AskShould I claim 1 or 0 allowances on my w4? Should I check Married or Married, but withhold at higer rate?

Do I have to claim myself as an allowance ( entering 1 on line 5) on my W4? I'm worried about owing money at the end of the year. My husband works and makes much more money than I do, as I have a part time job at 10.25 an hour.  He however makes less than 65,000 a year.


Also should I check married or married, but with hold at higher single rate? What is the difference?

I am not claiming anything else just myself as an allowance if that is the logical thing to do.