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The Cafe - 'TC' So? Your daughter wants her belly pierced? Your cat keeps using the couch as a litter box? Your husband taped the Hockey game over your wedding video? Your neighbor has a gnome collection and it makes you mad? Pour yourself a cup of coffee and come on in to The Café! Talk amongst yourselves...discuss, question, reply, or respond to many subjects!

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Old 03-01-2007, 12:37 PM
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Do you hide money?

I do! but got caught. 98% of our money is our's But I made some extra money and hid it for various reasons. He found it and took it to the bank today. I"m sssOOOOOOOOOO Mad! However he did not find the other stash and I'm wonerding if you have any ideas where to "hid" it???
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Old 03-01-2007, 12:40 PM
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i dont hide money just because i dont see any reason to.
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Old 03-01-2007, 01:05 PM
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I hide money, but not from my DH..We hide about $100 in cash around the house just in case we need a quick few bucks....my DH calls it the Home ATM. We have several places, like little used cabinetsand winter coats,

My mother used to keep $50 in 5s in a prescription bottle in her travel case for the same reason.
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Old 03-01-2007, 01:06 PM
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I hide money all the time.....My DH doesn't like to give me any money during the week. So I put it in the last place he will look....In my box of tampons. And no I have never thrown away any money. I don't keep much in their around $50.00. I do not get any money through the week but the weekends I get his debit card. So I always take out an extra 50 and hide it. He never says anything but if he found it he would take it.
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Old 03-01-2007, 01:15 PM
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I hide it all the time! I don't think there is anything wrong with having a few bucks in case I need it. My dh will give me money whenever I ask, but sometimes I come across something I 'd like to do for myself.
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Old 03-01-2007, 01:22 PM
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I have one better - My mother-in-law would do this -- on the morning after my FIL had a night out with the guys drinking - she would get up and take a ten or twenty out of his wallet - and stash it for her own fun money -- AND she still does it to this day - and he has never caught on! She said she knew he would never say -- man I spent 10 or 20 dollars more than I thought I did last night.
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Old 03-01-2007, 01:23 PM
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DH and I don't need to hide money from each other. We share checking and savings accounts. We both have debit cards and take money out when we need to. Sometimes DH does make withdrawals from my purse, but I don't mind since I can just get more cash when I go to the grocery store. I check our account online every few days and record any withdrawals that we may have made (usually just a few withdrawals a month). If anything, I sometimes notice that DH has deposited money into our savings account without me knowing about it, but I don't consider that hiding since it's there for me to see.
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Old 03-01-2007, 02:09 PM
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I call mine "the stash". DH knows I have it, but doesn't know how much. I just like to have it in case I run a little low, have to buy something from a fund raiser, or stop at too many yard sales. I keep it in a little zipper coin purse in the bottom of a dresser drawer. The tampon box is a great idea, though!
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Old 03-01-2007, 02:11 PM
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nope....I have nothing to hide from my DH. If I ever found out he hid money from me, I would be furious. We have a "stash" of cash at home that is hidden from the kids but available in case of emergency. I just get money at the bank when I need it and DH gets money from the credit union (at his work) when we needs it.
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Old 03-01-2007, 02:14 PM
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No reason to hide money here

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Old 03-01-2007, 02:26 PM
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Not from each other. We do have a stash (my request) of $100. It seems we are always broke at the worst times. So this is for those times so we can get groceries, gas, etc.
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Old 03-01-2007, 02:29 PM
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Smile Money

My husband and I both have access to our money

I do keep maybe 5 or 10.00 in my purse but usually goes to him anyways for lunch or something
Theres no way we could hide money from each other
we both have access to bank, CC and paypal and I see every transaction
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Old 03-01-2007, 02:44 PM
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I kinda hide money from DH. He knows I keep an emergancy stash but doesn't know where it is. If he finds any money he takes it and spends it. Then when I need it, it is gone. This makes me soooooo mad. I don't get to the ATM often. The drive through one is really out of my way and it is too much trouble to unload the kids to use the one in the store.
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Old 03-01-2007, 02:47 PM
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Do I see a need to hide money in my happy marriage? Nope!

Am I smart enough to know that 50% of marriages end in divorce? You better bet your bippy!

