How do you organise your finances?

[aubergenie]

We?re a couple who recently had a baby. Until now, we?ve kept our finances reasonably separate and each paid for things so that overall spending has worked out fairly evenly. This isn?t a system we?ve particularly chosen, but we never got round to sorting out anything else and just kind of fell into it.

Now I?m on mat leave, my income has gone and it?s come as a bit of a shock to have no money, as I?ve always been financially independent. DP doesn?t have a problem with me spending his money (within reason!) but I don't like asking for it, which I know is ridiculous. But we?ve got no other system in place at the moment.

So, the time has come for us to sort ourselves out and get some kind of joint account, but how do people do it? Do you have a household account and each keep a stash for yourselves, or do you pool all your resources?

I?m interested to hear people?s views on this.

what's mine is mine
what's his is ours

Only joking DH is self employed and income can very greatly.I have regular income so everything goes into a joint current account to pay bills morgage etc. If anything left at end of month we transfer into a joint svings account. We dont have huge individual spendings as most spare cash is spent on DC's however l don't grudge him spending within reason and he is the same with me.
It works for us but l know it doesn't with others..