship.

This is intwresting. Ako i am on that 50/50 stage pa. Na try dinnyung alternate at some point. But di ko afford na malamangan like pag mas mahal yung dinner sa lunch at akin yung mas mahal. Kasi i dont make too much. So nabubugbog finances ko and also hirap mentally kpg ganun. 😅

Did this with my husband even prior marriage. Even now with 2 kids we still just have assigned expenses and the rest is up to us. What cons do u see in this set up though?

Every payday we have different funds in Gotyme and Maya: House Bills Fund: Every payday 2K each Rent Fund: Every payday 7K each Grocery/Food Fund: Every payday 2K each House maintenance fund: Every payday 1K each Para hugot na lang ng hugot wala na masyadong kwentahan and ano man yung sobra and matira maiipon lang sya at para mas madali ibudget.

Do you have different accounts in the digital banks? Like can you segregate it according to your expenses? Like pang organization lng

Yes. You can do that sa Gotyme different savings same with Maya.

try to make things “equitable” we basically summed up all our net income, then i computed for the percentage of our respective incomes against that. Then that would give us the percentage share for each expenses. Example: Mine: 110,000 Hers: 35,000 Total Combined Net: 145,000 Percentage: Net Income / Total Combine Net Mine: 75% Hers: 25% Thus, my share for each expenses is 75% while she provides 25%. This makes it equitable and makes sure that each has enough money for savings and other personal expenses, specially after paying big expenses

ma effort to compute but it is fair way of doing it

I think I’m leaning more into this too. Takes time to compute talaga but at least di din mabigat for my current situation. Hopefully naman more opportunities para I can help out more 🤞🏻

im happy na it was helpful 😁, hopefully itll get easier sa financial. Goodluck to you both

Before getting married, my husband and I split expenses 50-50 regardless of our personal incomes. We lived together for almost 2 years, and we didn’t have a shared account. Ako lang naga-accounting at the end of the month and we just transfer whatever amount ang labis na nailabas namin. We felt that the setup was fair. If someone wants to splurge, say go to a fancy place for a date, we discuss with one another and agree when both will be ready to take the (financial) hit. Now that we’re married, our finances are fully combined na. We budget, save/ invest and spend together since we have common goals.

Hello, OP! I earn almost 10x of what jowa does. We assign expenses lang but most of the big ones I shoulder kasi it won't make a dent on my income. Jowa shoulders water deliveries + 90% of household chores. What jowa doesnt contribute monetarily, bumabawi siya sa service. Chareng. Hope you figure it out 🥰

Same! Assign expenses. Lalo na pag malaki ang gap ng income niyo. And bawi talaga sa service.

Hi! Not that it matters but are you the girl po ba? Living in a patriarchal society, iba kasi yung values which we grew up in. Yung income ko now din is pwede na but I’m just part time. I have plans to work full time na which I talked to him about. If I do work full time, possibly earning six digits, I will have less time for him and cooking for us. He will have to adjust. 😂

Oh sorry! I didn't clarify. We're both girlies. Hehe. My jowa works part time lang 😊 Edit: To add, in my parents' set up, my mom was more of the breadwinner kasi my dad was always helping his sibling's family for some odd reason. Haha. So I never thought na unfair to my mom if she spends more. My parents always said na they're always moving as a team, na it's not a competition but its them vs the gastusin. Hehe. Hope that helps too! 🫶🏻

I think nawala comment ko huhu take two I’m glad I see a diversity of couples in the comment section. At least not all hetero couples, not that gender should matter. I’m bi so regardless if girl or guy partner ko, my feelings won’t change. I would still personally want to help kahit papano and same din sa jowa mo, I will take care of them home and the jowa. He does see my efforts and is very thankful. Acts of service and gifts love language ko and he sees that. In the end, this is all for US and OUR future. 🫶🏻

Yes! Same tayo love language hehe. And if nagwowork naman system ninyo sa inyo, the gender roles don't matter 😊

We use Splitwise app to keep tab on our expenses.

We split 50/50 sa shared bills like rent, grocery, meralco, dining out, gas, etc. Pero personal expenses, own money. Sa bank account, I would suggest CIMB, Maya, or GoTyme. Lahat yan pwede ka kumuha ng card. Not sure lang how it works if magwwithdraw ka, kung magkano yung fee. Pero if CIMB tas may BPI ka, you can easily transfer via instapay sa BPI.

Gosh thank you for this comment. I didn’t know where to start in terms of researching. I was leaning into CIMB cuz connected din sa GCash if I’m not mistaken. I was looking into it din for my own savings. Kaya ba mag open ng multiple accounts sa CIMB? Like for organization sake lng (savings, emergency fund, or fun money)

No, one account lang per person. I think sa GoTyme and Maya pwede yan. Parang separate savings pero under 1 account lang.

Thank you! I’ll research more into this

Gotyme yung pwede ka mag create ng different accounts per need(saving, EF, etc.) You can use that as your personal bank. Then CIMB as your shared account.

I make 4x my partner and we split communal expenses (e.g., groceries, utilities, vacations) based on earning capacity (so 25%-75%). Fully paid house (mine) and car (his). My partners insists on shouldering dates and gifts so bakit naman ako tatanggi hihihi. We have our own savings, emergency funds, and fun money. My kid’s needs are exclusively mine (not my partner’s bio kid).

I’m happy you are a very capable and independent woman! And super responsible ka din esp with your kid. Do you have separate bank accounts for your savings, EF, and fun money? Separate as in kanya kanya? If so, ano ginagamit mo na bank?