Every single financial advisor will say that a 'smart' woman has her OWN account.

DH and I have joint checking and savings, and all of our money goes into the community pot.

But, I DO have an account that he does not know about- I put extra money in there ( eBay, mystery shops, babysitting, etc) I have enough in there that if my wonderful husband decided to have a midlife crisis tomorrow, and walked out on me and our children- that I would be safe.

It is foolish to believe it can't happen to you. Ask ANY woman who has been through a divorce if she thought it would happen to her.

Today's wonderful man can easily turn into tomorrow's cheater- who drains the joint accounts and moves to Mexico.

There was an article about this in this months Redbook! http://redbook.ivillage.com/home/0,,b7lgtlp1,00.html

I am not calling ANY of you 'un-smart' or foolish- please understand that. I just want you to be PREPARED.
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Old 03-01-2007, 02:48 PM
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I do We (I really) have about several hundred dollars stashed around the house. It's emergency money, really. Plus I have seperate "savings accounts" hidden here and there. We borrow against it occassionally when necessary. DH knows where everything is - occassionally he will make a "deposit" as well. Currently my largest fund is for a new living room set. I've saved about $350.00 so far . . . We also have bank savings accounts, but I find that I save more money if I can do it this way! Whatever works, I guess.
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Old 03-01-2007, 02:50 PM
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I hide money all the time. Some he knows about, some he doesn't, I don't think he WANTS to know, either. He's a spender and if he asks how much money there is available, he'll spend all I tell him... and I'm not a good liar lol

He has access to everything, in fact the savings is only in his name because my drivers license had expired and couldn't use it... but he doesn't know how to log in and told me not to tell him (I do have the info saved in case something happened to me though)
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Old 03-01-2007, 02:52 PM
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We have a home stash of money in case of emergency. One time I took our home stash to the bank to deposit the money for a trip's expenses- the teller said, "what is that smell?'. I had had the money in the freezer and the money smelled like freezer burn!! My husband knows that there is money somewhere but I doubt if he would remembe specially where it is.
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Old 03-01-2007, 03:05 PM
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We have mney stashed that each of us knows about. I have some he doesn't know about and doesn't care about because it never gets over a couple of hundred. Two years ago on our anniversary my husband had surprised me with an account he had with both names on it that he had been stashing his bonuses in over the years and it had finally hit six figures. This will help with our retirement in the future.
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Old 03-01-2007, 03:09 PM
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I have a small stash put away for an upcoming trip.
Don't know if DH knows about it or not.
It's under $100 at the moment.
Just so we have a bit of spending money while we are gone.
Most expenses will be put on our Disney card to get more points for our next trip to Disneyworld.
Anyway, I have it in a book in the bedroom bookcase.
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Old 03-01-2007, 03:11 PM
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I agree with Cici.
I do have some money put away just in case my DH would do something stupid. I am a SAHM and wouldn't want to be stcuk if something did happen. Actually that happened to my mom when my brother & I were little so maaybe I'm more paranoid then most. But better safe then sorry.

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Old 03-01-2007, 03:31 PM
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"It is foolish to believe it can't happen to you. Ask ANY woman who has been through a divorce if she thought it would happen to her.

Today's wonderful man can easily turn into tomorrow's cheater- who drains the joint accounts and moves to Mexico." Amen CiCi. This happened to me my ex left me on Sunday after I had been laid off on SAturday, no milk or bread for the little guy, electric due to be turned off, he had my last paycheck and left me $5!!!

