[SeatClutcher]

Joint checking for bills and stuff

Separate savings so we can buy an apple without having to let the other know we bought an apple, or so we can just play and have fun, without dipping into the joint "responsibility" money.

It's nice to have the independent stash - it doesn't mean it's a secret, it means we just have our own stashes. Makes it easier to buy presents for one another, too, because we don't see the register.

(edited to say "our" instead of "your" - meant to give an example of what works for us, not tell you what should work for you)