re: Married baws - how do y'all handle finances

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This is what me and my wife have done since we got married 9 years ago.

We have:
Joint Checking - All money initially goes into this, all bills, house hold purchases, and big purchases come from this.
Joint Savings - Self explanatory
His/Her Checking - this is just a small amount of money each paycheck that we are not accountable to the other for. Great for buying gifts without the other knowing or small purchases just because.

We each have complete access to all of these accounts. This has worked extremely well for us.

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This is what I'm leaning towards. Thanks for the share

Ours is completely separate. I've wanted to keep it that way over an inheritance I received, but its gotten a lot harder now that we just had a kid. I just give her my credit card now or cash when she needs it. No big fights have erupted as of yet.

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I've wanted to keep it that way over an inheritance I received,

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What you gonna do with that money that you don't want your wife to have any say in?

Combined, and never had issues. I handle all of the finances. Married 11 years.

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We have 2 joint accounts and my wife has a separate account that her check gets deposited into. Wife pays the mortgage and also pays any child care fees we have. That is her account, I have no access to it, but I know how much she gets paid every 2 weeks and generally how much is in there. We have a joint account, that my check gets deposited into. I pay all the other bills that we have out of this account. My wife rarely uses this account, but she does have access to it

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So your wife has access to all of the money that you bring in, but you don't have access to any of the money she brings in? Is she the breadwinner?

I make the money and my wife stays at home and manages the household. If she made money we would combine incomes.

He's welcome to take them over. I don't enjoy it actually.

I know, right

Back when we both worked we each had a checking account. My account paid all the bills. Mortgage, car notes, utilities, etc. her account bought groceries, going out to eat, and spending money. Also any vacations or large purchases came out of her account because that one had extra in it and it was easier to budget with. If we wanted to take a trip or buy something large we just cut back on the eating out and spending money for a couple of months.

Now that she stays at home most of the time except for a small part time job, pretty much all comes from one account. She spends on the credit card to get cash back and I pay all the bills. Everything except the mortgage, car, and power company are auto pay. And that's just because none of them offer that. I have to manually go in and pay my power online because the only auto pay option is a checking account. I want the cash back for using my cc.