Keeping punting secret

[proxima22]

I'm after some advice about how other punters make sure their other halves don't find out what they're up to.

I've got most aspects covered and I've been married long enough that my wife doesn't give much of a shit what I do. But the one aspect she does give a shit about is spending money! I unfortunately agreed to a joint bank account long before I started punting and she has full oversight of every penny spent. Both our wages go into the same account and I have no other income sources.

I usually have to make small withdrawals over a number of weeks to avoid suspicion but sometimes I just want to act on the moment (like today!) and its so frustrating that I can't!

Does anyone have any tips? The ideal scenario would be somehow transferring a small part of my wage into a seperate account before I get paid but I've no idea if thats even possible. I can't get out if the joint bank account that's for sure - that would be a dead giveaway! I'm even thinking of getting a second part time job just to secretly fund my punting!

[RAJEC]

I'm after some advice about how other punters make sure their other halves don't find out what they're up to.

I've got most aspects covered and I've been married long enough that my wife doesn't give much of a shit what I do. But the one aspect she does give a shit about is spending money! I unfortunately agreed to a joint bank account long before I started punting and she has full oversight of every penny spent. Both our wages go into the same account and I have no other income sources.

I usually have to make small withdrawals over a number of weeks to avoid suspicion but sometimes I just want to act on the moment (like today!) and its so frustrating that I can't!

Does anyone have any tips? The ideal scenario would be somehow transferring a small part of my wage into a seperate account before I get paid but I've no idea if thats even possible. I can't get out if the joint bank account that's for sure - that would be a dead giveaway! I'm even thinking of getting a second part time job just to secretly fund my punting!

Either get yourself a cash rich side job or find a hobby that requires payment in cash.

You could also claim to have set up a direct debit from your personal account, and just set up a standing order to that from your joint account each month. Then you can punt away!

[Silva21]

I'm after some advice about how other punters make sure their other halves don't find out what they're up to.

I've got most aspects covered and I've been married long enough that my wife doesn't give much of a shit what I do. But the one aspect she does give a shit about is spending money! I unfortunately agreed to a joint bank account long before I started punting and she has full oversight of every penny spent. Both our wages go into the same account and I have no other income sources.

I usually have to make small withdrawals over a number of weeks to avoid suspicion but sometimes I just want to act on the moment (like today!) and its so frustrating that I can't!

Does anyone have any tips? The ideal scenario would be somehow transferring a small part of my wage into a seperate account before I get paid but I've no idea if thats even possible. I can't get out if the joint bank account that's for sure - that would be a dead giveaway! I'm even thinking of getting a second part time job just to secretly fund my punting!

So, several things I did. Number one is I opened a secret tesco bank account (which also conviently came with a & 1k overdraft). Turned off paperless statements too.

Then I ebayed an absolute amazing load of crap and made £800 which I put into said bank account.

I arranged for the family allowance money to be paid into my tesco account and I also asked my company to pay my expenses into that account.

Between the few thigss there, I've managed to operate on the sly for over a year so far.

[Jonestown]

So, several things I did. Number one is I opened a secret tesco bank account (which also conviently came with a & 1k overdraft). Turned off paperless statements too.

Then I ebayed an absolute amazing load of crap and made £800 which I put into said bank account.

I arranged for the family allowance money to be paid into my tesco account and I also asked my company to pay my expenses into that account.

Between the few thigss there, I've managed to operate on the sly for over a year so far.

Get caught with a secret bank account and you have mucho explaining to do, get caught putting the Family Allowance into your punting account and you're dead meat.

[proxima22]

Then I ebayed an absolute amazing load of crap and made £800 which I put into said bank account.

Cheers, I like that idea, been thinking of doing that too. I saw a few years back that paypal were offering some kind of debit or cedit card, thought that would be a good way of channeling some money away but they don't seem to be doing that anymore.

Does tesco send you any post at all re the bank account? It would have to be guarenteed no contact by post to work for me!

[proxima22]

Get caught with a secret bank account and you have mucho explaining to do, get caught putting the Family Allowance into your punting account and you're dead meat.

