Wow, Drew. I'm impressed--a healthy money relationship before you even
get married!
Love the NQA buckets. :-)
Karen
On 2-Jun-09, at 2:54 PM, Druzyne wrote:
>
>> Currently I'm using 2 different documents, one for my personal
>> accounts and another for my house accounts.
>>
>> If I use only one document for all the accounts, how the spending
>> buckets will be treated? Do I have to duplicate buckets for the two
>> accounts (Personal Restaurants and House Restaurants) or I can use
>> just one (Restaurants) and I can view the bucket for the two
>> accounts?
>
> Oletros,
>
> I personally think you'd be saving yourself a lot of extra work and
> confusion by having just one document with both your personal and
> joint accounts. For starters, you'd have a single transfer transaction
> for contributions to the joint account - rather than having to open
> another document and recreate the transaction. Also, you'll get the
> benefit of being able to see all your money at once.
>
> Since the separate accounts indicate separate purposes, it's not
> inappropriate for there to be a bucket for each. How many "duplicates"
> are there? If you're looking to consolidate buckets, you might be able
> to combine some of the household expenses, or some of the personal
> expenses in one bucket. For example, an "Entertainment" and a
> "Vacation" bucket could be combined into a "Fun" bucket.
>
> Soon I'll be joining my accounts with those of my fiancee, and I think
> MoneyWell perfectly allows the independence many find in personal
> accounts. Much like a virtual account, we each will have an NQA bucket
> ("No Questions Asked") for personal discretionary spending. Whether we
> save for big-ticket personal purchases, or blow it on a lot of small
> things, is completely up to us individually. We think it will work
> because we trust each other to stick to the limits, but we don't have
> to justify these purchases to each other. That's the theory, anyways -
> we'll see how it holds up in practice.... :)
>
> //Drew
> >
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