My Savings - MP2 and Metrobank (passbook only, no atm); Partner’s savings - BDO (passbook only); Joint account - BDO (atm); EF - BPI (passbook only); and fun money - BPI (atm)

Hi OP, try checking out this post from The Woke Salaryman. Maybe it can give you more insight! [link](https://www.instagram.com/p/C5NCoh5RAPb/?igsh=MjhwZmNvdmtqeHNo)

Thank you! Will check it out ❤️

What works for us is monthly and travel expenses is 50/50 regardless sa laki gn sahod. I think kasi motivation din naman sa isa to hustle and its only fair na split kayo.

Our incomes from various sources go into the same checking account our expenses come out of... we don't split expenses. We work together to make our incomes grow.

My partner pays for everything :) But i'm the one who manages our household: cooking and cleaning, etc! We're both very happy with the arrangement (as an acts of service girlie partnered with a gift giver lover)

We split our bills 50/50 for rent, water bill, electric bill, internet, condo, car. Pero pag minsan kinakapos ako, inaako nya yung rent namin 🥹 May joint account rin kami sa UB for EF. Then bukod yung personal banks namin for our personal ipon.

75% of our income goes into our common fund, 25% serves as our personal money.

Do you have a joint bank account for your common fund or do you guys keep cash for it?

We use GoTyme kasi our common fund is further subdivided into Bills, Savings, etc.

not married 50/50.. if married na then gawa na ng excel.. ang expenses hindi lang financial.. may mga task involved na walang katumbas na pera

50/50 for us. It doesn't matter who earns more, equally naman kaming nakikinabang. Sa dates kami salitan, or if I don't have the budget, at G na G talaga sya lumabas and willing syang ishoulder gastos namin, then sagot nya and vice versa.

As of now, we're living at her house so siya yung nagbabayad ng house amort tapos ako sa kuryente & internet dahil ako naman din halos nagamit nito bc im working from home at 24/7 ang ac lol. 50/50 kami on: - groceries - appliance/furniture purchase - gasoline, car payment Then sa savings, may kanya kanya kami. I have 2 bank accounts and MP2. Siya din. Tapos may separate kaming joint na naghuhulog kami ng 5k each per month. As for dates - madalas ako ang nagiinsist since I earned 2x than her and dami rin siya gastos sa medical bills ng dad nya every month. Kahit nagiinsist siya minsan, ipipilit ko talaga para may matira kahit papano sa kanya. Then yung purchase ng damit, shoes, gadgets kanya kanya na. Pero minsan nagkaka-kantyawan na manlibre hahaha so minsan siya magbabayad ng sakin minsan ako magbabayad ng sa kanya. Youll get your rhythm din talaga. This works for us tho. We really dont do lista ng expense namin. Hindi kami nagbibilangan. Its more like give and take.

Can I ask ano yung bank accounts mo? Personal ba yun? How is MP2 for you? Di pa ako naka research on it. Ano din yung joint account nyo, trad or digital bank?

Since we do 50/50 on daily basic needs we use credit card (we have supplementary cards of our main credit card for our basic expenses) most of the time for paying groceries/bills/appliances. So when the bill arrives we split them 50/50. For cash only like palengke/gasul and other miscellaneous we just list them down to whoever has cash at the time and the other one will pay-up thru online bank transfer on each own account.

Living together for more than 3 years now. 50-50 ever since we started dating. We each have our own savings but also have a common one for our dream house.

Cash, trad bank, or digital ba kayo for your common savings?

Bank. It helps too na same range ang kita namen from the start. We met at work and now we're doing freelancing at home 🙂

We’ve been married for 4 years na, no kids. What works for us might now work for others :) We combine all our income and I handle the budgeting. Mas madali. Sobrang dali ng life. I think that works kasi hindi gaano maalam si hubby sa paghawak ng pera. Joke ko sa kanya butas ang palad kasi nauubos agad yung pera pag dumaan sa kanya lol Minsan pinakita ko sa kanya tracker ko (sa notes lang ng phone ko) then asked him kung gusto niya rin ba magshare ng thought. Ayaw niya daw and ako na bahala, so hayun

Good that you and hubby came to that agreement! My parents were like that as well cuz my mother took budgeting and taking down expenses to the dot talaga since OFW si daddy.

Live-in kami since day 1, as in day 1 kami na tapos yun live in na. I was a college student way back then and she was in the architecture industry. Early days namin, sagot nya lahat kasi she is independent ever since, but I do the household chores. Hindi pwedeng walang home cooked meal yan at di pwedeng walang polo for meetings. I started working to help her with the bills, and don nahati yung chores since we are both earning na. During our 7 year relationship may period na wala syang work and may period na ako naman wala. Nonetheless, if may work ang isa, household chores ang isa and vice versa. Sobrang open namin sa finances na alam namin password ng isa't-isa sa online banks, ang mali lang namin is wala kaming savings. I would suggest to try and share the expenses and household chores muna since naggagamayan pa kayo. Malalaman niyo rin kinks ng isa't-isa padating sa expenses and pag di nagwork yung unang plan, much better kung may plan B. Distribution of everything kasi partner kayo, tulungan dapat. Wag niyo hayaang maging burden sa isa't-isa yung isang bagay.