 

[Moby Dick]

Sounds like you ain’t wearing the trousers.

Offer to do some jobs around the house, she may give you a bit of pocket money for being a good boy.


Ask for Take money to go out drinking, meals or watch the footy with your mates, put some aside, or just go punting instead.
Set up loads of new bank accounts in your name, switch them from one to the other, to get £150 switch incentive. She will be happy with that, but why even tell her?
If you need some DD just do the lottery, £2/month.
Start paying cash for everything, fuel, shopping, and Don’t tell her the log in details.

[proxima22]

Sounds like you ain’t wearing the trousers.

I could try and get on my moral high horse regarding equaility in relationships but considering the circumstances we're discussing, I won't bother! 

[Kingy28]

Any cash withdraws at this time of year from a joint account can be explained as Christmas shopping funds 

[freeze44]

I could try and get on my moral high horse regarding equaility in relationships but considering the circumstances we're discussing, I won't bother! 

  Get the mrs to punt  true equality 

[ik8133]

Have a go at match betting, couple of sites you can join to do this and guide you though it.  It can be a bit time cosumming but funds cab build up quite quickly.

[Jonestown]

I'd say if your marital finances are as enmeshed as you describe you have next to no way of hiving off regular punting sums without it showing up. you could set aside a small lump sum and use it to set up and switch banks and accrue introductory cash offers, would take a period of time, but might work. Alternately you you pop over to mumsnet and have a look at what the sisters of perpetual revenge have discovered their errant SO's  have been upto, I think they always advocate to follow the money trail when digging for dirt; might be some little known ideas worth considering in there.

[Moby Dick]

I could try and get on my moral high horse regarding equaility in relationships but considering the circumstances we're discussing, I won't bother! 

That’s a shame.
I wouldn’t have time to read it anyway, gotta go down the pub, game of 5 n 3s, pick me horses for tomorrow, and if I’m lucky will find something for myself to ride.

The current Mrs Moby Dick wouldn’t have time to read it either.
Shes too busy doing her chores.

Call me old fashioned, but so far it’s worked for me, and I have enough money to punt every week if I was sober enough to. 



If we were all made equal then why the fuck do we pay for it?

[Metalgear2018]

I'm a bouncer on weekends and I get cash in hand. Why don't you be a cleaner or uber driver

[Jonestown]

I'm a bouncer on weekends and I get cash in hand. Why don't you be a cleaner or uber driver

Good ideas, his wife is unlikely to spot anything unusual going on there, is she ?

[Silva21]

Cheers, I like that idea, been thinking of doing that too. I saw a few years back that paypal were offering some kind of debit or cedit card, thought that would be a good way of channeling some money away but they don't seem to be doing that anymore.

Does tesco send you any post at all re the bank account? It would have to be guarenteed no contact by post to work for me!

Tesco sent a fair bit of crap through the post when I first joined. I just worked from home for a week or so.
Since then, zero because I opted to go paperless.

[Silva21]

Get caught with a secret bank account and you have mucho explaining to do, get caught putting the Family Allowance into your punting account and you're dead meat.

If I get caught I'd say if been trying to save and the withdrawals are when I've tried to save too much money and realised I actually needed some so drew it out on cash to help me manage it better.

Yep, it's a risk no doubt but so is punting and after 12 months it's working a treat.

[Metalgear2018]

Good ideas, his wife is unlikely to spot anything unusual going on there, is she ?

Thank you . I'm glad you agree

[MassageBloke]

Get a "sudden interest in DIY". Get a PayPal account to "buy tools stuff of eBay". Get a Credit Card account. Send "tool payments" to PayPal. Send money from PayPal to Credit Card. Withdraw cash from CC at ATM. Enjoy your ladies !!

PS. Don't forget to get a few actual tools delivered to your home address !!! 

[GingerNuts]

So, several things I did. Number one is I opened a secret tesco bank account (which also conviently came with a & 1k overdraft). Turned off paperless statements too.

Then I ebayed an absolute amazing load of crap and made £800 which I put into said bank account.

I arranged for the family allowance money to be paid into my tesco account and I also asked my company to pay my expenses into that account.

