As of now, my mother has access to the checking account that I have. She's one of the types of people that tries to control everything that you do, and take most of the money that you make. She knew how much my balance was on my account and I didn't even know, the fact that both of our balances come in together. I've already seen what happened to my older sister, the fact that she tried to get her to show check stubs and take the money that she had, and it got her thrown out. I do not want the same thing to happen to me the fact that I'm trying to save up and leave. It was suggested that I just open up another account (which will just be a savings account) and ask my boss to do a direct deposit. But the question is, what about my checkings account? I do not want to make it to obvious to her that I am not putting my salary in the account she has access to. I would close the account, but I would lose my over-draft protection that I have on it. Help?
You need to set up another bank account at another bank. Also, it would be a good idea to have your mail for that account sent to another place -- possibly a friend's address, or better still, a post office box, although that could cost you. I'd try to find an accomodating, understanding friend, and have your statements from that account mailed to that house. If your mother is financially abusing you like this, then you need to make sure she is unaware of your other account. So set up an account at another bank, and have the mail organised so that it will not come to your house. You could possibly even have it delivered to your work place, or ask for the statements via email. Your privacy is paramount.
Get your employer to pay part of your income into your chequing account, and part into your secret account. Start small, so she doesn't notice that there is less money going in there. I'd say, reduce the amounts going into your chequing account by 10% each week til you're comfortable. Make your secret account a high interest bank account, so you get a good return. If you know that closing the account or taking her off the account will result in you being thrown out on the street, then you need to get very sneaky about how you organise your finances. You need to keep that chequing account open and put a token amount in there, and keep your emergency money a complete secret. You're no different to a woman being financially abused by her husband. You need to deceive her in order to keep a roof over your head.
You are working. You need to get away from this woman. She might be your mother, but she is financially abusing you. She has no right to interfere with your finances if you are a grown adult. You need to get your own place. Even a cabin at a caravan park, or a room at a hotel, would be better than your current arrangement. Save up until you have enough to pay four months worth of rent, and then try to get a cheap place on your own, or move in with someone who needs a flatmate.
You're pretty with it financially. I think having your employer split the money into another account is your best idea. But keep the chequing account as a 'front' until you need to leave. And withdraw money from that account as cash and deposit it into your other account if you can. That means you can say "Oh, I just spent it on coffee or something," when really it's going into your emergency account. Don't do transfers, because that'll make her suspicious. Make up some big expenses. Say your car has problems and you went to a mechanic and he said it'd cost some ridiculous amount to fix. Then withdraw that money and put it in your savings. You could probably get away with that a few times. It would enable you to keep the chequing account open for a little longer.
I'd go for an account at a completely different bank, because then there is NO chance that they will get your accounts mixed up or send the wrong statement to your mother's house. You need to get out of there as soon as possible. If she's taking your hard earned, she's sabotaging your future and stealing from you. You need to get out of there. I would seriously consider getting a second job and hiding it from her. Next time you get a payrise, you need to bank the extra that you're making so she doesn't know.
All the best in fixing this. It'll be hard but I'm sure you can do it. And you're worth the effort. Remember that.
If you are over 18 then you can have your mothers name taken off of your account. If you are an adult then your mother has no business snooping into your money matters. Move out and get away from her control issues.
If your over 18 or 21( depends on the legal age in your country) open a PO box and have all your mails direct to that. Don't tell your mum you got one and where it is.
In most cases direct deposit can be split between two or more accounts. You can have 50% go into one, 50% go into another, or what ever percentage you want. This might be a solution so you have your own account and it looks like money is still going into the one your mother is watching