Completely mingled. Not very often. - Todd Hoff

We have three checking accounts -- mine, his, and ours. The Ours is joint expenses like our shared hobby, rent, utilities, groceries, and going-out money. We both contribute to that dependent on our current level of income. The rest of my salary goes into my personal account, which pays off my personal debt. It's working. We talk money every month when we sit down to pay the joint bills, or when something comes up that we need to discuss, like, say, "I think the clutch is going on my car." - Jenica

We also have three accounts. He puts money into the joint account for me to use for things like my hair appointments and my school loans since he earns most of the money now and I'm earning very little. We don't often discuss finances in detail, we talk about it more around tax time or when we have a bigger expense like travel or car repairs. - Kamilah Reed (K. Gill)

Jenica, almost all of our bills are on autopay, so there is no real "sit down to pay the bills" trigger. But I definitely think we should sit down and look at our Mint charts at least once a month. - Laura Norvig

What Todd said: completely commingled, and not very often. I handle all the financial stuff, so if I get hit by a bus, we're SOL. - Catherine Pellegrino

Justin likes checks. :) Also, I would note that like Kamilah, since J is a student/unemployed teacher, the joint account is currently fully paid for by yours truly. That will change, but not for a year or two. - Jenica

Completely mingled, not very often. Just like Todd - Surprisingly Monstrous

completely mingled. We generally don't sit down to discuss finances very often. He blindly trusts me to pay the bills and do the taxes. About the only thing we do talk about is any purchase over $200. - Nine Ferdinand

"Completely mingled, not very often" and most of our bills are on autopay - but we are going to talk this week since we got slammed by stuff Dec-Jan, and she is looking for a new job. - Yo. Shark Dog.

Not mingled ... almost never. - Shannon - GlassMistress

Completely mingled. Not often enough. Edit: I should amplify. We always know where we are with bills and loans. We always discuss large purchases. And we review our retirement account annually with our advisor. - MoTO #TeamMonique

up until 3 years ago we had completely separate checking accounts, then a little bit after that we had separate accounts and a joint account, then we moved to NC and went to one joint account. Now we have started using one credit card for ordinary expenses, but still have separate cards for minor things. We have doled out who pays for which bill, but we occasionally talk with each other and adjust who does what. So I would say almost once a week in some fashion or another. - Jason - The Opaque

Completely mingled (we had 3 accounts for, oh, three months). Not very often. We discuss overall finances once in a while, and any significant purchases and charitable donations. Constant bills (and 100% of credit cards) on autopay, a few variables not. Oddly enough, I handle the actual checkwriting and so on... - Walt Crawford

completely mingled. whenever something big comes up. as much as possible is on autopay, and i take care of anything else with checks. he also trusts me to keep everything paid. - Christa

Completely mingled, War Lady sets up the bill paying schedule, much is automatic debit. Major purchses and bigger Visa balances make us talk specifically about money. But we both are fairly aware of cash flow - WarLord

We have joint checking and savings accounts (since long before we were married) and then we each have our separate accounts, too. Our separate accounts we do whatever we want with, but if we're going to make a huge purchase out of our own account we usually discuss it (minus certain assumed things like my classes). Our shared expenses are generally on autopay and then we pay the bill out of our joint checking account (one of us puts money into it, we don't keep track but for most of the time I wasn't working, the bulk of my money was all in our joint savings). It's all kind of a wash, really. We don't keep track of who pays what, just that it gets paid. So I guess we're more mingled than not even though we have our own accounts. - joey

When you folks say "autopay" do yo mean you don't even go in and authorize the amounts? We pay the mortgage and car loans that way, but I have a phobia of utilities and credit card companies "pulling" what they need out of my account. Send me bill and I'll "push" it to you electonically. - MoTO #TeamMonique

In my case, autopay for fixed amounts means exactly that: Fully automatic. For variable amounts (water, gas/electric) I still pay by check. Most important: The credit card amounts come out of the checking account automatically. We don't pay them interest; they pay us 1% or more. - Walt Crawford

