Managing / Organising money monthly?

Ladies,

EVery month after we are done with our monthly expenditures, we are leaving the left over money in checkings account. I was wondering how you ladies manage the following :

1. Where will you keep your money in Checkings account or savings account or any other account having higher rate of interst? I heard about CDs.
2. Will you transfer most of the money to India (so that your savings will be in INR)?
3. Is there any investment options (monthly) that we can do in US?
4. How do you manage your money? YOu and your husband maintain different accounts or do you maintain money in the same accounts?

Am just not clear with the ways to organise the money matters. Please pour in your valuable ideas.

Hi Shobha,

Since now the exchange rates are good we are transfer around 50% of our savings to India and also in Indian banks the FD rates are good now.

About investing here even I have my own doubts.If some other members can pour their valuable suggestion It would be of great help.

Take care,

Thank you Sarachandra.

Yes ex rates are good now. Nearing 48

Ladies, any other responses?

Thanks
Shobana