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

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For those with 2 income households, how do you and the wife have your accounts and handle paying bills?

For the past 2+ years our lives have been in a state of flux, moved, new child, wife finishing masters and not working, I started a new job, etc.

However she is finally back to work full-time and things are a little more settled so trying to finally hammer out a good budget.

I like to have as many items on auto draft as we can to ensure everything gets covered.

Part of that is how your checking/saving accounts are structured.

I am currently leaning towards 3 accounts, a joint family account and we keep our current personal accounts.

Checks would hit the joint account and a pre determined left over amount, after bills, investments, plus a cushion taken out. Would distribute to the personal accounts for discretionary spending.

Was curious as to how you are doing it because most seem to have just one family account or two separate and they just agree on what to pay for.

Tia

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Seperate checking accounts. Everything goes on joint credit cards.

Split childcare and mortgage evenly.

I had and have a lot more in savings so I handle big purchases, down payments etc.

Realize this is a-typical but we got married in mid 30s and were both fairly independent and succesful so this is what works for us.

We have never fougth about money even for a second.