How to secretly hide money from your spouse or partner

Nov 30, 2019
liz hurley cheated on by hugh grant

How to save money without your partner knowing


At first view, the idea of secretly saving money behind your spouse, partner or significant other's back, could be a flag that you have a relationship issue.

You could even perhaps describe such a practice as 'financial infidelity'.

Hiding money in this context is not illegal but perhaps somewhat unethical.

Maybe it can be rationalized as 'safety money' or an emergency fund to cover oneself for a pending divorce.

And if that's the case, so be it as only you know your own personal situation.

And of course, there can be some truly genuine reasons to save money without a spouse's knowledge.

  • Maybe they spend all the spare money without a thought of having a normal savings program.
  • Maybe you are saving up for a surprise present or gift. Like a pH tester for homemade Kombucha.
  • Maybe you need to set the example that saving can actually be done.
  • Maybe you have a compulsive gambler in your household.
  • Maybe your partner is having an affair or sleeping with prostitutes.
  • Maybe you are saving so you can escape a horribly abusive relationship.


Whatever your reason for saving money behind your spouse's back, here's how to do it

If you are salaried, then you need to have a separate bank account that your gross pay gets transferred into.

Set up a payment from that bank account into your 'relationship account' (whatever form that takes) - the amount will clearly be less than your income and the difference is your savings.

This trick works ideally if you change jobs or get a pay rise or bonus. It's a good time when entering into a new relationship to do this as well.

There are risks to this course. If you died, for instance, your partner would miss out on the money potentially.

If you have discretionary spending of your own, you can choose to save a portion of this yourself.

You can do it by holding a hidden cash reserve or by automatic bank payment.

One of the greatest plays you can make is getting cash out when paying for groceries or the like - adding 20 bucks to the grocery bill. Given only the total charge will show on a bank statement, this ruse will likely not ever be noticed. Just dispose of any printed receipt!

In a similar vein - returning purchased goods in exchange for cash is a handy method of rinsing money too.

Some really financially savvy players will deliberately overpay their taxes. The eventually refund from the IRS or equivalent can be diverted to a private account. If you have a personal credit card, you can also overpay this too -  a positive on a credit card balance is always a good financial benefit.

Another classic trick is to fake a bill or expense of some kind. Perhaps the car needed some work done by the mechanic. Perhaps you needed a sudden dental check. A fully informed partner helps with this one - just say you needed cash for the appointment or repair service and you are good.

When running a separate account, be sure to ensure that account summaries are not mailed to your home address so they cannot be discovered by your partner.

If you are saving cash in hand, hide it in a place where you are certain it will not be discovered. No matter what you do, do not hide your money in a banana stand.

Now back to that divorce - whatever happens, whatever you save is half your partners...

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