We have our money, his money, my money and the kid's money .
Mortgage, bills, kid's savings, our savings, petrol and food come out of joint account.
DH keeps back around a quarter of his salary and 'controls' how it is spent. Sometimes he spends it on boozy football nights out for the lads or expensive Japanese trainers , but often he spends it on taking me out or just adds it into our savings account.
I have a small amount of money coming to me from an investment (SAHM) and that is mine, all mine! I spend it on clothes or nights out, and save a small amount each month.
We also don't really discuss our 'separate' money but it
isn't a secret, like what you said, Stripey. If money is ever tight (which some months it is, because DH is self employed and is flush one month and has to be cautious the next) we will both use 'our' money to pay for essentials in a flash, no questions asked, so it all evens out in the end.
I would hate to have NO money that was mine.