Now for the subject at hand, yes I have a stash that is hidden but my boyfriend knows that I have it and does not know where it is.
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Old 03-01-2007, 03:57 PM
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Thank You CiCi!!!!
I don't like to go to the bank every time I need cash. I usually charge everything. My Dh and I share all money. I would not be suprised if he had a stash. I don't see anything wrong as long as bills are getting paid and money is not missed. I know my DH saved a stash one time and bought us a trip out of country. I may or may not do the same with my money
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Old 03-01-2007, 05:07 PM
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But, I DO have an account that he does not know about- I put extra money in there ( eBay, mystery shops, babysitting, etc) I have enough in there that if my wonderful husband decided to have a midlife crisis tomorrow, and walked out on me and our children- that I would be safe.
I thought we were talking about stashing a bit of money at HOME. I DO have a separate savings and checking account with just my name on it. DH knows about it, he is the one who insisted I open it when we got married.
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Old 03-01-2007, 05:35 PM
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The only money I hide is about $20 is my wallet. Emergency money, you never know when the bank card won't work and you need gas or food or something like that. I am a SAHM but drive about 500 miles a week for kids school, and after school activities... I have had to use my "emergency money" once, and I replaced it the next day.
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Old 03-01-2007, 06:07 PM
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I do a little bit I usally just dont tell dh if I get extra money cause then he will decide he needs something & he really dont.
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Old 03-01-2007, 06:16 PM
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"But, I DO have an account that he does not know about- I put extra money in there ( eBay, mystery shops, babysitting, etc) I have enough in there that if my wonderful husband decided to have a midlife crisis tomorrow, and walked out on me and our children- that I would be safe."



Smart Woman!!

Yes, I'm a stasher
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Old 03-01-2007, 06:33 PM
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Yes I do ,but so does he!
We each have seperate bank accounts and a joint one.

I could keep all my money in my purse , because my DH never gets in my purse.
I have told him to get something out of it and he still will bring it to me instead of just getting it.

He insisted I get a credit card in just my name. So I will have a credit rating if something happens to him.

He did this when a friend had a terrible divorce.
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Old 03-01-2007, 06:35 PM
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I have a PayPal account that is in only my name. It has a debit card connected to it. It is my little stash.

I also keep a few $$$'s stashed around the house that we both know about.

We like having cash on hand and sometimes our wallets run empty.
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Old 03-01-2007, 06:45 PM
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I do and it's called "Hollys Secret Stash" but hubby has one as well and he calls it his "Milk Money". It's not hidden though, we both know where it is, but neither of us know how much the other has in their 'stash". We'll add to it when we have a few extra bucks in our pocket but it's not a certain amount every payday thing at all.

We both do the finances in the house (I actually do the writing of the checks and all the accounts are in both of our names) so these little stash pots are for fun stuff...whether it's DD needs a few bucks for a school thing, ordering out for a pizza or whatever. I hate having to go to the bank all the time to get cash.

The last time we cashed in our stash...hubby had enough to buy some stock he was eyeing up and I had enough to pay for Christmas in cash.
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Old 03-02-2007, 12:31 AM
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I have to agree with CiCi on this one.
When I got married my dad insisted that I have an account in my name only that my husband knew nothing about and called it my "Runnin' Money". He had seen too many women in bad relationships that put up with abuse because they felt they had no way out. With the account I would always have a way of bailing out if needed. Never used it. Still believe in having "Runnin' Money".
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Old 03-02-2007, 12:54 AM
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I never have hidden money from my dh, but my dh hides money from me..everytime he gets caught he says I forgot I put it there..lol

Now my aunt babysitted for over 20 years..She hide money from her dh just it case if she ever needed it.. She was away on a trip & he decided he was going to surprize her with newly installed carpet . Boy was he suprized when the people started ripping up the carpet..they were finding hundreds of 50's &
100's dollars bills stashed all over the house..When she return home ... he told about his find ...she sat down at the table and started to count all the money.. she knew exaxctly what she had.. I can't remember exactly how much it was but I know it over $ 25,000
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Old 03-02-2007, 02:11 AM
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No cash hidden at the moment, but I do have a number of gift cards, the credit card type, tucked away. They're emergency money, but they'll expire soon enough, so I need to put away some actual cash.
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Old 03-02-2007, 02:40 AM
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Hubby and I have access to our joint accounts with a debit card. However, Since I handle all the finances, I dont really need to hide any money. I do have a checking account in my name only for Ebay and online transactions to protect our main checking account.

If I ever had to "run" I know the passwords to my online banking.. hubby doesnt. So I can dump all the money right into my account in a matter of seconds! I know that probably sounds bad but hey its what hubby chooses.. oh well Id leave him a dollar or two ..Im not that greedy LOL
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Old 03-02-2007, 07:04 AM
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No, I dont hide money from hubby. I dont feel the need. If anything he would be the one hiding money....lol. He gets paid and his check goes into our account and I handle all the bills and everything. He never knows until I tell him how much money is in the bank. We do it this way because he works SO much that he would never get the bills paid and it would be unorganized.

