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[quote=Anonymous][quote=Anonymous]OP, you just need to figure out what works best for you.  Clearly there is not one answer from the posts.

Before we had our child, each of us just paid specific bills and just worked it out.  It wasn't a big deal.  Post child, I ended up leaving my job and we just use one joint account and one main credit card.  I do most of the shopping and bill paying so it is just easier.  We kept our premarriage savings separate and we contribute to a Roth IRA for me every year.  [/quote]

OP here - I have started to make up a budget (giving YNAB a try), and we plan to set up joint checking and a joint credit card to use for most of our spending. 'Til now we've just taken turns paying for things, and figured it all shook out in the wash. Going over our respective credit card statements from the last few months, it's been a real eye-opener! I realized that I've been spending twice as much on groceries as my husband (though I know that in some previous months he's spent more), and also that I've been very wasteful with eating out at lunch. So I need to start following my husband's example of packing a lunch every day, and once we throw our money in the communal pot, it won't matter who's shopping for groceries. We're preparing to buy a home (our current mortgage plus condo fee is only $1200) and our baby is due this fall. Feels like jumping off a financial cliff; hopefully the water's not too shallow below, but we'll make it work!

Thanks everyone for all the great advice. [/quote]

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