We keep our finances separate, and have since the start.
After we moved in together, we looked at both our incomes, looked at the combined 'outgo' and split it based on income. We revisit this once a year or so, to make sure that we keep on top of things. On occasion, due to circumstances, its had one or the other of us asking for a bit of help "this month".
In practice, this has boiled down to me completely covering the mortgage payment, while she covers the other bills and food for the month.
We each have our own "whatever I want" money that the other doesn't keep track of, as long as the 'family financial obligations' are met.
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