We keep a stash of cash on hand.... only about $100. It is for emergencies or if something should happen and we cant get to an ATM. We started doing this after 911 and Hurricane katrina reinforced the habit.


Where would be a good hiding spot?? How about near something he never touches? Does he clean or do the vac'ing? I think the tampon box is a good spot but, I dont have a need for them so that wouldnt work for me. I was trying to think of another spot.

Good luck,
Darlene
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Old 03-02-2007, 07:54 AM
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Wow you guys are scaring me. DH has all accounts in his name checking, savings, business. I don't have any credit cards well actually I don't have anything. Sounds like a discussion for this weekend. I doubt that he will change anything. You are making me think.
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Old 03-02-2007, 09:44 AM
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Nope, no hiding money here.

I have a credit card, and DH has a copy of it. DH has the Paypal card and his own credit card. We both have a copy of both ATM cards (we have 2 bank accounts - on is rarely used and is attached to the Paypal account). However, I am in charge of finances.

DH has no idea how to access our bank account online. And doesn't care to know how to access the account.

We have an empty Quart Baskin Robbins tub by the computer that we stick all of our spare change in. It is about half full. That is our "quickie yard sale money" or "I need a candy bar from the convenience store" money. Or if our son wants to buy an ice cream from school he knows that he can take the money out of the tub.
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Old 03-02-2007, 09:59 AM
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Originally Posted by cashchik
I have to agree with CiCi on this one.
When I got married my dad insisted that I have an account in my name only that my husband knew nothing about and called it my "Runnin' Money". He had seen too many women in bad relationships that put up with abuse because they felt they had no way out. With the account I would always have a way of bailing out if needed. Never used it. Still believe in having "Runnin' Money".
I agree and think EVERY woman needs to have money in her own name. That said, it should NOT be hidden money. No deception should be needed. From the beginning of our marriage, I have had my own checking and savings account without my husband on it. He's the main breadwinner. Just like he has a percentage of his income going into stock and/or retirement, AT LEAST 10% of what I made went into my checking account. This is reality. No matter how much I think I will be married forever or never need it... I might.
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Old 03-02-2007, 10:11 AM
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My dh gives me money too put away, it's usually a couple of hundred dollar bills. He wants me to hold it in the house so we have cash on hand just in case.(I think this stems from hurricane Andrew and having no power and couldn't get money from an ATM.) But I am the one who hides it, I have never asked why he couldn't do or why I have the job of hiding. I never use it to buy things for me it's household money. It helps when we have someone come over and fix something and I say will it be cheaper if I pay you in cash? Let's just say it does!
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Old 03-02-2007, 12:04 PM
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Originally Posted by Carrie
Wow you guys are scaring me. DH has all accounts in his name checking, savings, business. I don't have any credit cards well actually I don't have anything. Sounds like a discussion for this weekend. I doubt that he will change anything. You are making me think.

Wells Fargo Bank has free checking... maybe instead of hiding cash around the house, you can put it into an account there... Easy to set up. I use them for all of my online sales (direct deposit) as well; only my name is on that account. It sounds very risky for him to have everything in his name.
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Old 03-02-2007, 12:05 PM
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Originally Posted by Cuthie
Wells Fargo Bank has free checking... maybe instead of hiding cash around the house, you can put it into an account there... Easy to set up. I use them for all of my online sales (direct deposit) as well; only my name is on that account. It sounds very risky for him to have everything in his name.
I agree. And if he doesn't want anything with your name...I would be worried
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Old 03-02-2007, 12:33 PM
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I used to stash money that my father sent me for birthdays and Christmas. My dad still sends me cash for holidays and I figure if I don't need it I'll stash it for later. My DH found out about this around X-mas time and was really angry. I wasn't purposely trying to be deceptive. Now all$$ gos into the savings. I was afraid that we would need money and wouldn't have any. I stopped that, but I used to hide it in the birth certificate folder for my DD.
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Old 03-02-2007, 01:24 PM
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Originally Posted by Carrie
Wow you guys are scaring me. DH has all accounts in his name checking, savings, business. I don't have any credit cards well actually I don't have anything. Sounds like a discussion for this weekend. I doubt that he will change anything. You are making me think.


