[simonbarker87]

We pay all of our salary in to a joint account. We then take back a small amount for our own spending that month. We put money for bills into one joint account, we leave money for our budgeted cash spending in the main joint account (groceries etc) we put money into some pots for mid length saving (car service, holiday/travel, annual insurances etc) and then the remainder goes into a mix of long term cash savings and long term investments. Takes me about 20 minutes on the last day of the month to make the relevant money movements.

The amount we keep back for ourselves is laughably small as we view our money as our joint money as we are building our life together. We don’t (and never have) earned the same amount, at times wildly different in fact.

We’ve done it like this for over 15 years and works for us.