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His and hers accounts, with his and hers bills for us. We swap money around all the time; but balancing a shared account is more grief than it is worth for us.
While we are far from affluent, we aren't really having money issues, either. We discuss larger purchases; but honestly there are few things that both of us disagree enough to argue about. I have no idea why a new washer and dryer would cost $3000, but I really don't care enough to call her on it. I'm sure she feels the same way about the new exhaust on my motorcycle.
The only deal we have is no loans or large balances on credit cards without discussion. As long as it's cash, it isn't "cheating".
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