Between the few thigss there, I've managed to operate on the sly for over a year so far.

Your wife must be a bit slow on the uptake if she hasn't noticed the child benefit and your expenses no longer appearing in the family bank account.

[GingerNuts]

Get a "sudden interest in DIY". Get a PayPal account to "buy tools stuff of eBay". Get a Credit Card account. Send "tool payments" to PayPal. Send money from PayPal to Credit Card. Withdraw cash from CC at ATM. Enjoy your ladies !!

PS. Don't forget to get a few actual tools delivered to your home address !!! 

You don't spend it on punting so what do you do with your hidden cash?

[Silva21]

Your wife must be a bit slow on the uptake if she hasn't noticed the child benefit and your expenses no longer appearing in the family bank account.

We don't have a joint account.
She has her own account and her own salary. I have the same.
It always went into my account.
Why would I get MY work expenses not paid into my account.

We both have enough disposable income and its not really a case of finding the funds, more if she looks at my account there's nothing suspicious.

[GingerNuts]

We both have enough disposable income and its not really a case of finding the funds, more if she looks at my account there's nothing suspicious.

If she looks at your account now there are no child benefit or expense payments going in. Suspicious in itself.

[Home Alone]

If she looks at your account now there are no child benefit or expense payments going in. Suspicious in itself.

I ask this as someone who didn't have the balls to start punting till the best part of 2 years after the OH pissed off; but if Ginger Nuts didn't get back into punting until after he & Mrs G.N. had set up paperless accounts, how would she find out about the Child Benefit & his Expenses??

Or have I had 1 glass too many of Chilean Merlot with my tea?!

[Silva21]

If she looks at your account now there are no child benefit or expense payments going in. Suspicious in itself.

She wouldn't notice. I doubt she even remembers.
Plus, you can't eliminate risk, you can only minimise it.
If you were trying to eradicate all risk then you wouldn't punt to start with.

[GingerNuts]

She wouldn't notice. I doubt she even remembers.
Plus, you can't eliminate risk, you can only minimise it.
If you were trying to eradicate all risk then you wouldn't punt to start with.

It's change that arouses suspicion. You're lucky your wife doesn't notice these things.

[distancetravel20]

Monzo or Revolut are easy to sign up for and don’t send any papers
You can just say you signed up to see what all the fuss was about
I use mine just for small day to day purchases as it keeps your bank account free of all of those £2 coffees/teas. 
so you could start doing that to start separating your money

[OakTree]

It's change that arouses suspicion. You're lucky your wife doesn't notice these things.

They never notice things until they suspect and then they notice everything.

When it comes to banks and punting you’re basically leaving a permanent trail. It’s not that difficult to start to see a pattern in withdrawals and if she ties that up with times when you disappear the picture becomes far clearer.

The best way for punters hiding their secret from wives and girlfriends is cash only. Either drip feed the amount you need by dealing in cash for nearly everything you buy or have an outside income that’s cash only.

[heathen666]

So, several things I did. Number one is I opened a secret tesco bank account (which also conviently came with a & 1k overdraft). Turned off paperless statements too.

Then I ebayed an absolute amazing load of crap and made £800 which I put into said bank account.

I arranged for the family allowance money to be paid into my tesco account and I also asked my company to pay my expenses into that account.

Between the few thigss there, I've managed to operate on the sly for over a year so far.

Do you have a Mortgage? Cos that second account will show up on your credit report, and if you're on a limited time rate with the view to renewing it. The question about the second account could come up.

I've been using a credit card with free cash withdrawals, but even the fact you're doing cash withdrawals shows up. I'm looking at reviewing my mortgage at the moment and questions have been asked.

I've just got a Pockit account which doesn't show up anywhere and you can transfer money to it from your regular account. Or pay in cash.

[jayj301599]

I have a separate bank account which I have a standing order too the gf doesn't pay much attention to banking but even if did I would just withdraw money here and there and keep it elsewhere.

Have my punting phone kept in the office, the punting sin kept in the car so they are only brought together when I'm calling to arrange a punt.

