S/o poll for non-working spouses

[Mrs Mungo]

Do you have an account or multiple accounts (credit card, utilities or *something*) that are in your name? Eta:in your name, alone, or with you as the primary and your dh as the secondary?

Edited December 13, 2011 by Mrs Mungo

[melissel]

I have credit cards in my name, all in good standing. The mortgage also used to be in my name, but when we refinanced it switched over to DH. I should probably try to get a utility in my name or something too, just in case. You never know, I guess!

[Alte Veste Academy]

Yes, credit cards from before we were even married. Virtually all credit since then has been joint. We purposely put the house and car notes in both of our names. All the utilities are always in my name because whenever we move, he is too busy signing into his new unit and doing paperwork to do home stuff. That's my job.

Edited December 13, 2011 by Alte Veste Academy

[MamaT]

I have credit cards in my name only, my own checking account, and our cell phone account is in my name.

[Carrie12345]

In my name *alone*? No, unless you count my Paypal account with card. I'm a secondary and co-signor (with dh) on multiple loans and accounts.

[Joker]

I have two credit cards in my name only. All of our utilities, except the cell phone (dh gets us a discount through work), are in my name only as well.

[Princess Peach]

I am on all utilities, have my own credit card (we also have a joint one) and my own bank account (we have joint ones also). We don't have a mortgage. I'm not on the car.

[Mrs Mungo]

In my name *alone*? No, unless you count my Paypal account with card. I'm a secondary and co-signor (with dh) on multiple loans and accounts.

 

You, alone, or with you as the primary and your dh as the secondary.

[nukeswife]

Yes, I have a couple of credit cards, all the utilities (so I can deal with them if the need arrives when DH is deployed) as well as two checking and savings accounts in my name only.

[regentrude]

When I was a SAHM, I had a credit card in my name (acquired while I was working before having kids) and also some utilities in my name. I also maintained my own checking account.

[Jean in Newcastle]

I have better credit than my dh (based on my own separate accounts) even though I pay all of our bills! I think that's mainly because on paper, he has more loans.

[Susan in TN]

Two of my kids have educational accounts and I am listed as the "adult in charge" - whatever that term is. But we don't have any credit cards, and all our bank accounts/utilities/mortgage/etc are in both our names.

[eternalknot]

I didn't vote in the poll because I'm technically employed (though I don't work regularly, and often take years off at a time). I don't have anything in my name - mortgage, car, credit cards, utilities, cell phones, nothing. The only exception is a bank account he already had, to which he added me when my paychecks started to get direct deposited; so my name is on it, but he's the primary and it's his account in name (though my account in pratice - he never accesses it).

 

That's all by my personal preference and choice; my husband has long offered -wanted- to add me, but respects my wishes to keep everything in his name only. Because of his job, we've always had a POA that allowed me full access to anything I needed or wanted that was in his name only.

[TravelingChris]

I am the primary on one card and the only person on another card. I don't have utilities in my name because we got a better rate or discount or no penalty if in my dh's name since he is military. (For example, because the cable, computer and phone bill were in dh's name, we didn't have to pay a penalty when we canceled the service because dh was transferred).

[BarbecueMom]

I have my own credit cards and electric/cell phones/trash are in my name. DH has his own credit card and the internet bill in his name. Everything else is a joint account.

 

I don't think we put that much thought into it. We paper/rock/scissors to see who gets to deal with the customer service people, so that ends up the name on the account. DH got the shaft with Charter!

[Sasharowan]

All utilities are in my name and one CC is in my name.

[Mom22ns]

The only thing in my name alone are my retirement accounts (Roth & IRA). That was true when I was working too though. Everything else is in both our names.

[SkateLeft]

Yup. We have separate American Express accounts because we earn more airline mileage that way. Everything else, including asset management, other credit cards, and both homes are owned jointly. I also have my own Roth IRA.

[Firefly]

Yes, utilities and a credit card.

[Jen in PA]

I have my own checking account and some utilities are in my name.

[BridgeTea]

Yes, my Roth, some certificates of deposit, a savings account, and the internet bill are in my name or have me listed as primary. Two cars are in my name only, but just by oversight by me - I should've had MrTea listed as well. He gets the utilities to himself, and we share two houses and a mortgage.

[Wheres Toto]

I have a credit card in my name alone, our cell phone account is mine from before we were married and one of our cars was recently paid off and was mine from before we married so in my name alone.

 

Just about everything else is joint except maybe some of the utilities that were in place before we married (we live in a house dh had before). I've never had a problem dealing with the utilities or anything else though, they just ask if I'm his wife. Maybe because we are a community property state?

[LMD]

Everything is joint here.

[QuirkyKapers]

Some of the utilites are in my name. Phone/cell phone is dh. I have a credit card in my name only and one that is joint. One of the cars is in my name and one is dh. The house has both names.

[In the Rain]

I have a credit card in my name alone. I don't use it, but I keep the account open.

