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Check with your bank. My bank automatically sets the limit to $1,000 per day, with the weekend being one day. Was a shocker when I put a $1,000 deposit on a car on a Friday and then couldn't buy dinner later that same night. When I found out about the limit, I decided I prefer keeping it; after all, it happened to me only once.
Your bank might go along with $30 a day, but might agree to $500. Doesn't hurt to ask.
Can I put say, a $30 spending limit on my spouses debit card? It's a joint checking account.
Her online shopping is starting to get out of control.
Have you thought about sitting down with her and discussing the issue as an equal partner in your marriage and finances rather than attempting to treat her like a recalcitrant teenager?
Have you thought about sitting down with her and discussing the issue as an equal partner in your marriage and finances rather than attempting to treat her like a recalcitrant teenager?
I did that. She reacted like a recalcitrant teenager. Ergo, here we are.
My first husband was a spender. I eventually opened my own checking account into which I deposited my paychecks, which made him angry, but I told him it was the only way I could be sure we had money for the bills.
I did that. She reacted like a recalcitrant teenager. Ergo, here we are.
Let's play this out assuming you can set a limit:
She tries to buy something, gets denied.
Step 1) You two fight.
Step 2) She figures out that she needs a separate account and starts hiding money.
Step 3) You try to stop it by hiding more money/lowering her limit
Step 4) Your marriage is miserable.
Although from the sounds of it... step 4 might be have been step 0.
Quote:
Originally Posted by Loriact
My first husband was a spender. I eventually opened my own checking account into which I deposited my paychecks, which made him angry, but I told him it was the only way I could be sure we had money for the bills.
I did that. She reacted like a recalcitrant teenager. Ergo, here we are.
You might want to try the Relationships forum as well if you feel a need to use electronic restraints in response to "recalcitrance". This might be healthy in a parent-to-child setting; a marriage is different.
Can I put say, a $30 spending limit on my spouses debit card? It's a joint checking account.
Her online shopping is starting to get out of control.
Your bank would be able to answer this question for you.
We have a daily spending amount on ours and we have a separate cash withdrawal daily amount for the ATM.
Edited to add: You could get rid of the debit cards and go once a week and draw cash out of the account for both of you for the week or pay period.
Then when you are both out of cash then you are out of cash until the next time you withdraw from the account.
If her spending is that much out of control though you may have to take her off of the account which gives her no access to any of the money.
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