Only punt when she works evening shifts so I have time to come home and shower.

[Silva21]

Do you have a Mortgage? Cos that second account will show up on your credit report, and if you're on a limited time rate with the view to renewing it. The question about the second account could come up.

I've been using a credit card with free cash withdrawals, but even the fact you're doing cash withdrawals shows up. I'm looking at reviewing my mortgage at the moment and questions have been asked.

I've just got a Pockit account which doesn't show up anywhere and you can transfer money to it from your regular account. Or pay in cash.

I don't have a mortgage. I do get concerned that a statement will come through the door even thou I've selected paperless and I like the idea of a pockit. My wife has one.
If she found that thou it would be even more difficult to explain than if she found my tesco account.

My biggest worry so that she will find my punting parafernalia - phone, cash card, viagra, kamagra gell etc.

I've been looking at those Deodorant bottles which work but also the bottom comes off and you can stash things in them.
Expensive thou. Other tjj g I've looked at is gluing a plastic container to the bottom of a book case I have.

[Jonestown]

Only punt when she works evening shifts so I have time to come home and shower.

Be sure to give that shower cabinet a wipe down after, coming home and having a shower straight away can alert suspicion.

[jayj301599]

Be sure to give that shower cabinet a wipe down after, coming home and having a shower straight away can alert suspicion.

I'm often at the gym and have a shower when I come back from it so she assumes I've been there 

[Metalgear2018]

I like this topic. Its very important we discuss this. But I would always look for a cash in hand job. For example,  say to your wife you have an interest in super cars. Then get a Saturday job washing cars in a car park. It's all cash in hand and you can earn £50 a day. Also, do evenings office cleaning they will give you a 2 hour cleaning slot. You can finish the job in 30 mins then you leave early to punt.

[Moby Dick]

I think some of the posters above need to take a look at their lives.
Do you punt because you are not allowed to breathe at home?
It must be so refreshing just to throw your clothes on the WG floor and not have her indoors whinging at you.

Why don’t you control the purse strings?
If you can’t find the cash to go out with your mates, have a few pints, or even a round of golf then get rid of her.
I bet she is spending £80/month having her hair and nailed done.
Lunch with the girls, buying clothes and shoes she never wears.
Buying gifts for relatives and friends you don’t like.
And you can’t even find £150 to have some fun at the weekend.
Grow a fucking pair

 If men did this to women it would be called domestic violence.

[tynetunnel]

I have a separate account, it’s paperless. She knows I have it, to manage my own day to day stuff and expenses away from our joint account - including to buy her presents with - although I rarely do. It’s no secret that I have it, so no suspicion. It’s so I can carry less cash and tap and pay for all the small things in life - that’s what I tell her!

The initial paperwork came by post but no statements. It gives me complete freedom in terms of managing my ‘hobbies’.

[tynetunnel]

I think some of the posters above need to take a look at their lives.
Do you punt because you are not allowed to breathe at home?
It must be so refreshing just to throw your clothes on the WG floor and not have her indoors whinging at you.

Why don’t you control the purse strings?
If you can’t find the cash to go out with your mates, have a few pints, or even a round of golf then get rid of her.
I bet she is spending £80/month having her hair and nailed done.
Lunch with the girls, buying clothes and shoes she never wears.
Buying gifts for relatives and friends you don’t like.
And you can’t even find £150 to have some fun at the weekend.
Grow a fucking pair

 If men did this to women it would be called domestic violence.

How true that one is. Every person she works with must have birthday/xmas presents but it’s paid out of our joint account! It boils my piss!

[sadolddeejay]

Regularly take cashpoint cash out and use it to pay for things occasionally, like window cleaners and tips in restaurants, or drinks in pubs. I do this, claiming that every man should always have cash in his wallet in case card machines or cards fail. Don't let her rifle through and count it. Squirrel away the occasional tenner and before you know it you'll have enough for a punt.

[katmandu]

I ask this as someone who didn't have the balls to start punting till the best part of 2 years after the OH pissed off; but if Ginger Nuts didn't get back into punting until after he & Mrs G.N. had set up paperless accounts, how would she find out about the Child Benefit & his Expenses??