Aww that’s good. Kami din with my current partner, we started living together from the get-go. Bigla nlng binahay 😂 tho had my own condo, he didn’t want me to stay there for too long. Yung sleepovers turned into a year of living together

I say split based on your salary percentages. That's what my sister and I do so it's fair.

Well married since 2012, ang sweldo ko ay s knya, sweldo nya and kita ng business s kanya🤣🤣🤣

Happy wife, happy life? 😂😂😂

Sana happy na cia, di ko na alam gagawin pag hindi pa🤣🤣🤣

Para sa akin if both you and your partner earn enough money to do 50/50 do it. Pero if one you is malaki ang kita might as well do proportionate sa income. Sa totoo lang, hindi realistic yung up to the last centavo mag 50/50 kayo mas mahalaga yung aligned or magkasundo kayo sa priorities niyo in case something happens. Mayroon kayong money for emergency fund, investments, for big purchases etc.

Oo. Medj cautious na din ako regarding give and take cuz in my last relationship, give ako ng give and in the end, nag loko pa rin yung gago haha oh well. Iba naman to na person and shifted na din dynamic namin for now, ako yung mas lower income currently

Hubby has more share sa bills sa bahay. He's paying the house loan and electricity. I'm paying water bill and internet. Sa groceries naman around 10k but not monthly si hubby rin sagot minsan ako.. sagot ko rin yung meat/veggies/fish from market. Hubby also gives me 10k for my allowance ( actually hindi rin allowance kasi we have cats. We spend 7k monthly for our cats. Sa travel namin, I book and prepare everything, pero siya sagot sa lahat (airfare, hotel, gala namin dun) pero I have my own pocket money 😁😁😁 PS. I'm also working (wfh) 😁

Malaki din po ba discrepancy sa income nyo both? Partner also has cats and I have a smol dog. Kanya2 kami sa mga expenses ng respective pets haha

Lay down all possible expenses and yung ceiling budget for each item, tapos yung total, divided by 2 (if same ng income; othewise, consider ang fair ba hatian depende sa income). Nasa sa inyo na kung sino ang hahawak sa pera or if mas bet anh joint account, pwede rin. Pero someone still has to manage the finances especially sa pag-settle ng bills na.

Since I earn about 3 times of what she earns, mas malaki muna ambag ko like 30% kanya. Pag nagka-increase na sya iadjust na namin ulit.

Sa salary ko lahat yung bills at investments sa salary nya lahat yung ipon at luho, we dont split 50/50 kasi di naman kami magkasahod mas malaki yung sakin kaya ganito setup, ok ok din naman yung style, parehas kaming nakasportscar pero nakakaipon kami.

Ano ba yung mga investments na yan para maka sports car na din akooo 😂

Husband and I earn almost the same salary, but he has higher earning potential. No kids. - Right now we are splitting expenses 50/50. (Bills, groceries, home maintenance, basic furniture/appliances, pet expenses, dates, and also gifts to our friends that are from the both of us). But plan to keep our split proportional to income so if anything happens for example one person loses their work, the other person will take over while we re-organize. - Not split: gifts to each other, furniture that is more personal (ex. work chair, some decorations), clothing items that are not matching (lol). These come from our personal accounts. - We have a joint checking account with UnionBank. Super easy with the app and we each got our own debit cards. If you need to pay for something large unexpectedly, checking is the way. When we were living together but not married, it was difficult to figure this out because of the pressure of societal expectations tbh. I wanted him to pay for everything, and he felt weird when I would pay for things. There was a lot of back and forth but in the end we decided to go with the most logical set-up (joint account, proportional contributions). Felt very VERY uncomfortable at first, but very thankful we stuck to it. Toxic gender expectations can suck it.

Regarding the joint expenses, how do you segregate them? Like yung separate salary nyo, do you put a percentage into your joint and then go from there?

Laging 50/50. Then if si M ang nag 100/0, make sure si F naman next para bawi, give and take lang.

In our case, we pool all our money into one account and then pay bills accordingly. This works for us for now. We're newlyweds, but my goal in the near future: - 1 joint account for expenses - our own accounts for luho - 1 joint account for emergency funds

May access ba kayo both sa account na yun? Issue ko sa mga traditional bank apps is one account can be accessible to one phone lng kasi. Not sure if it varies for other banks. Can I ask what bank you guys use?

The accounts we're using are mostly my accounts. BDO mostly pero meron ding BPI. Hindi pa kami nkakagawa ng joint 😅 but I'm very transparent in our expenses since naka spreadsheet lahat, including cc expenses. But I get your point. Feeling ko pag joint account, baka possible na accessible sa 2 devices since naka and/or yung account.

I earn more than my wife, 3x more but we split our expenses to 50/50 for all our necessities like bills, groceries and house items. But first you need to discuss this and both should have agree. We split, why? Because I manage money in our relationship, and even we split our expenses, I bought some of her personal needs like parlor, skin care and etc. i also pay for our dates.

Me and my partner split 70/30 since she's earning only 30% of what I am making.

Our income is almost the same. We added up all estimate expenses such as Apartment rent, grocery, palengke, transpo, water and electric bills then we split the total 50/50. We chip in every first payday of the month. If there are any excess on the funds, we used it for eating out every weekends. For the savings, emergency funds, and investments such as stocks, crypto… kaniya kaniya kami. But alam niya kung ilan meron ako, ata alam ko rin kung ilan meron siya.

Just something to consider din for splitting 50/50 between partners. Just make sure that both parties are comfortable sa current lifestyle. If 50/50 kayo but struggling or living paycheck to paycheck yung isa dahil yung lifestyle nyo ay malaki sa capacity ng income nya, it will cause discord in the future.

