A woman discovers that her husband gave 10,000 euros to her in -laws and accuses her of financial infidelity: “Do not work 60 hours a week for this"

A woman who spends a good part of the day, “60 hours a week” has accused her husband, of discourage Joint bank account Without asking permission. Now, in an economic office, she asks if she can close the bank account that appears on behalf of the two although the other person (her husband) does not want.

According to experts cited by the Financial newspaper, this concept of ‘infidelity’ can be as harmful and dangerous as the emotional. It occurs when one of the couple’s members manages money without knowledge or consent of another. And this management negatively affects common finances. Although it stands out that it is not the amount that harms the relationship, it can be the same with a hidden expense of 200 euros than 2,000, but the feeling of lack of transparency and above all, feeling deceived.

In this case, as the woman explains in an interview published in Yahoo Finance “My husband made a unilateral decision that directly affected the money we have in the shared account.” A 2023 study that published the Journal of Consumer Research, couples who manage their salaries, income or any expenditure jointly, usually have more stable relationships provided that the movements are agreed.

But, when one of the two acts alone, does not consult or deceive, trust is broken, as happens in more concrete cases such as that of the ludopathsin which case it is essential to know what It would happen if the other accumulates a debt.

Can I close the joint account unilaterally?

In the United States, which is where the consultation occurs, most of the joint accounts (it is similar to what happens in Spain) allows any of the holders to be operated independently. These operations include money or close.

But this is not in all of them and it could be that some bank demands the consent of the two parties to be able to close the account, especially if there is any type of irregular situation or if there is a very high balance.

Therefore, the first advice that the expert gives to this woman is to review in detail the contract they signed when opening the joint account. The person who wants to close the account can take their proportional part and request the closure, but must be prepared for any type of incidence that can entail.

Finishing the joint account can bring more problems to the couple

Deciding to close the joint account can involve problems for the couple for several reasons although the main one remains the lack of trust. “An alternative that can be done because it is also very simple, is to maintain an account for common expenses, and open personal accounts for the rest of income and individual expenses.”

It is important to have the advice of a financial expert or a therapist who can help establish the rules and guidelines on the use of shared money.

If there is nothing to do and the process is already aimed at divorce, it is important to know the regime in which the couple has married: GANNALS OR SEPARATION OF PROPERTY.

When the marriage has been produced in a marriage regime, the acquired debts are considered common, so the claim of the transferred money could be complicated.

If there is no trust, it is best to “open a new personal account to receive the payroll”

Finally, the experts consulted by the ‘deceived’ woman by her husband in what has to do with the family economy, recommend several steps to follow.

• Open a personal account in which you domicile your payroll and manage some payments.
• Redirect domiciliations and receipts so that some essential payments are not interrupted.
• Negotiate the balance of the balance fairly.
• Evaluate all options to save.
• Consider establishing an emergency fund.