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Joint account

separate.... but I will say... we don't have a joint *yet*

@swedishfish: ditto!!

except other people will joke about how I'm making him pay thinking it's "his money" so I have stab right back and let them know it all comes out of the same account.

We have joint separate accounts. I know, that makes no sense. I confused a friend over the weekend about that.

But if I said he'd pay for it, I'd mean he'd pay with the debit card with his name on it.

I would assume separate accounts unless it's...toilet paper? DH and I keep some separate money

@swedishfish: Haha, same. I don't even bother bringing my wallet anymore. DH always has his in his pocket, so I don't need to lug my ginormous purse around.

I don't say that, we have a joint account. which is why getting birthday presents/ect. are just not as exciting as they used to be

I say it sometimes as a joke, because we have everything joint. It basically means he needs to be the one to pull his card out of his wallet and handle the mechanics of paying.

We have separate accounts.

We have a joint account, and each have individual accounts too. We also have individual random gift cards or store cards. Or it could mean the lazy wallet thing...depends!

@Mrs. Jump Rope: I actually think this is the smartest way to do things if you want to keep your money separate. In the event of one of you passing away it will be a whole lot easier for the surviving spouse to access funds if the account is joint then trying to deal with probate on an individual account!

@swedishfish: Exactly

I don't say that, unless I"m kidding. Because we have joint accounts. So sometimes I'll tell my husband he's treating to be funny (usually I pay when we are together because he stresses about tip amounts lol).

We don't have a joint account, but it's all meshed together anyway. So basically what @swedishfish: and @looch: said

We have our separate accounts and one joint account to pay for the shared expenses. It works well for us because we don't have to argue about frivolous expenditures. I look at our separate accounts as allowance money.

Same as @swedishfish:

Separate accounts and a joint savings.

We keep a joint savings account and joint checking for household/daycare type expenses, but separate accounts otherwise. So if he's paying, it's coming out of his personal account.

We have separate chequing and joint savings. We both make really good incomes and the separate accounts gives us both more freedom over what we want to spend our money on... I won't freak out over him spending so much on golf and he doesn't see how much I spend at Sephora.