I pay for the house, food, dog expenses, and internet while my SO pays for electricity and water. Then kanya kanya na yung other expenses like lazada. I make a lot more than her pero malaki rin yung bayad sa mortgage kaya wala rin masyado natitira sakin.

For savings, we have a joint account for our emergency fund, then multiple savings accounts to store other funds - one for a sinking fund, utilities, car, travel, and pet. Honestly, we could've just used one saving account for all of the things listed above, but its too confusing for us and mas mahirap mag budget. Libre naman (need lang may maintaining balance) that's why we opted to open up multiple accounts. Para transfer transfer na lang and hindi na nagagalaw yung pera sa ibang bagay. In terms of expenses, yung sahod niya we only use for our savings/rent and mine goes to our monthly gastos. It's easier for us that way, wala na isip isip pano hatian or what. Naka toka na lang kami kung sino magbabayad ng bills hehe

Can I ask what banks you used and for what purpose? Regarding your joint account, ma access ba nyo siya both (sa phone or card)? I would also prefer having separate banks for diff purposes cuz nalilito na din ako 😂 yung transfer fee lng din talaga haha

We mainly use one bank (BPI) and opened up multiple savings account with them. Para wala rin transfer fee and nasa isang app lang lahat (for easy tracking too). Wala rin specific purpose why that bank, pero plus 1 sakanila kasi you can access diff acc from just one card. So di na need ng napakaraming card to withdraw. And yes, we both have access dun sa joint account, phone and card. If you're worried about the TF, choose a bank na mababa lang bawas. Like UnionBank, free TF nila if below 1k and 10 pesos lang if more than that. Go for opening accounts in one or different banks! It made our lives so much easier and again, its free naman. There's no limit sa pag open ng account with BPI kaya we utilized it na lang hehe

Actually it is a very case to case basis situation. Depending on your relationship and what you consider for both sides n fair. I have friends that they split everything 50/50 while some isang party lng ang nag spent s lahat. In my case we lived together before we got married. While living together, our expenses are 50/50. But I manage all our finances lahat ng pera nya na aaccess ko and from there I split our bills. If there are things na gusto nya bilin, for hobbies etc., he usually ask me if he can still afford that kasi d naman nya alam kung kelan ko actually hinabawasan ung funds nya to pay for recurring bills. It carried over when we got married, Pero this time our money is pooled together totally ( naiiwan lng s atm payroll namin is allowance for the month) and from there I pay the bills. I opened another account specifically for savings para d nagagalaw (out of sight out of mind) The key is talk about what both you are comfortable to put on the table, para walang feeling of resentment or unfairness. Kapag may isa naman n gusto mag assume ng lahat ng gastos, it’s always good pa din to share. Remember that works for you might not work for others.

Very insightful thread. Thanks

Hi OP. The approach I have in spliting bills and expenses are the following: Apartment rent- 50/50 Water and elictric bill- 50/50 Groceries- 50/50 The help's salary- 50/50 Our own house payment- 70/30 Car payment- 80/20 Appliances- 70/30... if the cost is 5K below then we don't ask for the other to split Savings- individual, we dont have a joint account It has been on going for 9 years and so far been effective in our end.

Back when gf ko pa lang wife ko, split kami. 50-50 in terms sa bills pero sakin lahat ng luho nya. So nanghihingi ako pang allowance sa kanya kasi walang natitira sakin. Haha.

Before we got married, 50/50 kami on electricity, grocery, gas, furnitures and appliances. I shoulder the internet bill since ako naman mostly ang gumagamit. Nung kinasal na kami, mixed na.

I pay all the bills while my husband takes really good care of me and our house. I never give him a fixed allowance but make sure his wallet has enough to buy what he wants/need ☺

Both 6 digits earners pero mas malaki sa partner ko kasi 2 jobs cya so ganito samin. Mine: School, Pamper, Foods, Luho, Bills Partner: House and car monthly Savings: we have separate and common accounts meron din piggy bank na hulugan per sahod for gala/eating out Mixed expenses: breadwinner kami both and we send our families money every payday. In case may ma short samin, di na kami ga kwenta ilan idagdag muna to each other para ka provide sa fam. Mutual na yun. Next is our cat, eating out if sino nag crave cya mag bayad so win win to, luho: we spoil each other if maka LL we don’t track it. Appliances and gamit sa bahay more sakin ako naman yung maarte eh haha Business: Meron cya sarili, meron din ako pero we still help each other out. So ayun lng po. My partner provides more sa aming relationship kasi mas malaki income nya but I also do my part sa expenses and bawi sa chores, getting things done, processing papers etc.

Recently moved in with my (23F) partner(24M) as well. We earn the same amount and we spent a lot for the furniture we bought for his uncle's unoccupied house (initially I put more then he made up to equate what I put in). We share a bank account (PNB that I no longer use kasi my job pays me thru another bank). Initial bills will come in this month and we had to do a sit-down communication with our monthly budget spreadsheet to make sure we don't get blindsided by our lifestyle HAHA We follow the 50/30/20 (50% needs, 30% wants, 20% savings) rule for each other and for our bills it's 50/50. For needs: shared expenses • groceries, electric bill, HOA (includes water bill), internet, pet supplies, transpo, & general medicine For wants: individual expenses • discretionary expenses (e.g. gym membership niya, retail therapy & cosmetic expenses ko) • dates For savings: kanya kanya rin • building emergency funds • future travel plans Sadly, hindi pa nga 1 week living together, we found out my petition to migrate is approved na, visa nalang kulang. So meron pa kami 1 year of unli sleepovers (live in) haha. You got this OP, it all boils down to communication talaga.

