Perfect for Couples with Separate Finances! Discover the One-of-a-Kind Budgeting App for Joint Household Management

2023.01.02 published

Are you keeping your wallets separate or together?

Once you get married, by law, your individual income becomes "marital shared property."

For example, if the husband is working and the wife is a stay-at-home mom, with the husband's monthly income being 300,000 yen and giving the wife 100,000 yen for living expenses each month while managing their savings in the husband's account, any money earned after marriage is treated as joint marital property.

If a divorce occurs, claims like "this is my salary" or "this is the money in my account" do not matter; rather, any income earned during the marriage must be discussed and divided between the two as "shared property."

However...

In an age where individualism rather than familyism is becoming more prominent and many couples work together,

✅ Many couples want to manage the money they earn themselves

✅ They do not want their partner to see all income and expenses

✅ They want to build a financially independent marital relationship

There seem to be many couples who prefer to keep separate wallets,

✅ They do not pool their income, but deposit a certain amount into a shared account

✅ They divide expenses by categories, such as the husband paying rent and the wife paying for groceries.

There are various forms of household finances, so as long as they agree upon rules together, anything can work… but…

If finances are managed separately, it can be difficult to know exactly how much savings the couple actually has, or it can become unclear who has paid what, leading to issues like "not being able to save money effectively (hard to set goals)" or "resentment about being the one paying for miscellaneous expenses."

Additionally, it’s common for problems to arise even when the couple thinks they’ve established rules to prevent dissatisfaction due to changes such as salary increases, job changes, or pregnancy and childbirth, or even because one partner doesn't know the other's savings amount.

Using a household budgeting app is convenient!

We found an app that solves the financial concerns of couples who keep separate wallets.

There are numerous budgeting apps available, but the "OsidOri" app, which can be shared between couples, is highly recommended.

The OsidOri household budgeting app features:

✅ Both partners can view shared finances

✅ Individual finances can only be viewed by oneself

✅ Even for individual funds, there is an option to share specific items with the partner

➡【App】Download OsidOri here

【Couples' finances】 are shared so that both partners can see them anytime, making it easier to track expenditures and savings.

Savings from the single days or personal finances managed privately can only be viewed by oneself.

And even in individual accounts, if you want to inform your partner about shared expenses, like utilities paid from your own account or when you pay for home appliances with your own credit card, there’s an option to【share only specific items】.

Whether it’s an allowance system, both partners depositing into a shared account, or dividing each expense category,

the way couples manage their finances can vary greatly. However, in any method, it is important to "visualize the flow of money to eliminate dissatisfaction from both sides and enable future financial discussions as partners."

That said, I believe it's natural to want to keep personal income and expenses private (for example, for items like sanitary products), to indulge a little and maintain some degree of separation between household finance and personal money, which is respected by this app.

It’s a convenient app for couples who keep their wallets separate in this modern age!＊

➡【App】Download OsidOri here

Enjoy a harmonious married life with a budgeting app! ♡

"OsidOri," the convenient budgeting app that allows couples to share their finances.

All features can be used for free!＊

Talking about money can be a bit awkward even for couples. If you can set rules early on and visualize the flow of money, it may reduce future dissatisfaction!

There are many budgeting apps out there, but OsidOri is the only app designed for couples to share their finances. With a simple and clear UI, give it a try!♩

➡【App】Download OsidOri here