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When Lurkette and I joined lives, we joined money. Not that there was much to join at the time.... We were about three weeks out of college and didn't have jobs yet.
We've always had joint checking, savings, and credit cards. We communicate pretty well about money, so it's really not been much of an issue.
Lately I've gotten involved in some projects that take some money, and we concluded that it was unfair to draw on common funds for that. So we each opened individual checking accounts, and we get an allowance of $200/month from our joint account. That way I've got "my" money and she's got "hers", which is at our discretion to spend however we want. Groceries and bills still come out of the joint account.
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