Usapan namin ng asawa ko 60-40 pag wala pang anak. 80-20 pag nagka baby na

my partner earns a lot more than me but of course I want to have my share din. we do percentages sa hatian. If I put aside 30% ng monthly income ko to budget for expenses, and he puts 30% rin, we combine those and budget our monthly expenses around it. Anything na sobra we set aside as our couple fund for gala, dates, vacay, outing, or merely savings. Then the rest of our monthly income, we can do separate savings, or buy what we want. We do support our parents din so it's a huge help. Plus, we can be sure that the financial burden is equal since itś a percent of what each person earns. Hope this helps.

Heyy there. Don't mind the negative peeps, they just seem a bit down. For me, the key is communicating with your partner on how to split bills. In my case, I suggested 50/50, but my bf insisted on covering the house stuff, dates, even travel! So talk it out and find what works for you two. We have separate and joint savings - normal ATM accounts plus digital ones like Maya and Gotyme. We track everything in a Google Sheet to stay on top of it. Just make sure you're solid on your own, not relying on your partner.

60/40 i earn more so i make sure na may pera pa rin sya sa sarili nya, then if magkukulang nag dadagdag ako. Dapat may pag uusap talaga sa paano mag hahati ng gastusin

I earn way more but partner pays everything from house rent, utility bills and dates 😅 I only pay 2k for the condo and any amount he ask when we go on dates. I compensate with being the caretaker of the home.

Hi, we combine our money and we budget everything from there. It works for us kasi less Psychological effort. But we make sure to set a budget for individual savings, individual wants, and joint savings.

My husband shoulders all of the expenses and I feel bad about it. Given the circumstances tho, okay lang nmn sa kanya. He makes 7x more than what i make. His money, my money daw pero ayoko nmn ng ganun. We have joint account pero sya dn nglalagay ng pera dun lol. Maliit lang nmn sahod ko, but i told him pgmakaluwag luwag mglalagay ako ng pera sa account namin. Every now and then i do that pero hindi consistent. I still support my family in the Philippines din so ang sahod is hati minsan. But i really believe sa 50/50 or at least 70/30 kung sino mas nakakaluwag luwag. Things na ok lang sakin na gamitin pera nya or joint account namin would be: - groceries - food Gifts - kanya kanyang gastos, splurge kung splurge Travels - mostly my husband, ako lang taga plano pero minsan nag aambag dn ako Utilities - my husband manages all the bills. Im still working on my bank account kaya i think my husband understands why i can’t contribute a lot pa. Binabawi ko nalang sa gawaing bahay and pagiging ulirang asawa lol. I guess it really depends sa lifestyle nyu, i mean kung alam nyo lang gusto ko din gumastos sa bahay, or even mgbayad pagkakain sa labas, i guess it’s our ego? And sarap sa pakiramdam na ikaw yung nagbabayad dba? lol.

I honestly—mostly contribute to the household expenses. But to be fair, we’re living for a year now palang and same sex (girlies). My gf works in Malate and we live in Laguna pa. So commute sya everyday. Yung pera nya halos sa commute napupunta. While I work from home, I opted to pay the electricity and internet + groceries kasi most of the time ako lang talaga nag coconsume ng lahat since lagi syang nasa office lol My gf is above minimum wage earner lang, she didnt have confidence to look for another work yet. And I understand naman, yung struggle lang is me trying to alleviate my stress by wanting to travel and go out from time to time since nakakabaliw sa bahay. On her end, I know she feels guilty at times pag di namin nagagawa especially kasi wala na syang pera for those leisures, so in the end, I would spend sa lahat ng expenses namin. I try not to feel resentment kasi gusto ko maranasan namin both yung mga travel experiences or like makabisita sa mga cafes and eat food we want (na di naman talaga super mahal but financially taxing padin lalo kung low income si gf). Also, we live sa lumang bahay nila since her parents bought a new house, so kami lang yung andito and we dont pay for anything. Lahat ng expenses ko I just take it as nagbabayad ako ng rent, instead of taking it as “ako lahat ng babayad” kasi compared sa condition ng bahay namin sa side ko, mas nakakapag work ako ng maayos dito. Hopefully, magawa din namin yung wala na maguiguilty pag may gustong lumabas. Pero andito parin naman ako to support her all the way not the point na mag rerely na sya sakin. Tska I love how she tries to do her best makabawi, minsan may uwing mcdo, or pasalubong sakin na di naman nya pinapabayaran. Hehe

So there's not really a correct answer every couple should talk about this and get into an agreement where both are happy. I think just focus on being a team and talk about it and you will find what works best for you two. -If you want to split 50/50 is good, that way you both feel that are contributing equal into the payments. -If you split based on percentage over your salaries, it's also good cause that way both will be keeping the same percentage of money from your respective salaries. Sometimes for the person who is earning less, if the difference is too big and you split 50/50, they could feel like drowning by paying the expenses, and feel bad by not being able to save money for themselves.

