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[quote=Anonymous][quote=Anonymous]We merged all of our finances on Day 1, too.  We are married; all of our money is our money.  (If it matters to anyone reading, I came into the marriage with more assets and he has way more debt; his salary is higher than mine.)

Our income now is both of our income, combined.  We make a budget every month using You Need a Budget (YNAB) software.

[b]We never actually switched to new bank accounts.  We made each other co-owners of each other's accounts, and we pay bills out of both.  (I pay all the bills, actually, but I pay some out of his account.)  but everything is transparent through YNAB - there's no his/hers.

Almost everything is budgeted jointly, but we keep our own categories in YNAB for our personal spending "allowances" (which are roughly equal) and untracked cash for both of us.  That's so we don't drive each other crazy nickel and diming each other's choices for everyday things.[/b]

For big purchases (outside our own budget categories) we always discuss before buying, and we always have to make sure we have money in the category available.

It's really helped us to be closer as PARTNERS in the marriage, planning for the future together.[/quote]

Funny, this is *exactly* what we do yet I described us as having separate finances. Love YNAB![/quote]

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