We've actually done both. When DH & I were engaged and probably the first year of marriage we kept seperate accounts. There was a joint account to save for the wedding and then to save for a home. We each paid differnt bills from our own accounts. Now everything is joing & I'm in charge of all financial matters. However, the seperate accounts thing taught us a lot! My DH is a spender while I'm a saver. Only enough money was kept in individual accounts to pay the bills and we each got an allowance. The rest went into the joint savings account. The allowance taught DH for the first time about budgeting. I'm so glad we did it and on the other hand I'm glad everything is "joint" now.