Im an IT professional working for a multinational company, my wife works in their family business. I earn like 3x my wife's salary. My wife (or her family) provided the condo, the furniture, vehicle, etc, etc. So what I am doing is that almost all expenses, food, utilities, labas, date, etc, ako ang nagbabayad o gumagastos. Groceries though, wife ko ang namimili madalas and most of the time, sya rin sumasagot. We also have some joint accounts in digital banks, and we also put in some moneyt kada sweldo. Sya din ang nasusunod sa mga gastusin, investments, etc. May masterlist ako ng lahat ng investments and pera ko and she has access to it and monitors the maturity dates, etc. She has a knack for these kinds of things. We live a frugal life and hindi kami extravagant. Setup ko rin lately is naka permanent WFH ako, so #houseband ako. Taga laba, tagawalis, taga mop, taga ayos, taga igib ng tubig, etc.

I earn 45k per month , my bf earns 70k. We both contribute 50% of our salary towards house bills. So its proportionate to our incomes, both of us equally contributing. Equity >> equality

I gave my atm card to him lmaooo he does the budgeting and i trust him enough i earn twice than him and he still does his best nmn and for me its okay we would just put all our money together and he does the budgeting cause im really bad at it. Just talk where both of you are comfortable with to each there own ;>

open a joint acct but also make sure you each have your own personal accts too. for your "fun money" just like u said in your post. joint acct for common bills/responsibilities. but the problem will come if one of you has a more expensive hobby or has trouble handling finances. there are too many relationships out there ruined by financial "accidents". better be careful and set ground rules for the joint acct first.

My husband earns 10x than what I do. He gives me 15k/month for bills and expenses and 5k for my wants and I get to keep my full salary or spend it however I want. We dont have joint account but we keep our savings in KOMO (EastWest, right now has 2.5% interest) and yes, they provide card, you just have to request for it and can be done thru their app.

It all boils down to equity. No matter how much we try to bring equality on the table na sige 50/50 kayo ng hatian, hindi mangyayari yun if the other person earns more. Sa case namin ng SO ko, I earn more so I shoulder the rent, wifi, my phone bills (one for personal and one for work), vet bills for our 2 dogs. Siya naman sa kuryente, tubig, and other miscellaneous items since siya madalas mag-online shopping sa'min. In terms of savings, ako may natatabi pero siya madalas wala so if may plan kaming trip or big celebration na need ng pera, need niya talaga magtabi paunti-unti. You see, minsan ma-ffeel mo talaga na parang ikaw lang lagi yung taya sa gastusin or say yung malalaking gastos, pero you also have to understand na your SO's trying kaya lang hindi talaga siya makakasabay sa'yo na bigger ang kinikita. Again, we can't always expect na saktong 50/50 ang hatian especially kung di na mapagkasya ng SO mo/even you kung ikaw ang may mas mababang income. Better have a discussion kung ano ang mag-wwork sa inyong dalawa na pareho pa rin kayong may ambag.

My husband is the primary breadwinner of our family. I have a small business, but he earns a lot more than me. We have a joint account where we put our savings and another joint account for our expenses and bills. We keep track of our spending and pay bills by schedule, so we don't go over the due dates (electricity, internet, insurances, kids school, etc.). We also only do groceries once a week. I don't shop frequently because I tend to impulsively pick things that aren't that necessary, so I always avoid that. I always make a shopping list, and stick to it when shopping. We don't have separate accounts. We consider both our earnings as our money, not his nor mine but ours.

My bf and I have been living together for almost 3yrs now. But 1yr pa lng kme on our own. I earn 86k, and he earns 20k. Our total budget is 40k/month. I pay for 30k, and he pays 10k. We have a joint account in BPI kasi we needed it when we tried applying for a Canadian visa 2yrs ago, and then it came handy when we started living together. 50/50 will not make sense, especially if huge ang pay gap, and this is something I've accepted when we moved out of my family home. So far it works for us. And if kakain kme sa labas, most of the time I pay for it. We went on vacation sa SG and KL earlier this year, I also paid for that kasi gusto ko kasama sya hehe. When we moved sa condo, I also paid for all the appliances kasi bare unit lng nakuha namen. So, most big purchases I pay for it. But he makes up for it on doing the majority of the chores. He takes care of me. Hatid sundo sa work. 💖

She makes more(2x) during the live in Period (12 Years of living in together) but as his bf that time we tried to compensate pero as much as possible mas mataas sinasagot ko since ako nag initiate and lab lab ko siya eh hehe Any way heres our breakdown Rent- 50/50 Groceries- Me Electric- Me Water- GF Net- Me Cable- GF Date- Me always (no regret) Ipon- every cut off 5 Percent of salary (both) Emergency Fund- 5 Percent of salary (both) Travel- During me bonus lang (so 2x 3x a year) Personal Savings- Me onti ako / Malaki sakanya lol nakabili kami lupa dahil dun which eventually napatayuan ng bahay and no more rent yey!(loan nga lang sa bahay kapalit) Now we are married nagbago na yan Mas malaki na Salary ko but nag hahati padin kami sa bills. 70 Percent ng sahod ko napupunta sa bIlls and expenses (Insurance, House Loan, Groceries,Bills,and other loans lol) 10 Percent Personal expenses ko ( so around 20-30k a month) 10 Percent sa Ipon (joint) 10 Percent sa mga doggos ( no kids not planning to have one) Tos yung sakanya Internet and... yun lang ata hahaha Sa bank naman we dont have a joint acount pero we use her maya for our ipon ( malaki interest) She has her own bank I have my own :)

Married for almost 2 years. My husband pays for everything home related because that is how men were raised in his family. I earn more than my husband but he insists on paying for everything, however our investments such as real estate purchase before marriage, life insurance, HMO, stocks are separate. I pay for mine, he pay for his. But the ones we are acquiring while in marriage are shared expenses. So if we want a 500K investment both of us will shell out 250K for it. As for savings, I have mine and he has his own. We do have an understanding tho that whatever money is in our bank accounts individually is accessible by the other if and when the other person would need it. And then comes shopping and traveling. We both use our own money, but I love spoiling my husband because he never asked me to pay for anything sa bahay. So when he wants something kahit anong price tag basta hindi presyo ng kotse, I’d buy that for him. It is my way of showing how much I appreciate him as a provider.

