JOINT FINANCES & BANK ACCOUNTS + Correspondence in joint names - Page 2

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JOINT FINANCES & BANK ACCOUNTS + Correspondence in joint names - Page 2


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Old 04-17-2014, 09:39 AM
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Thanks. That is a useful tip.

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Old 04-17-2014, 10:11 AM
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I still just want to add my case officer as a friend on Facebook!! You can't make up the amount of stuff we have on there!!

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Old 04-17-2014, 10:25 AM
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Quote:
Originally Posted by Valentine1981 View Post
I still just want to add my case officer as a friend on Facebook!! You can't make up the amount of stuff we have on there!!
Hahaha, I know EXACTLY what you mean!!!

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Old 04-18-2014, 05:52 PM
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I have skimmed the other replies, so if my post seems redundant, I do sincerely apologise.

I think open a joint bank account, absolutely. It's not pointless just because you are the breadwinner. In a way that makes it even more important because it's showing that you are supporting her and allowing her equal access to your income and financial resources...supporting your spouse financially is one of the best ways to prove a genuine relationship, and it's a very common setup amongst lots of genuine couples where there is only one income or one primary income.

At the very least I would set up a regular allotment from your account into hers, to show that beyond just paying the bills, that you are also providing for her enjoyment, entertainment and well-being.

Right now I am the breadwinner and in our joint account, approx 80% of the funds come from me. My husband is on a small pension from the United States VA and almost half of that goes towards child support for his child in the states. However, the joint account provides proof that I pay for his needs and his well-being. He has free and easy access to every penny I earn and is free to spend it how he sees fit because we have a partnership in all ways - there's no his and hers...it's all just ours.

I know that a lot of people prefer to keep finances separate, and I have done that in the past with previous partners, but since it's such good proof and because there IS such an income discrepancy between my husband and I, the joint account makes more sense to me. If our incomes were equal, or close to equal then I would be more inclined to maintain separate finances.
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Old 04-18-2014, 06:07 PM
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Oh, (my last post was a huge wall-o-text and I didn't want this to get lost in the shuffle so I'm posting a separate comment - not spamming, I promise).

For correspondence, I agree that can be difficult. None of our utilities even allow us to have accounts in joint names, just allowed to add additional people as "authorities" and they don't put their names on the bills. I found that aside from gifts, cards etc from family and friends that signing up for a joint ebay and paypal account was so useful. We bought several items and they came in packages addressed to the both of us and we kept the packaging/envelopes.

It's not the 1950s anymore, but actually in those days, I'm pretty sure most everything from bills to regular correspondence only had the husbands name anyway, lol.

For social evidence, Facebook can help, also joint invitations to events. So many events now are advertised via Facebook and it got frustrating for a while because it seemed like every baby shower, birthday party etc was promoted through Facebook only as an "event" and it seems like there are hardly any paper invites going out now

Joining clubs just to get social evidence is hard, but you can also use things like ticket stubs to movies or a receipt for dinner at a restaurant etc, just try and cross reference the receipt with a credit card or bank transaction. Lots of form 888s help as well.

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Old 04-18-2014, 10:22 PM
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I think Aussie 975s partner is a guy but yeah I found it extremely difficult to get utility companies to have both our names on accounts. Which actually made me so annoyed as it seems such a simple thing to do. I know its kind of not necessary if its being paid from the joint account but I got a be in my bonnet when I asked around friends and family and alot seemed to have accounts in both names. I think it really depends on which company you are with... I found Optus to be sooo unhelpful. We changed electricity and phone/ internet companies and now have bills coming in both our names.

Do you think its ok to have lots of stat decs explaining our reasoning for not having a lot of evidence of social interaction. I just thought they'd want more than just our word for it so to speak. I could write reams about how we live our life.. we just dont have a large circle of friends and don't socialize alot.

Sorry Aussie975 seem to be hijacking your thread!

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Last edited by rani; 04-18-2014 at 10:24 PM.

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Old 04-19-2014, 08:57 AM
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Oops, sorry Aussie!!! Just mentally superimpose "her" with "him" and my sincerest apologies! Usernames can be so gender ambiguous at times...

We are with Telstra and found them to be very difficult to work with. We are with Origin energy for elec/gas and they were similarly unhelpful. I agree that it really seems so simple to just put two names on the bills. Surely, in the box where they I put our names when initiative the account they could just as easily put two names instead of just one. We ended up just setting up direct debits from the joint account so we could at submit bank statements.

As to your question, I think you would be best to get stat decs from other people to prove that you're known socially. My husband and I aren't particularly social in the sense of joining clubs and things. The most we usually do is attend family and friend gatherings and the occasional work function, and there isn't usually much proof of those outside of photographs and statements from other people.

We did sign up for joint Flybuys and Myer one cards and have included copies of those for our social category.

A stat dec from you and your partner is better than nothing at all, so I would definitely write one outlining the fact that you just don't have any need to join clubs as a couple, but that you have mutual friends, some of whom have written statements vouching for you guys as a genuine couple.

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Sending love and light and my best wishes to all the lovebirds just trying to make their dreams come true xxxx

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Old 04-19-2014, 09:03 AM
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Wow! I had no problem with Telstra at all!

One thing you can do if you like movies is both sign up for cinibuzz .

I have my fiance on my flybuys and forgot all about it until now lol.

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Old 04-19-2014, 09:28 AM
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Telstra told me that I could put hubby as an authority on my account but that the account itself had to stay in my name. Maybe it's because it was an established account and not a new one, I don't know.

What is cine buzz? Sounds interesting.

Flybuys were great about adding hubby and gave him a supplementary card etc. I totally recommend that everyone sign up for it with their partner - even if they don't actually use it. It's easy and free!

Myer one and Dusk is another one I forgot were also easy to get.

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I'm the Australian wife, in love with the American dream!

820 partner visa, applied onshore January 3, 2014. Approved September 8, 2014.

Sending love and light and my best wishes to all the lovebirds just trying to make their dreams come true xxxx

  #20 (permalink)  
Old 04-19-2014, 09:36 AM
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Wow interesting about Telstra. I have an established account too and just asked if I could add my fiance and they did it for me.

Then with Telstra you can use a joint pay pal account to pay too .

Cinibuzz you use when you go to event cinemas and you get points and eventually get a free movie . I only thought of it yesterday when I was buying our movie tickets.

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