re: Spinoff from the budget app thread. How do you handle accounts and payments with SO?

We each have our own checking and savings accounts and then there is a joint checking and a joint savings account.

Joint checking is for things like mortgage, insurance, utilities, etc. A portion of paychecks automatically go into this account and every time there's a deposit of $300 or more, it triggers an automatic draft of $50 to go from this account to joint savings.

Joint savings is for putting back for expensive home upgrades/projects and purchasing Christmas gifts for the family.

Our personal accounts are for whatever we want.

We both have access to all six accounts, if we want (we rarely need access to the other person's savings/checking). On a semi-monthly basis we reconcile the joint accounts and her accounts together. Since my 401k is also through our bank, I'm usually in my account view every other day or two so I am usually pretty up to date on where our joint accounts and my personal accounts sit.

It has worked well for us.