Reply to Joint Checking/Savings Account for Couple?

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[quote=Anonymous]For many years, my husband and I have each had our separate personal checking and savings accounts, into which our paychecks are automatically deposited and from which our personal expenses (e.g., personal credit cards, student loans) are paid. We also have a joint checking account into which we make roughly equal monthly contributions and from which our joint expenses (e.g., mortgage, tuition, utility bills, joint credit card bills) are paid.

Problem is that I'm the one who monitors all of our checking, savings, and credit card accounts on a daily basis to make sure we have enough in each and, if we're short, asking him to put in more money, which usually takes at least 1 or 2 reminders after the initial request. It stresses me out to do 100% of the work required in overseeing the joint accounts, but I know I can't rely on him to do it because payments will bounce.

So, I'd like to have our paychecks automatically deposited into the joint account, with each of us transferring money over to our personal accounts to cover our personal expenses. He's resistant, saying that this won't actually add any more money. I'm obviously aware of the math, but I'm simply looking for a way to share the responsibility.

Questions: 
1. How many of you share a joint checking or savings account for household expenses?
2. For those with joint accounts, are your paychecks automatically deposited into the joint account?

Thanks for your thoughts.[/quote]

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