My wife is terrible with money. We both make about the same amount. We started out with seperate accounts without much thought, but the problem was she'd just spend all her money on the first day of every pay period, and I'd be left paying all the bills, and paying for the groceries, and paying for the $400 shoes she just had to have, and she'd spent all her money. Then it started getting me into debt.
So, I took over and combined all our money, and figured out what we had left after all our bills, kept an extra thousand/month for debt paydown/savings/budget overages, took out some for gas/groceries, put in any planned house projects, and figured out what was left, and said she has 2/3s and I have 1/3(because girls spend more, I guess. And she buys more stuff for the house with hers). Neither of us are accountable to each other for what we buy with our portion.
It was tough getting her to buy in for a while. My wife is sneaky. She'd open store credit cards when she was out of her money, etc. After about a year, I think she's finally bought into the system!
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