my wife and i have 3 accounts...
1 - my business account - just to keep that stuff separate
2 - joint account - self explanatory
3 - a mortgage account - again, self explanatory
as far as "spending money" - when we fist got married, my wife and i did up a budget of all our bills/expenses to see how much surplus there was at the end of the month. then we figured out how much additional $$ we wanted to save/put against our mortgage every year. what was left over was what we could spend on ourselves.
the good thing with both of us is that we're both 'savers'... hate being in debt, so there weren't any huge concerns of one of us going and blowing a crap load of money.
we've been married for 10 years now and we don't really do this at all anymore - but we will chat about stuff we want to get. i find that my wife likes getting lots of smaller not so expensive things, while i prefer to get a lot less stuff, but it's just stupid expensive - like camera lenses and truck parts!
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"...and there goes Finger up the middle on Luongo!" - Jim Hughson, Av's vs. 'Nucks
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