Everything is a joint account except for a few credit cards. - Elena

Completely separate - but he's got MS and we don't want his medical bills to affect my money. This way, if something goes very wrong, he may get hit, but I'll still have my money with which to support us. We split bills now so that we are roughly equal (not counting his medical bills and my support of my son...), but we don't combine incomes in any way, really. - WebGoddess

Everything is commingled with the exception of an inheritance I received and investments I've had since my teens. We have separate checking accounts, but both of us are named on each; we have separate credit cards in our own names. A few fixed bills are autopaid, but I'm with Barry in that I prefer to pay others electronically myself. I handle the finances with both of us meeting regularly with our financial advisor. We still don't discuss finances quite enough! - Anne Bouey

It's interesting how many of the household finance chores are handled by women. We are not as well represented on Wall Street, methinks. I wonder why that is? - Laura Norvig

I just handed it off to Justin last week and said "I suck at this. you do it." - Jenica

About twice a month we talk. - Bubba was a rollin stone

We have 1 account, 2 debit cards to the account, and one major credit card . I have a fun money card for myself. Both of our paychecks are direct deposit and if he needs anything he asks. If he uses his debit card, he tells me or gives me the receipts. I give him $20 now and then but he never spends it. LOL. Like others here have said, I pay all the bills, and for major things we discuss. Also, when Income Tax Refunds come in, he keeps his refund or we buy something for the house. He trusts me and knows I'll let him know if anything needs his attention. Working out for us for 10 years now. - Paulette

Almost completely mingled, auto-pay for most regular things (mortgage, utilities), discuss major purchases before the fact or any unusual pattern after the fact (mostly lamenting the costs of heating / cooling our relatively large house). Hasn't been a problem. - Tudor Bosman

(and yes, we auto-pay bills that cost the same or thereabouts each month, such as the mortgage and utilities, and pay credit card bills electronically -- I look over the statements each month to scan for obvious errors or unauthorized transactions) - Tudor Bosman

Because of my situation, I don't put my name on anything I don't want taken away. Long story that most of you can probably piece together. Anyhoo, we still share bank cards where needed, pretty much full disclosure if we wanted it. Mainly, we divided the bills and pay them out of our individual accounts. We don't really discuss the bills/finances unless one of us comes up short or we need to make a special purchase (gifts, emergencies, etc.). - Rahsheen?

we merged everything within a few months of getting married. that was in the 90s. we only discuss finances when there's a crisis or the potential for one...meaning every week. EDIT: also, autopay? DANGER OF ABUSE BY PAYEE. - Joe "Bad Guts" Silence

Never touch autopay except for Netflix cuz they offer no other option, apparently. - Rahsheen?

Such fear of autopay. Guess I'm too trusting. I always do it with the actual utility or insurance company whenever possible. I don't use my bank's bill pay service except for the rent check. - Laura Norvig

Regarding autopay, I only use it for things that I can pay to my/our single credit card (and I accrue points from it) and then I pay that bill in full every month. I don't trust anything hitting my bank account (mostly because of my own tracking...I don't use a budgeting app or anything, I just check my balance compulsively). I really should get my financial act together. - joey

Josh is the sole income earner, and what's his is ours. He keeps a pretty tight spreadsheet budget. We have sub-accounts where we put money for various bills, so when they come in the money is already there. We each get $75/fortnight "allowance". Anything leftover goes into savings. Everything is in both our names, except for a personal credit card we each have that we had pre-marriage, and I also still have a solo savings account where he deposits my "allowance". Josh generally does all the budgeting and tracking as numbers are more his thing, but he keeps me appraised of where we're at. - Headless Gnad Kicker

We were completely merged. It more or less worked for us at the time, but it's a pain now. - Pixie

what Catherine said. Am trying to gather accounts, passwords together though, in case said bus takes me out. - Jen from BuddyFeed