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We have all joint savings accounts, 1 joint checking, and we each kept our individual checking. We have access to all accounts though, not that we've ever "checked." It was out of convenience that we kept our individual checking. And both of us like having a lil extra spending money for hobbies, surprise gifts, etc. All of our money is accounted for to each other though

We have everything combined. We both felt it important to be completely unified in every aspect when we got married... we discuss all purchases and come into some kind of agreement. We haven't both the other anything for birthdays or holidays since we were dating so that's usually a non-issue... if we do start again I figure we can just decide on a price limit and then take the cash to make the purchase. =)

Everything is combined. Checking, saving, credit cards, etc. I honestly wouldn't marry someone who wouldn't combine accounts with me.

DH makes custom gun holsters, so he pockets any money he makes from that, but that is as separate as we get.

@runnerd: We are pretty much the exact same as you guys! Everything is joint, makes it so much easier. Some investments recently are separate, but only because joint isn't an option. So we've invested separately, with the beneficiary being each other.

Everything is combined except our credit cards.

I voted other. For the most part, we have everything combined. We have joint checking/savings accounts that both our paychecks go to, and we pay for all of our non-bill expenses with a joint credit card. But we do have separate, non-joint savings accounts. Not because we need separate savings, but because the account our credit union gives a great return rate, but only up to a certain amount. By having separate accounts, we can get the great interest for twice as much money.

I really like having everything joint. We tried to do the separate thing with a small joint account for some bills and it was just way too complicated. We'd go out to dinner and be splitting the bill with 2 different credit cards. And when we went on vacation it was really hard to figure out how to split expenses. We intended to have some of our own money but then we couldn't figure out what was fair to pay from our own (clothes? lunches out?) and was ok to pay out of our joint account. Once we combined everything, no more money awkwardness.

We have joint checking (and investment) accounts and then we each have our own separate checking and savings accounts.

We did it this way because Hubs is a saver and I'm a spender. I didn't want to have to run by him every time I felt like going on a shopping spree, so it's easier to just have separate money.

We currently put 70% of our incomes into the joint account and then the other 30% is for ourselves. We use our separate accounts to pay for our own student loans, gas for our cars, and any personal shopping. We use the joint account to pay for all the house bills, groceries, things for the house, and any together-spending (like dinners, movies, etc).

This really works for us because otherwise we'd fight about money. I hardly have anything saved because I like to shop, and Hubs has his own little pile of money because he likes to save. It just works for us!

We have a joint checking and savings. We still have our separate checkings from before we were married but we don't use them anymore.

Our finances are entirely separate, but we generally consider everything shared. This is in part because of laziness-- we've been talking about setting up a joint account or credit card for ages, but never got around to it.

It's also because over the years we have never both had a stable income at the same time, so when there's an expense it's handled by whoever is in the better position at the time. It works for us overall, because we're pretty good at coordinating and neither of us has any really "out-there" spending habits.

Oddly, though, we still thank each other when one of us pays for something (dinner, a movie, groceries, etc.) even though we both know it comes from a common fund.

We each have our own separate account and we transfer into the joint account for things like mortgage and daycare. Besides that we split bills and DH pays some and I pay others.

Everything is joint for us, it has been that way since we moved in together. I grew up watching my parents hide money and purchases from eachother and that created a sense of normalcy for me to keeping things like that a secret. I'm much better if we just keep it all out in the open.

We have separate checking accounts and credit cards, but a joint savings account. The only purchases that are hidden from one another are the odd lunch out and any gifts.

For about a year after we got married, we maintained our separate checking and savings account. We split up the bills accordingly so we each paid about half since we make about the same. This was just to keep the accounts balanced so we knew how our earning to spending ratio was doing. Then DH thought it'd be easier to just see it out of one account instead of having to do mental math all the time so we combined everything into my checking account. It's taken a bit of getting used to since I'm not used to seeing his paycheck get deposited into mine and everything come out of mine all at once too, but I think it does simplify everything in the long run.

We share have our own credit cards and added each other as users and just use which ever one has the best rewards. And we have joint savings also. We basically view all our money as joint and discuss large purchases over $500.

We are completely separate, but only because we are too lazy to deal with choosing a bank and combining everything. DH makes way more than me so he basically pays for everything and my money is "extra." So essentially it's combined.

We have one account that is together. But then, I have my account that is separate too. So, I share his but he doesn't share mine. I am not currently working so mine is empty anyway haha and we only use his either way. I used to use mine only to pay off student loans and try to build my credit up (from nothing).

All of our finances are joint. It's been that way since we got married.

Ours are a little weird, we have joint checking and savings- almost everything goes through the joint checking but we also have separate accounts attached to our joint one that we put money in occasionally for just like free money, money to eat out with friends buy whatever without discussing, and for gift giving holidays we just put a certain amount in both accounts and use that so the other person can't see where it got spent. Honestly though we don't use the separate accounts often, I thought we would before we got married, but it can be a little too complicated so yeah...

We kept all of our old accounts, but added the other person into each of them, so multiple accounts that are all joint.

Everything is joint. We actually had joint accounts before we got married because we were living together. I'm very type-A about our finances, whereas DH doesn't like to handle any bills.

We're all joint. I like it.... except for gift giving. DH takes care of the bills so he's the one who see's all of the credit card statements and I have to get creative. I either to go the store and pay with cash, but if it's something I have to buy online I'll give my mom cash and use her credit card and then ship it to her house.