OUR JOINT BUDGET | how to manage money as a couple | *free template* | BUDGETING WHEN MARRIED *

Hi! I'm Rachel Anita and this is how my husband jake & I budget our money. I have also created a free template fo you and your partner to use, and go over different ways you and your partner can handle your incomes, debt, and more. There is no one-size-fits-all and this is what works for my partner and I.
Feel free to "Make a copy" for yourself by hitting the file button. And please e-mail/comment if you've got any questions. I am not a financial advisor, I am just a young woman with a job and bills who's trying to be more financial responsible! This is what has worked for me.

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0:00 Start
0:25 Introduction
1:29 Budget Overview
3:16 Do we split or join finances?
5:49 Who pays off the debt
6:31 How to use the template - Semi- joint budget
10:36 Budget Example 2 - Completely joint
15:10 Closing

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instagram: itsrachelanita

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[MariaGarcia-gvhj]

Now I have more knowledge about personal finance. I just subscribed to your channel. Big ups to everyone working effortlessly trying to earn a living while building wealth in this recession. I’m 45 and my husband is 51, we are both retired, no debts. We are planning on relocating to Thailand. We are currently living a frugal and financially savvy lifestyle and generating passive income even during this recessionary period. Our commitment to saving and investing in the financial market has enabled us to maintain this lifestyle and continue earning monthly passively through investment""

[kathiacamargo]

this has to be one of my favorite videos, super helpful!!

[ekeminimark]

My partner just shared this with me, and I am subscribing. Thanks for making this video

[mushsmoosh]

Thank you so much! This was so helpful.

[johnmichaeltabvuma]

Thank you for being vulnerable so that you could help others who are vulnerable!I loved that you are detailed in your explanation.

[MoneywithGab]

Hey there new here! This is a great topic to cover. I definitely agree that you should have separate saving to spend as you wish! Here for support and subscribed for more!

[MichelleChiku]

Great tips! Thank you for the template...You are gorgeous 💙

[Brittwells_]

budgeting is so hard by yourself then add being married im listening girl❤️

[creatingbalancefinance]

Really comprehensive video - thank you for sharing. I definitely agree that its so important to get your budget organised when you get married. New subscriber from the UK here. Wishing you all the best for 2021!

[XoxoMiza]

Hi I will try that template this video was helpful thank you for posting it

[annpinheiro]

Most budget never include charity ...we all earn so much and so blessed with never do charity ...and bless the unfortunate ones

[maddisengreen]

Maybe you could make a video on how you budget/plan for buying groceries? I always end up over spending on food 😣

[xaviersmom]

We do the same thing but our income gets direct deposited into our joint acct. We used to get separate deposits but I found it was easier to have the same acct and we each have a card but I manage it alone and I just tell my husband what spending money we have left. We get paid opposite weeks/biweekly. So we just share all of our funds and let eachother know if he are going to buy anything over $100

[mvnnymunoz]

Hey I’m sort of late to this video but it’s very useful. Do you have to pay taxes for the joint bank account apart from your personal?

[JuicyRussianMartini]

What about like dates and vacations. Would that come from your joint account? Or would you guys split a vacation from your individual personal accounts. Same for dates. If he takes you out on a sit down dinner, does he spend money for dinner from the joint account or from his own?

[williams]

This might sound silly. But when we have a merge account do we both have separate physical cards but the same account? Or is it just one physical card?

[bygrace]

Living in Canada rn in a recession and $200/ in groceries alone!!

[aliviadeserae]

But how did you make the chart? My bf gets paid every week so I have to do a lot more weeks and I ran out of room on the budget chart in the description.. i don't even know how to add more rows

[nhayrify]

Hi maybe a silly question, just want to clarify since your budget is twice a month but the bills are monthly like your mortgage, so are you splitting the bill in half so your budget is twice a month?

[RoadtoFIRE]

Love the transparency! Congrats on almost paying off your debt.