如何决定你是否应该和你的同性伴侣开一个联名银行账户(decide if you should get a joint bank account with your same sex partner)
步骤
- 1认识到加入银行账户的弊端。有了联合银行账户，一些夫妇可能会失去经济自由。当伴侣不交流他们的账户活动，或者更糟的是，隐藏财务秘密时，拥有一个联合银行账户可能会在一段关系中造成问题。当一段关系中的一方有未偿还的债务，比如学校贷款债务、信用卡债务，甚至孩子抚养费，问题可能会发生。如果账户持有人之一欠债，债权人可以尝试从共享银行账户中追回资金。当一段关系结束时，拥有一个共同账户可能是一个问题。如果夫妻俩决定分手，共同账户中的资金可能很难分割。每个合伙人都有从账户中取出资金并在未经另一方同意的情况下关闭账户的法律权限，而且一方很容易让另一方身无分文。
- 2.认识到加入银行账户的好处。通过单独的账户，每对夫妇都可以或多或少地控制自己的财务状况。换句话说，因为交易是私人的，而不是共享的，所以没有其他合作伙伴的“检查”。分开的银行账户可以防止一方“拿钱就跑”的情况，并且可以让双方更轻松地分开，而这通常不需要长时间的斗争来完全分开财务。
- 3.与你的伴侣谈论开设联合银行账户的事宜。定期讨论财务和制定策略会帮助你和你的伙伴建立坚实的财务基础。定期检查他们的决定以确保他们的方法仍然适用于他们的夫妇也可能成功。
- 4.与你的伴侣讨论单独的银行账户。如果你选择建立单独的银行账户，任何一方的财务义务都不会消失。你仍然需要弄清楚你将如何支付账单，谁将负责哪些付款，并定期召开会议来核对你的账户和财务状况。你可能仍然想保留一个或两个联合账户，为特定的财务目标储蓄，比如一起买房。
- 5.考虑一下财务目标。忠诚的合伙人可以拥有自己的账户，同时也可以开立一个共同账户，将约定收入的一部分存入该账户。这样，你们可以在保持财务自由的同时，从联合账户中获利。夫妇也可以有单独的支票账户，并为度假、住房首付、子女的大学学费或退休开一个联合储蓄账户。
- 6.谈论你将如何付账单。联合银行账户的运作方式与普通银行账户相同，但不止一个人可以使用它。联名账户上的每个人都可以从中存款或取款，这可以方便地支付共享账单。如果你和你的伴侣或配偶方便的话，创建一个联合账户，但也保留单独的账户。如果你还没有一个单独的银行账户，你和你的配偶应该讨论一下如何获得一个。
- 7.想想共享银行账户的“规则”。所有联名银行账户上都有两个或两个以上的所有者。每个所有者都对账户的资金拥有完全的控制权，包括提款、存款和以其他方式管理这些资金的能力。虽然一些银行可能指定一个人作为主要账户持有人，但每个人同时拥有所有东西。你的合并账单应该根据你的收入进行拆分。要估计每个人应该为合并开支贡献的金额，请将你和你的伴侣的实得工资加起来，看看你们每个人的收入比例。
- 8.考虑你们关系的承诺。传统上，已婚夫妇共同开设银行账户。任何人都可以开立联合银行账户，而不仅仅是已婚夫妇。民事伴侣、同居未婚夫妇、室友、老年人及其看护人、父母及其子女均可开立联合银行账户。
- 发表于 2022-03-21 16:38
- 阅读 ( 99 )
- 分类：生活方式
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