We have our own Checking + Savings accounts and a joint account. ALL $ goes into the joint first. All bills are paid. At the end of the month after all responsibilities are taken care of and bills paid and CCs paid - we split the remainder and put it into our accounts and can do with it as we please.
Oh and I handle the finances. If she was allowed free reign we would be completely FUCKED in no time. She has no concept of money. Which is probably why my account is loaded and she has 0.58 in her account
