How would you split bills between Husband [28M] and Wife [30F]?
If you say you need to “put it all in one pot and take out money for bills” i understand if that works for you, but I do not subscribe to that method. I have student loans/debt I’d like to keep my responsibility. I have my own method of budgeting/saving and so does my husband. We are satisfied with keeping our finances separate. We never argue about bills, it has never been an issue. I’m not posting here because we are unhappy, I’m posting for feedback/perspective.
So some background, Husband (M28) works part time (20-30hrs/week) in fast food and makes around $27,000/year net and I (F30) work full time remote at a consulting firm and make $54,000/year gross but $39,000/year net. Husband has no healthcare (he pays cash when needed, and actually spends less than I do) and limited benefits. I have full benefits (26 days PTO, 401k, healthcare, etc)
Shared bills - rent and internet 50/50, food like 30/70(i buy the most groceries a month @ around $100/week ) car repairs 50/50 (husband uses my car 5 days a week for work, also sometimes gives family rides, I use it occasionally on weekends or to go to the gym, but I paid the car off completely in 2024)
Separate bills - husband covers 100% utilities (approx $300/month) Any debt he accrues he pays himself (not much, he’s super frugal) his mom pays his phone bill.
I cover 100% car insurance (only like $60/month) my phone bill (only $20/month) and my debt - $28,000 in student loans- payments to start soon and $5000 in credit card debt (0% interest so it will be paid before the end of this year) I pay $46/month for gym membership for both of us
Do you think this is a pretty fair split? (I thought so, but am open to feedback)
As for savings, he saves aggressively. I save less aggressively, mainly because knocking out debt is my goal.
TLDR: husband (28M) works part time and makes \~ $10,000 less NET than me (30F) working full time yet we split bills pretty evenly because I have debt.
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