[dagw]

Separate accounts, with a joint accounts that we deposit money into each month for bills, mortgage payment etc. Day to day spending like groceries etc. we each spend our 'own' money and just eyeball it so that we roughly do the same amount of food shopping, fill up the car every other time etc. Larger one-off expenses we split on a case by case basis. We both have our own savings, investments and pensions saving etc, that we manage separately.

We have occasionally talked about having more joint finances, but we've been doing like this for 20 years now, and for us it is by far the simplest solution.