Hi, thanks for reading this. I was wondering were /r/personalfinance stood on this particular issue
This is kind of a two parter
1) Quick summary of my fiance and my breakdown of finances We both put 80% of our fortnightly income into our joint account $672 and $1680
From the $2,352 we then pay our mortgage ($717), put money away for savings ($400) and generally we use the rest on groceries, dates, bills, internet, phone etc.
Given that his fun 20% is $168 and my fun 20% is $420 (and I am very frugal) in the past year I've put away $10,000. Before we did the joint thing (a year ago) I had $10,000 in my savings (so now $20,000 all up)
We literally have just gotten engaged and only had a few paychecks with this model. Now that I'm thinking of our future together, I was wondering if there were a better split that could be suggested given that I find it so much easier to save with the extra income moving forward from now.
2) This is the more controversial part of my post - full disclosure as this is a throwaway I'm just going to say it and if I get absolutely slaughtered, then I'll take it - I want unbiased opinions.
I know that going into a marriage you share everything and that's what I plan with everything I am able to save now; however what to do with what I saved already.
My SO and I have been together for 6 years, and I did 6 years of schooling in that time costing me $60,000 (which I paid up front at the beginning of each semester), and I also saved the $20,000. I really scrimped during that time, come out with a degree and a great job and I feel funny about lumping what I have into the "home" fund.
Is there a suggestion for 1) a new split from hereon out 2) what to do with the $20k I have saved - do I need to be told I am selfish and to get over myself and to just dump it in our home fund or are there any other useful ideas
Submitted October 05, 2017 at 12:21AM by commanderphone http://ift.tt/2yYVSam
