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  • Moms Reveal Why They Keep Hubby's ATM: 'He Works To Provide For His Family'

    No judgment here — as long both parties are happy, and the setup works for them.
    by Rachel Perez .
Moms Reveal Why They Keep Hubby's ATM: 'He Works To Provide For His Family'
PHOTO BY Pixabay
  • Money is one of the topics many couples fight about, but there is no one correct way to manage a couple's finances. To each his own. So when a proposed law that seeks to make it a crime to keep a husband's automated teller machine (ATM), many wives cried foul but for many other reasons. (Read more about the bill here.)

    Many women trust that their partner gives them their full salary, even if they don't have their ATM card. Or, they don't really mind not keeping it, as long as all the family expenses are covered. But many wives do keep their husband's ATM cards. Some argued that it's their husbands who willingly surrender their ATM cards, while others stressed that even if they keep it, their husbands are not deprived and also get to spend their hard-earned money.

    We asked moms from the Smart Parenting Village who hold their hubby's ATM how they settled with that setup and a lot of them have pretty valid reasons. Their hubbies also don't seem to complain. No judgment here — as long both parties are happy and the setup works for them. Here's a look at some of the responses:

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    I'm in charge of budgeting.

    "Yes, asa akin ATM ng asawa ko. Kasi pagka-withdraw, budgeting na then naka bukod na yung sa kanya, sa baby needs, and house needs." - Anna Uriarte Abo-Dimzon

    "Yes. I work in the banking and financial industry kaya sabi niya mas ma-mamanage ko ng tama at mas alam kong ayusin ang cash flow namin." - Nilda DV Ermeno

    Hubby is not good at budgeting.

    "Kusa niyang binibigay, but he gets money kapag kailangan niya. I do the budget and lahat ng needs sa bahay. Every day, I give him allowance kasi kapag binigyan ko siya ng good for one week, three days pa lng ubos na! Kelangan mag usap kng sino ang hahawak ng pera, kung sino sa tingin ang mas effective go with it, nasa diskarte at great communication ang key! - Zanette D. Ortega

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    He receives an allowance and even more.

    "Yes, he voluntarily handed me his ATM. He lets me manage our family's finances and do the budgeting. I only give him a weekly allocation. We also always discuss and align expenses." - Monica Mignoreen Dizon-Salcedo

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    "Hawak ko ATM ng asawa ko. Parehas kaming may work. Every sahod binibigyan ko siya ng allowance niya sobra-sobra pa sa kailangan niya for two weeks na budget. Kung may need sa bahay ako ang maglalabas ng pera. Kung kay bibilhin siya para sa sarili niya o para sa bahay, nirereimburse ko sa kaniya." - Minelle Decena Caratao

    Hubby has access to money anytime he needs it.

    "Nasa'kin ang ATM ng asawa ko, pero lagi naman ako nagiiwan ng pera sa bahay kung saan pwede siya kumuha, no amount in particular. Ako din naman bumibili lahat ng pangangailangan niya or kung may gusto siya." - Andrea Tan

    "Yes, hawak ko ATM niya pero may access naman siya sa pera namin. Kumukuha lang siya ng kailangan niya sa wallet ko. 'Pag magwi-withdraw sa joint account, nagpapaalam naman siya. Ako din kasi nagba-budget at nagbabayad ng bills kaya ako ang may hawak." - Lorraine Nogoy

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    It's only temporary.

    "Just to pay monthly bills, and after I paid all of them, I give his ATM back to him with his allowance." - Bebeth Gavan-Matanguihan

    It's for emergency purposes.

    "Stay-at-home mom ako kaya binibigay niya sa akin yun ATM niya para 'pag may emergency, lalo na sa mga bata, may makukuha agad ako. Binibigyan ko siya ng Php3,000 para hanggang sa next sahod ulit niya. Hinhayaan ko siyang bumili ng gusto niya dahil siya ang nagwo-work at deserve niya gastusin pera niya. Pero pinapakita ko sa kanya kung ano ang mga gastos ko sa araw-araw para alam niya na 'di palagi ako nabili online." - Kaye Bee-Adalia

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    It's for ease and convenience.

    "Sa province siya nakadestino kaya iniiwan niya sa'kin ang ATM niya kasi mas madali mag-withdraw dito sa Manila kesa sa province. Every sahod niya ako nagpapadala sa kanya." - Sarah Jane Ramos Felicia

    "Since seafarer si hubby, ako ang may hawak ng ATM. Dun bumabagsak yung buong sweldo niya. Half of it tina-transfer ko agad sa isang savings account namin. ?Yung matitira ang ginagamit kong panggastos at pambayad sa mga bills. para pag uwi niya, may savings kami bukod dun sa personal allotment na natatanggap niya sa barko." - Lalina Aranza

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    ATM gets deformed in hubby's wallet.

    "Yes, kasi nadedeform sa wallet niya. I'm giving him allowance every payday, same as mine. Pero akong sumasagot ng merienda namin para maipon niya ung allowance niya pang-date namin. All his salary, ako ang nagba-budget. But if he needs anything, I can give him money naman. My husband is so practical; busugin ko lang masaya na." - Maan Delica Tanael - Mercado

    We combine our income.

    "Hindi ko hiningi pero siya ang kusang nagbibigay. Kasi sa aming dalawa, ako ang marunong magbudget. We are average earners so we combine our income. I have a small notebook na listahan kung magkano ang income na pumapasok at mga expenses and very transparent lang ako sa kanya at alam niya kung san nakalagay ang wallet na lagayan ng pera namin. Every day lang siya kumukuha ng allowance niya. 'Pag may gusto siya bilhin sasabihin muna niya sa kin or pag-uusapan kung kaya ba ng pera. 'Pag okay binibigyan ko siya. 'Pag hindi naman, sasabihin ko paglaanan namin sa sunod na lang na sweldo." - Ana Jane Malapitan Ruiz

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    We both decide on expenses.

    "Hawak ko ang ATM ni hubby, pero kapag payday na, sabay kaming ngdedesisyon sa mga bayarin, mga gustong bilhin kung may extra pa at savings pati na ang allowance namin." - Ariem Idosil Ritual

    Because he provides for his family.

    "Yes, my husband's ATM card is with me. We're both working, but his income is our money, and my income is my money lang. And since mabait si husband, I make sure to budget our money wisely. Oh, he gets Php1,000 baon per week with money for gas/toll allowance. He doesn't complain naman." - Michelle Porto

    "Yes, he works to provide for his family. He only asks for allowance and extra money when he buys for his needs. We are transparent naman kung saan napupunta ang pera niya. For allowance, binibigyan ko siya ng good for two weeks na, and binibigyan ko na lang ulit 'pag kulang. He has every right to keep his ATM pero kusa niya pa ding binigay sa akin, meaning he trusts me to keep or handle his money, and I really appreciate it. That's why, in return, we always thank him for working hard to be a good provider for our little family. - Nouvie Regala

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