[Mrs Mungo]

Everything is joint here.

 

Everything is joint here too, but I am the primary on a couple of accounts.

[Rosie_0801]

I have my own bank account with a credit functioning card linked to it. Some of the utilities are in my name, some are in his. The rent is under both names. When we are involved with social security, we both have permission to access each other's accounts. The long term savings account is in his name, though I have contributed a few grand.

 

Rosie

[T'smom]

I wouldn't know off the top of my head whose name is on what....who is the primary, etc. Both of us are listed on all "big" things. I have had probs in the past with one of us not being able to change something because the other one's name is on it. It's gone both ways and it's always annoying.

[Night Elf]

The only credit card in my name is my Amazon visa and I got that when I was working. I use it every month. I love Amazon. :tongue_smilie:

 

I might have some utility bills in my name, but I'm not 100% certain.

[Crissy]

One of our utilities is in my name, and I hold two credit accounts in my name only.

[Thea]

I have credit cards, a mutual fund account and a car in my name only. I set up the utilities so I think there are a couple still just in my name. Dh has a couple of cc's and his truck in his name. Everything else is in both of our names.

[catz]

I have several credit cards in my name (1 primary, 2 backup) and everything else has both our names on it.

[mlbuchina]

I'm the primary on our cell phone account and one credit card. I am the only on our gas bill, but only because he was out of town with the Navy when we closed on our house. How I'm not the only on the other utilities, I'll never know. LOL :lol:

[Parrothead]

I have three major CCs and the telephone/internet in my name only. I'm primary (name first on the accounts) for our checking with two different banks and the vehicle insurance.

 

Dh has the mortgage, both vehicles, one CC, the water, electricity and the cell phone.

 

I'm on the registration for one vehicle. I'll have to go through a bit of trouble to get the truck in my name should dh die. but I have enough insurance that if it were too much trouble I'd just buy a new truck.

[SweetMissMagnolia]

well when we got married,I worked at a bank and I just added hubby to my account-meaning he's the one working,but I'm the "head" of the account (if it makes sense)---I have a couple of bills that are in my name -life insurance/store charge card--most of the major stuff is in his name though-but I'm added onto a few of his loan accounts so I can call and find out how much is due/etc without causing a mess LOL

[Unicorn.]

All of our accounts, including cc, utilities, you name it, are in my name.

[edelweiss]

I have a few credit cards in my name and a few utilities as well. Our finances are put in trusts and the trust in my name holds half of our possessions/money.

[NicAnn]

I am the primary on all utility accounts and phone accounts because I set them up. Some are in my name only, I guess because they didn't ask for a secondary at the time. I have my own bank account, and then Dh and I have a joint one. Mine was for my business, and will be again when I start up next year.

[Cricket]

When I wasn't working and dh was, utilities were in my name. I paid all the bills and it was just easier to do it that way.

[mommyrooch]

Yes, I have two credit cards in my name. I am also the primary with my DH as secondary on both of our car loans as well as our checking and savings accounts. We are joint on the mortgage. Several of our utilities are also in my name.

 

BTW.. I am a SAHM and have been for about 15 years now. I have a very high credit score and have never had any trouble getting any type of credit. I have never had to have DH co-sign anything.

[mommaduck]

Most of the bills are in my name. This means my credit is carp and DH's isn't too bad, despite the fact that I have paid off loans in the past.

[Dustybug]

The majority of the household bills are in my name as the primary because whenever we move, I do all the calling around and setting up accounts, etc.

[kalanamak]

I replied no for Hubby. I keep track of everything, and it is much easier if it is all in my name. The couple of times his name has been on it, I've had to have him tell someone on the phone he just can't hear well enough to get details right on the phone and to please talk to me. It is a hassle for all concerned.

 

To make hubby safer, I have made my 100% honest, calm, kind, and an attorney brother my POA. If I drop dead, he can clean up all the financial loose ends for hubby.

[6packofun]

I have my own bank account and our cell phone account and one utility are in my name.

[Myeightkiddies]

My credit card is in my name and my name only. DH isn't on it. Everything else is joint or his.

[dm379]

Everything is either in my name alone or with dh as a secondary. I got tired of dealing with the hassle of getting things done when he wasn't around so we switched everything to me.

[Hannah C.]

Our bank accounts and one credit card are joint. I'm the primary on the cell phone account because I had much better credit when we set it up. I'm the only one on the other utilities, and I have several credit cards in my name only (three from before we married, two since). DH is an authorized user on two of them. We are both on the rent. The car is in DH's name only, AFAIK - but that's the deed and nothing else - it's a cheap old car.

[ereks mom]

Yes, the car I drive is in my name. The house is in both our names. I think everything else is in dh's name.

[oldskool]

I have my own checking account and a credit card in my name. Shared on utilities.

[justamouse]

I have stuff in mine without him, he has stuff on his without me, we ahve stuff jointly.