Nope. Well I guess the only thing that we really keep seperate is our cell phones. But that is just because we are both in the middle of contracts. But other than that we view things as 'our' expenses. And 'our' money.
It's together. We share everything, especially our finances. It makes us a unit, a team undivided. We both work towards the same financial goals of paying off all school loans as fast as possible and get us clear of any debt. If we had two different accounts, it would be a struggle.
Yes, we do keep somewhat separate finances (even though I've been a SAHM for 3 years now, lol). It has absolutely nothing to do with not being completely joined and in this together, sharing all assets (and honestly people who have to "prove" their union like that make me wonder...I have no doubts about people with joint finances just people who have to make a big deal about it)
Why? Because I'm really, really good with managing money and my husband isn't. He will make sure he sets back enough to pay bills and then spends until he's broke. That stresses me out, I have to have a savings as a cushion for emergencies/unexpected stuff (he thinks a couple hundred extra bucks is a savings), so it's just what we agree is smarter for me to manage the bulk of our income and to have separate accounts.
We keep completely separate finances. We've never combined accounts, credit cards, nothing....even our home is solely in my name. My family's accountants and estate planners absolutely forbid me from combining, and we are fine with that. I don't want him to scrutinize my purchases any more than he would want me to do his.
We have a joint account that we opened just so I could be added to his health insurance. I have been a SAHM since DS was born and I am just now heading back to work part time since we are expecting #2.
I think we will keep the joint account and we will each put $XXX amount in each month to cover bills, once I have a full time job, and then we will have our own accounts that we can use for our needs. We will still discuss wants with each other before making large purchases.
I plan on putting at least $25 per month in each childs account as well.