Bit of both
We have out wages paid into our own accounts, and also have a joint account into which we both pay the same amount every month out of our own accounts. The joint account pays for mortgage, food, &c. with some left over for holiday savings.

If I wanted to spunk a wad of cash on a new toy, I might have to justify it a bit, but wouldn't get much argument.
(thefuckestuppest cheapened this, on, Wed 6 Jan 2010, 13:06, 4 replies)

same
Wages get paid into our own accounts, and we both transfer the same amount into a joint account which has direct debits set up for rent, bils etc. Any left over in the joint account at the end of the month goes on joint purchases, meals out together etc, and money in our personal accounts is totally for our own use.

I wouldn't dream of having a go at Mr no way hose for buying expensive stuff with his own money, it's his business! And the same with me if I want to spunk MY cash up the wall on shoes, I wouldn't expect to have to justify it to anyone as long as the bills are getting paid.
(no way hose is staring unemployment in the face on, Wed 6 Jan 2010, 13:33, closed)

Similar
We each have our own current and savings accounts. The joint account is for rent and bills, which we pay into equally as needed. We get the food shopping in with our own cash, tot up how much we've spent at the end of each month and whoever's paid less settles up.
(lolwhites, Wed 6 Jan 2010, 15:13, closed)

Exacctly the same method as Mr Bez and I
except our mortgage shrank so we actually managed to pay for our wedding and save a bit last year. Don't know how long this "saving" business can go on for though I need an holiday!
(Bezmina, Wed 6 Jan 2010, 15:19, closed)

same here
Joint account for bills, both pay in an equal amount. Only we don't pay for takeaways out of the joint account but just take it in turns to shout for it.

As long as the bills are paid, we spend our own cash on whatever we want, no justification needed (although I am prone to the odd tut at yet another RC car part!).
( fluffymitten NAN, Wed 6 Jan 2010, 17:33, closed)