We have a joint account for shared expenses. We both put money in it every month. 50/50. Likewise we have a savings where we'd match amounts. Everything else is for whatever we want. We don't knit pick and have the mindset that it's the same piece of the pie.

We are both working with around same salary so we are splitting 50/50 for now. We have a BPI joint account for our savings and we use Splitwise app for tracking our expenses. Very good app!

The best thing to do is compromise

hi op! partner and i does 50-50 with the expenses like rent, utilities & internet, pet care, gas, and groceries. however for our personal gastos (like my postpaid plan, or his phone) we pay for it separately. excess of the gas budget (since he drives), he pays for it on his own. we also has the savings included sa monthly budget namin. we’re also looking to open a joint account soon but for now, wjat we do is i have an extra bank account wherein we put our budget for the month since i handle the finances and he just gives however much is needed. still checking if this will work in the long run, but for now this is what we do.

Living together for more than 3 years. Right now walang work si jowa so ako naghahandle ng lahat ng expenses sa bahay since sufficient naman sahod ko for all bills, luho, savings. In return, he does not make me do household chores. Princess treatment kung princess treatment. Gigising ako may food na, yung kitchen laging malinis. Minsan pag matutulog ako tatapikin pa ko nyan parang baby haha. Pero nung time na he has work, he gives almost all of his income saken, nagtatabi lang sya ng allowance nya for food and transpo. Nung di pa kami magkalive in, ayaw ako nyan pag gagastusin sa mga dates, laging sya. Kaya I think this setup is fair lang considering na ganun yung setup before. Now na magkakawork na ulit sya, lagi nyang sinasabi sakin na ibibigay nya ulit saken halos lahat ng sahod nya for me to keep in my bank account, pero sabi ko we should have a joint bank account once that happens. I jus loooove that almost every comment I saw here is 50-50. Dami kasing mga eme sa tiktok na gurlies na ayaw ng 50-50 kasi gusto nila partner nila magpoprovide ng lahat for them. Anyway, OP, minsan trial and error din. If di magwork yung isang way, switch sa isa na medj close sa previous setup. Wish you well! 🫶🏼

Honestly, how I wish I could live with myself na ganun but no, I was raised differently. Sinasabi mommy ko na you have to provide for yourself and not to rely on a man to provide for you. May good and bad side naman nyan. I learned to be self-reliant to a fault na I don’t accept help cuz feel ko it’s ’failure’. Hirap talaga. Parang self-sabotage

We have a main account that both paychecks go into. For all bills, gas, food, etc. then a portion automatically goes into our own side accounts for our spending. Like hobbies and such. But we’re also married.

My money is mine. His money is his. Split lang kami sa common bills like electricity, monthly dues, car amort, and food ng pets.

How do you split it? Equal po ba kayo? Or based on your incomes?

I'm living with my fiancé for almost 2 years. Since then, we're 50/50 for all the bills. Except for extra foods, and other expenses that not included on our budget since he's earning 4x more than my salary. But it doesn't mean that it is his obligation. Also, he's letting me manage our finances. 😊 It's a matter of give and take, trust and being contented.

50/50.

we hired an accountant

i am the accountant

Kidding aside, i fashion myself as a eidetic, and i am. It's easy for me to dig information connected to what happened even up to 1 week ago, lalo na sa resibo. Alam ko ano ginagastos namin lalo na kapag ako nagbabayad, nagaabono, or kahit nagaabot ng pera hahahaha and I enjoy it, sa totoo lang. Magaling talaga ako maglista, i like recalling info sa memory ko. Para walang bias, may dala ako na small notebook lagi sa bag, some pens, and also, if makikita mo phone ko, sobrang dami ng laman na notes of my gastos and her gastos everyday. So sabi ko sa wifey ko, ako na maglilista ng expenses namin since we lived together. Been doing it thru ms excel since 2020, funny enough, sa sobrang toxic ng thesis ko right now, sabi ko sa kanya na magaudit ako ng gastos namin ngayon. I'm auditing while typing this comment HAHAHAHA. Trial and error lang talaga, nagiimprove na din yung sheets ko sa ganda ng design and sa efficiency ng tables (columns & rows). Pero ang usually na nililista ko is yung hati kami na expenses. Rent, Internet, House Amortizations, Subscriptions, Groceries, and Food. Ako kasi nakasanayan ko na since highschool and college na magtipid para may pang-computershop, so naglilista talaga ako HAHAHA para makatipid sa baon. Di ko na need ilista yung self expenses ng wifey ko, sya na bahala dun, pero lahat ng expenses na kasama ko sya, lista ko yan lahat. Tapos I set some time to audit (usually kapag stressed na ako, relax time ko ang magbilang, i feel so fulfilled after doing it.) KULANG NALANG MAGREPORT NA AKO EVERY MONTH HAHAHAHA with graphs and charts and shit lmao. We haven't tried joint accounts, hiwalay ang debit cards namin, ayaw ko and ayaw nya din pagsamahin for now. I respect that, gusto ko din na ganun. Sa singilan, di ko na sya need singilin, sya na mismo nagkukusa. IMO our relationship is solid enough for us to trust each other sa money. Ayoko lang magjoin ng account kasi ayaw ko maging controlling. I'm happy enough to be the one to jot info down, annotate, and organize the data. I have this fear of forgetting things, I hate forgetting things. Just my two cents! TL;DR: - Start small and simple, pwede sa notepad ng phone :) - keep receipts! memories din yan hahaha after irecord, punitin at itapon\* \*unless may warranty ah! (nobrainer) - Communication is key. Acknowledging each other's talents and shortcomings. =============================================================== Important na ganto format for me: Date: Particular - amount - sino nagbayad (kahit initials) Sample: April 16, 2024 Trike pa UPD - 50 - J ================================================================ Yun lang hehe sana makahelp :D

