Reply to How do you divide up shared and individual accounts with your spouse?

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[quote=Anonymous][quote=Anonymous]You've got to work out what you both can live with. For my husband & myself, we agreed that 95% of our incomes would go into the joint family account and 5% is automatically disbursed into separate personal accounts. [/quote]

We have something similar. It also helps in case a card is compromised that each one of us can access money from a non joint account. 
Every year we move unspent excess from the separate accounts into joint savings Etc. we both put just enough in the separate ones pet pay period where it's the minimum direct deposit amount so we don't have to pay to keep the account. 
We still discuss all purchases over about $200. As simple as "hey I need maternity clothes so I'm going to put a bunch of stuff on the credit card and pay that part off with the personal account" so there's no concern when the bill is higher. 
We had some hard conversations about savings and spending and our family money goals way before we got married so now it's easy. [/quote]

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