I think you're being smart.

I have 2 accounts that my DF will never know about.

If my entire paychecks didn't go towards bills and shit, I'd save up too.

I learned my lesson with my first husband. He spent every dime we ever had and it was the worst feeling. I now have a checking account that DH doesn't know about and one that he does know about. The secret one has about $4,000 in it. Not much but it makes me feel good.

I quit my job to be a SAHM when I married him and I have a hard time not making my own money. I don't like to ask for money and I don't like to pay my bills late like he sometimes does. So I pay the bill and eventually he gets around to putting the money in the account not knowing I already paid it. So the balance usually stays the same unless I dig into it for something.

I also learned that shit happens and sometimes you don't see it coming. Having some money put aside puts me at ease slightly.

I have a savings account that my DH kinda knows about. I babysit and all my money from that goes into that account. i have nearly $3,000 in it. it has only my name on it and it makes me feel good knowing I have something there I can grab if i need to find a place to move into should things get bad. My DH has a bad memory so while he knows about it -- he doesn't remember! haha

i started it with the premise that i was using the money to save up for my present for my biological daughter's graduation gift -- I'm taking her to San Diego for her gift -- taking her for an entire week! Can't wait. And no, I'm not taking the skids or my DH, and I don't care if they get pissed. i told my DH we would just tell his kids that my parents gave me the money because there is no way in hell I'm taking my SD17 on a trip -- that would just be the trip from hell!

I have an account I set up for this reason, and others. Unfortunately, when DW and I started having some problems she got nosey and snoopy, and found out about it. She flew off the handle, accused me of all sorts of shit....this after SHE fucked up bills, our joint accounts, paid the mortgage late!!

But she still has no access to it, doesn't know the balance, but knows I have it. So it's kind of a moot point now. I don't keep much money in it now since she knows about it.

I don't have one because money has been so TIGHT for the past couple of years. But we have recently started a small business and our income has increased and I plan to start one. I think it is a good and smart idea.

i definitely told my DH, and i have used it for marital purposes -- ie vacations and used it to pay off a credit card we had, but I like having it because it gives me a sense of security in knowing that if i need to get out that i have money to get re-set up into a new place should things go really south. if it bothers him he doesn't really say so. i can't work outside the home really right now due to a chronic illness that is triggered by stress (translate the skids!!) so I lost my really good paying job that i'd had for years prior to marrying DH, so now i babysit for friends for $8 per hour. my DH told me that i could do what i wanted to with that money -- i just chose to put it into an account with my name on it only. no secrets, but it's my safety net.

I remember one time when DH thought I was wasting our money (it all went into a joint account and I am completely responsible for paying all bills, etc. out of that account).

He was complaining about how "out of the loop" he was. I reminded him that was because that is how he WANTED it to be. Then he complained that he doesn't even know my SALARY! I said, "That is not because I am trying to HIDE it. You never ASKED me what it was!"

Yep, I have my own savings. But it's not secret. DH can look at the monthly statements all he wants. It was mine before our marriage, it will be mine during our marriage.

I encourage DH to do the same, but he's not a saver. Not my problem.