You REALLY should have BOTH names on joint monies as well as car titles, homes, any kind of properties.

In Indiana (and I assume other states as well) if the person who's name in solely on things were to pass away or be killed in an accident the surviving spouse would not be able to tpuch ANYTHING until it went through probate court.
This very thing happened to my parent's neighbor. They werer a young couple with 2 small children. They owned 2 cars (one for each of them), were buying a home, and had bank accounts.
He was killed in a traffic accident while working. And ALL their assets and titles were in his name ONLY.
She was not allowed to withdraw ANY money from the bank acct. even to buy groceries for their small children. What little cash she had at the time of his death was all she had until the court released their assets to her. Had it not been for his parents her kids would have gone hungary.
She wasn't allowed to drive "her" car either.



Now, to get back on track. Yes, I always had a stash when I was married. Every time he got mad at me he would take the check book and any money I had in cash.
And I was the one who had to handle ALL the money and bills, he would not do it.

And as someone above said "you never know when they might act stupid".
In a very sudden episode we seperated and he went to the bank and took out all but $5.
Luckily I had some forsight that this might happen and I had a NICE stash to see the kids and I through until I could get a job to support us.

No matter how great you think your marriage is, anything can happen at any moment.
Every woman should have enough put back to see their way through for at least 3 months.
If the need never arrises then someday you'll have a nice retirement nest egg.
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Old 03-02-2007, 02:28 PM
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Quote:
Originally Posted by BarbM
You REALLY should have BOTH names on joint monies as well as car titles, homes, any kind of properties.
I don't have much in my name either.....both vehicles, the travel trailer, 4-wheeler, time share and log home are all in dh's name. I do have a credit and debit card with my name on them (joint accts), but dh pays all the bills, all I write a check for is our babysitter. I better start stashing $$$ and quick! He's been known to fly off the handle before, so who knows what he would do!
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Old 03-02-2007, 04:08 PM
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Quote:
That said, it should NOT be hidden money. No deception should be needed.
I am not hiding it from my DH , nor him from me!
We are hiding it for safe keeping! We both know where the other puts it.

I do think everyone should consider what would happen "IF" it did happen.
I know that it probably won't , but what if????
How would you manage with no funds.
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Old 03-02-2007, 04:24 PM
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Here's My OTHER two cents...

You should all have atleast ONE credit card in YOUR name. Not a joint account. A card linked to YOU and YOU only. Far too many women never establish credit in their own names, and then BAM- he God forbid dies, or leaves you, and not only do you have NO money- you have NO credit. Use the card once a month for a $20-$50 purchase, and pay it off at the end of the month. This will help establish credit.

Women as a whole have come so far that I am surprised how many of us are still living in the pre-civil rights movement era. When my Gpa died, my grandmother had to learn how to DRIVE A CAR! At 68! She had also never written a check in her life, or opened a piece of mail.

Not to scare you ( Carrie ) But you NEED to prepared for the WHAT-IF's.
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Old 03-03-2007, 05:33 PM
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Cici , You are so right.

Like I said before my DH made me get my own credit card.
A good friend of mine got a divorce. She had a bad experience trying to get credit.
She had a CC with her own name on it and she thought that she was ok and had credit.
It was actually HIS account and she had no credit history at all.

They seemed like the perfect family , so you never know???
Her DH started s having an affair in his late 50's.
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Old 03-03-2007, 05:50 PM
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It's not really hiding, but I keep some cash in a drawer in the kitchen in case I need some (mostly for DS to take to school for something). I hardly every use cash, so keeping some around the house comes in handy when I need it.