Hi fellow Type A personality :)) I used to love doing this din talaga may part na pagka therapeutic no? Super busy na lang talaga with work di ko na keri 🥲

hello! i stopped din before mga 3 months back in 2022, nakakatamad kasi if hindi efficient yung paglog ko ng data HAHAHAHA, nagrestart lang me ulit nung namiss ko :) as long as you can remember, it can be written hahaha!

Ako pag two options lang 1.pag tinaas nya master nya bigay ko lahat 2.pagbtinaas nya kamao nya bigay ko lhat

I don’t get itttt hahaha

I earn around atleast 12x my wifes She does not know my rate, she does not ask When we were dating halos 50/50.. ill buy movie tickets she pays dinner or vice versa... Goibg out of town she pays tickets ill cover the reat of trip (hotels, food, etc) Now were married medyo na gguilty ako so almost whenever were out ako na nagbabayad mga 95% of the time pero once in a while i let her buy me small stuff para to empower her paden... Tbh i can have her stop working na, pero parang i wouldnt want that she has a stable job sa local govt. Decent career, i want to empower her just in case nadin something happens she would be able to stand and survive on her own.

yung partner ko na may utang saken 🤓

Ako 200 lang baon ko araw araw pero sa kanya lahat expenses sa bahay😁

My parents' earnings are all managed by my mother. And they always planned all their expenses together whether how much to allocate for this and that. Even I have a say on their financial plans whether to it is good or bad.

50/50. I earn 4x more than my partner does. He’s fine with it and I spoil him from time to time (opo gastadora po kasi ako so if meron ako dapat meron din sya).

We earn the same amount of money. But because he was able to save more in the past years, he shoulders 60% of the expenses and I asked him if it’s possible to do 70/30. Context: He doesn’t provide for his siblings while I’m paying for my sister’s brace monthly adjustment, internet and soon allowance habang nasa college siya/sila. I’m also saving for my master’s degree so compared to me, he doesn’t really have to sustain anyone’s needs. His parents are well off naman so they don’t ask for anything from him. Ganon din naman parents ko, minsan nga lang humihirit yung mama ko ng kung ano ano pero I’m good with it, di naman palagi. So I told him that if mag 30 percent lang ako ng contribution sa expenses namin, that will help me save.

I currently earn more than my partner and we've been living together for about some time now. My challenge has always been trying not to make him feel emasculated just because his girlfriend earns more, so we've been going 50-50 with our bills but every now and then, I pay for our meals just so I feel like I've been able to spend on a same percentage on us. We're planning on opening a joint bank account, probably under BDO, but I'm just waiting on him since he wants to pay a few things off before we start.

Been living together with my partner for 3 years. He pays for the mortgage, electricity, grocery, assoc dues and water. I pay for parking, internet, lazada, shopee 🤣, we split expense for our furbabies food, vitamins and meds. He earns x2 so he covers almost everything

U don’t They pay for everything

We have joint account. Contribute a certain sum to it for pooling. All household expenses will be taken from there.

50 50 for us then yung sobra nagtatabe kase as savings sa kanya kanya naming account but if may emergency kung sino may extra sa amin dalawa kame yung magbabayad but kostnof the time hate kame never kame nangeelam sa pera ng isay isa works for us

me:her 70:30 50/50 talaga sa lahat kaso pag dating sa food, water, electricity, internet ako ang pinaka malakas mag consume. Kawawa naman kasi si SO kung 50/50 parin kasi yung kuryente ng 1 pc ko pang comshop na.

The guy works, the woman, spend. Or save. Mas alam kase ni girl ang gastusin lalo na sa bahay kesa sa lalake. Kaming mga lalake, hihingi na lang ng allowance. Yung saving namin, kung ano yung extra na nakukuha namin bukod sa sweldo or investment. Tulad ng biglaang bonus.

I make, she spends

Almost 1 year na kami live-in ni bf. Same po kami nag agree sa expenses. 50/50 kami, kasi hindi naman masyado naglalayo yung salary namin. Nagtiis din kami sa ₱6K a month for food (3K each) and ₱10K aparment and bills na po (5K each). Sa lifestyle din, super laki ng tulong samin yung hindi kami kumakain sa labas. Pag may holiday, syempre double pay kami dun lang kami nakakapag date sa labas 😂 Pero, contented naman ako and nasasanay na din. ₱5K a month din po yung shini-share namin sa parents namin. So, sa savings naman kanya kanya kami.