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Bills

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  • #1

    Bills

    Okay I wanted to get advice from those of you in residency and beyond. I know there was a thread on this before but I cannot seem to find it...

    I believe someone advised to put all bills in YOUR name not medical spouses.

    Do you have any other advice regarding paying bills and keeping things organized as we start residency and will truly become the sole family financial organizers? Is there anything we can do so that loan officers WILL talk to us? Any other advice to save us some headaches?
    Loving wife of neurosurgeon
    Tags: None
  • #2
    Well the mortgage/loan will probably have to be in DH's name unless you already have a job lined up. But make sure you're on it as well. I'm not and its become a huge PIA! We went with a small local bank that new how the program here worked, that is how we got a loan officer to talk to us.
    Wife to NSG out of training, mom to 2, 10 & 8, and a beagle with wings.

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    • #3
      Once everything has your name on it:

      mint.com

      This means *not* banking at keybank (as their login system works poorly with mint.com's system), but getting rid of our keybank account was well worth the organization that is possible with mint. Everything is all in one place, I can set budgets, enter pending checks and online bill payments, and get alerts when things aren't going as expected. Love it. Make keeping track of our financial life *much* easier.
      Sandy
      Wife of EM Attending, Web Programmer, mom to one older lady scaredy-cat and one sweet-but-dumb younger boy kitty

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      • #4
        Originally posted by poky View Post
        Once everything has your name on it:

        mint.com

        This means *not* banking at keybank (as their login system works poorly with mint.com's system), but getting rid of our keybank account was well worth the organization that is possible with mint. Everything is all in one place, I can set budgets, enter pending checks and online bill payments, and get alerts when things aren't going as expected. Love it. Make keeping track of our financial life *much* easier.
        Oh thanks - never heard of this before I will have to check it out!

        Cheri - luckily the mortgage will be in my name because I have the much better credit score (thanks to DH getting robbed in college)
        Loving wife of neurosurgeon

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        • #5
          I believe you can set up power of attorney or something lesser that allows you to speak to loan officers about deferments, etc. I know we filled out some forms that the loan companies sent during fellowship when I made it clear to the callers that DH was NEVER available. I would ask now what youcan do so that you can speak for him when he is not available. It is common. They have a system. I just don't remember what it was, exactly.
          Angie
          Gyn-Onc fellowship survivor - 10 years out of the training years; reluctant suburbanite
          Mom to DS (18) and DD (15) (and many many pets)

          "Where are we going - and what am I doing in this handbasket?"

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          • #6
            My husband is a big mint.com fan also.

            When we were applying for a mortgage, we learned that we should have put more bills in my name. I had like no bill-paying history as far as the mortgage lender was concerned, since all our bills had been in DH's name. Which was stupid, since he was in med school and all the money to PAY the bills came from me.

            But that's about all I can offer, because despite everyone here's advice to the contrary, I persist in letting my husband handle all our finances.
            Julia - legislative process lover and general government nerd, married to a PICU & Medical Ethics attending, raising a toddler son and expecting a baby daughter Oct '16.

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            • #7
              I had trouble signing in with Mint with Chase of all banks...I think they are working on the problem, though.
              Married to a newly minted Pediatric Rad, momma to a sweet girl and a bunch of (mostly) cute boy monsters.



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              • #8
                We do Mint. Our banking has gotten kicked out a few times and I've had to resynchronize it. We are USAA. Usually, it is when they change the security at USAA. I figure that it is just the price of doing business with a bank that keeps things shifting for security reasons.
                Angie
                Gyn-Onc fellowship survivor - 10 years out of the training years; reluctant suburbanite
                Mom to DS (18) and DD (15) (and many many pets)

                "Where are we going - and what am I doing in this handbasket?"

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                • #9
                  Why is it free? I don't understand what is in it for the Mint people?

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                  • #10
                    "the mint people" as of about 6-7 months ago is intuit, the quicken people. So it's possible there's some subsidizing going on, there.

                    My understanding is that before the intuit buyout, if you switched or added an account based on their recommendations in "ways to save", they got a kickback from the bank you switched to. I'm sure that's still the case. Who knows what intuit will do with it in the future? They've been very good so far, though - added some great functionality, and solved some problems it had, without turning it into quicken (they already have a quicken online - there are rumors that they'll be combined at some point, but who knows).
                    Sandy
                    Wife of EM Attending, Web Programmer, mom to one older lady scaredy-cat and one sweet-but-dumb younger boy kitty

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                    • #11
                      I've been doing an Excel spreadsheet, but this sounds way better.
                      I feel like a parent sometimes ("No, we really don't have that much liquidity right now, remember? We have to pay for *insert something medically related here*...").
                      Additionally, I grow weary of talking to people on his behalf - this started 2-3 months ago, and there are a couple of accounts I still need to be placed on.

                      "Miss, we cannot give you access to discuss blah blah blah."
                      "Well, if you wait for DH to call, you will wait for at least another YEAR."
                      Wife to Family Medicine attending, Mom to DS1 and DS2
                      Professional Relocation Specialist &
                      "The Official IMSN Enabler"

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