Sarah.....mom to Jason & Devin
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Old 03-04-2007, 11:01 AM
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assets

I can't believe that there are still women out there who have nothing. How is it that your house, car, bank accounts etc are only in his name? You have nothing, if he dies, you own nothing. Please, you need to have that changed as soon as possible. If He refuses, all the more reason to start building your own assests.
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Old 03-04-2007, 11:17 AM
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I guess until you live with my husband you will never understand. We do Have a will and yes I know not enough but sometimes you cannot change things. I do have a very controlling husband and I know this is wrong. There is nothing I can do about it. I have tried to talk to my dh about this and he says I am bad with money. It does scare me especially after seeing that everyone else has accounts in their name. I do not work I do not earn any money anywhere. I am not sure if I will go back to work but as crazy as it sounds DH thinks if he earns it it is his and he is the first one to tell me. Yes I do want accounts, credit, and everything else. I am just not one to stand up to my husband when it comes to money. I know you are all going to blast me but if it's not nice I don't want to hear it. I feel bad enough about this as it is. Advice is surely welcome. Now on the other side of the coin...I do take money from him and he never notices. I mean lots of money like 500 to 700 at a time. I have a system and he has never said anything about it. Now this money is for things like Karate and sports for the kids.

Yes he is controlling I know.
But yes snow there are still women like me out there so believe it!
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Old 03-04-2007, 12:04 PM
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assests

I am sorry Carrie, I did not mean to be upseting. It concerns me more what will happen to you and kids in the event of his death or disability then you having credit in your name. You need to research laws in your state regarding estates and wills. You really need to enlist a professional (lawyer or estate planner) to help make him understand you want protection, not to blow thru the money. If nothing is in your name, but willed to you, you can not touch it until probate goes thru. That can take 6 months to a year. Could you survive that long with no income? His saying you are bad with money has nothing to do with adding your name to the house. It gives you protection in the case of his death. You have an assest you can borrow against until you get on your feet. You say you earn no money? You take care of him and kids. Stop taking care of him until he starts paying you if that is how he wants it. But, if you are happy with the arrangements, I guess it is none of my business to criticize. He must have a pretty large income if you can take 500-700 at a time and he does not notice. Having to steal money for HIS kids to participate in activities is also sad. Please, talk to a professional in your area about estate planning and protection.
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Old 03-04-2007, 12:13 PM
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Snow I wasn't offended. If I were reading this from someone else I would say the same thing you did. I was talking about the blast that I would get from others. I do agree with I just can't change it. Peace
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  #52 (permalink)  
Old 03-04-2007, 12:41 PM
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All women should always consider the "what ifs" because it happened to my mom. She was a full time mom to my brother and I with my dad making all the money. One day he just up and left the state with his mistress after 12 years of marriage. Ask my mom and she would tell you that it was a COMPLETE and devastating shock. She planned to be married to him forever - she didn't plan for anything else. Anyway, he left us in Illinois and moved to California with a job transfer. AND he used the company moving company to move his mistress and not US! So my mom was left with no job, no money and a life to live. It was a horrible couple of weeks/months to get her feet on the ground and she did eventually borrow enough money to drive us cross country to California to live with family for the next few years. Who knows what my dad was thinking - he just left us there! He was dad/husband of the year material up until then, too. Seriously... such a doting father and a romantic husband. My mom did get back at him though... she got him fired for the moving company stunt. And she married a nice man who can provide her with all she deserves/wants & more.

So all women should always protect themselves. I have bank accounts all over.. joints with my mom, joints with my kids, etc. God forbid something should happen to us (Identity theft, IRS stuff or whatever) I have a little to get by. We live paycheck to paycheck, so if something ties up our bank accounts for any period of time, we would be put in a predicament. This is for my protection as well as ours. Dh's paycheck is direct deposited into my personal checking account (his name isn't on it) and I handle all the finances... not by design, just because he's lazy. So I have control of the money, but I do keep money like rebate checks, refunds and an extra $40 cash back from grocery shopping. It adds up for a rainy day.
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Old 03-04-2007, 01:01 PM
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Nope, I don't hide any money. I am a SAHM, DH provides the income, I handle the money. I know where it all is. I have a $100 stash in my purse that he knows about - it's the buffer between either of us running out of cash and getting to the bank.

Both of our names are on everything, we both have power of attorney for the other, medical power of attorney and a will. Our financial advisor has never told me to put stuff in my own name...both of our names are on everything - his name is 1st on some stuff, my name is 1st on some stuff.

Lisa
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