I received some questions from Foster Dad (you should check him out) about my post updating my decision to put Primo's stipend into a separate checking account from our household accounts.
The most difficult thing about having Primo's money separate from ours is dividing my shopping cart into two transactions at the register. I actually don't find this very difficult, but it is the largest negative of the whole experiment. I have to say that I'm not a stickler for 100% divided money. When I go to the grocery store and do a big food shopping, I don't pay for Primo's milk and snacks separately, that is too much for me and doesn't cost enough money for me to worry too much about it. When I'm shopping at a large mart or bulls eye, I separate out my order, there is generally less stuff in my cart, and more expensive items like large boxes of diapers, wipes, clothing etc., and it is easier to do.
If I were to start over long ago in 2011, would I have wanted to keep Primo's money apart from ours? I'm not sure about this. My agency sends Primo's checks a month behind, meaning for the time he was with us in October, for example, we would not receive a check until the end of November. So during his first two months with us there was no money coming in to cover expenses. I also wrote here about our expenses the first 6 or 7 months of having Primo in our home. Therefore I would say that I wouldn't have been able to open a separate checking account for Primo for quite a while without being penalized for low balances, or no balance at all.
Over all I'm very happy with my decision to open a separate checking account for Primo's stipend. As for the lost convenience of paying in a single transaction when I'm out shopping, it seems a small price to pay given how good I feel knowing that I'm spending Primo's money appropriately.