Or have I had 1 glass too many of Chilean Merlot with my tea?!

Sorry I can't answer what you asked specifically. You have good taste in wine and women old man

[Misspleasecumsqueeze]

OP. What you could do would be to ask your employer for a small cash advance on your wages, use whatever excuse you like obviously. Then when they do your payroll/salary, have them take back the advance. Then your wage goes into your joint account at the lesser value. In an ideal world, you do not have a fixed salary each month, I mean if you are a salesman on salary and commissions, then all likelihood, your salary paid into your joint account, will vary each month. That would be the best scenario. As if it is a fixed take home sum, then your wife will see, the shortfall in salary which you will have to explain away.
Not ideal, but might afford you a limited amount of punt opportunities over a year. I doubt the most understanding of employers would like you doing it as a very regular occurrence, but as I do not know your punting frequency, this does assume that you may be an infrequent Punter ofcourse. I am assuming also, that you do not have to hand you payslip over to your wife.

[B4bcock]

Dunno about your shopping habits, but if you pay by debit card most supermarkets will offer cashback.   Just make sure you 'lose' the receipt.

[Helloyou75001]

Go to casino and withdraw money from there. Pretend it's your new hobby lol.

Or send money monthly into investment account. Then take some money out separately

[Gordon Bennett]

Nowadays with interest paying current accounts it makes sense to have one account each. This is because the accounts only pay interest on the first £1000 - £2000 held there. TSB pay 3% on amounts up to £1500 so with separate individual accounts you will be able to get interest on £3000. I know it's pennies but the logic makes total sense and there can be no credible reason to not do it.
For everyone else - never let other half control the money..... If men do that to women it's called Controlling Behaviour and can land you in Court.

[Formicahunt]

I've got an online only First Direct account attached to my work address (only me in the office). My work involves money coming in at odd times and a lot of people still like cheques which go into this account. If you're salaried why not find a job that needs doing to your house, get someone in to do it, tell the wife they want paying in cash, add 300 to the estimate explaining there's always a bit extra to pay but once the jobs done you'll stick it back in the account but don't. Or pretend to take up a pricey hobby like golf.

[Formicahunt]

Or pull a spark plug from the car, tell her it needs fixing, pretend to take it in to a cash only garage, stick the plug back in and moan about how expensive it was to fix.

[Razor Boy]

I like this topic. Its very important we discuss this. But I would always look for a cash in hand job. For example,  say to your wife you have an interest in super cars. Then get a Saturday job washing cars in a car park. It's all cash in hand and you can earn £50 a day. Also, do evenings office cleaning they will give you a 2 hour cleaning slot. You can finish the job in 30 mins then you leave early to punt.

I have done exactly this. I saw an opportunity to take over the office cleaning at my work and told the OH that I was doing more hours after work cleaning than I actually was,so I had hidden punting time, also didn’t tell her the actual money that was coming in from it but gave her a lower figure. We don’t have a joint account so she has no clue what’s coming in. Now I have built up a nice little earner ( 800 or so per month) and have the excuse of “extra cleaning needed at the offices” when I need punting time ... it all works a treat !!

[GingerNuts]

Now I have built up a nice little earner ( 800 or so per month)

How much per hour are they paying to clean the office?

[hunkybc]

Talk about living life dangerously!! I have  my own account which my wage goes into. I then pay separately into the joint account which covers bills etc. Leaves my own account available for punting.  Your wife has a hold over you.   

[PeachyAssFan]

Open a new bank account and link it with PayPal.  Offer to do the weekly shop, or some shopping on your own. Along with the groceries buy gift cards that you can sell on eBay. Destroy the till receipt. Don’t use any loyalty card.  Ok, you will lose some money in this laundering operation as you won’t get face value.  Over a few weeks you should be able to plausibly hide the price of the punt. (I think!).

[Razor Boy]

How much per hour are they paying to clean the office?

Like I said, I have built it up and now have more than one office on the business park to clean. I also employ a couple of girls to help out who also cover for my holidays. It’s all worked out well