Re: Household
My hubby was to lazy to open an account, so his salary goes to my account. This way we both know exactually how much we are earing, so u may call it a joint account. Plus my account is almost free as I work for that bank.
We both have our own visa cards.
We pay half half, once we sat down and wrote our monthly expenses down.
So his leftover is transfered to a saving account in my bank, well I dont have any leftover 
I end up spending his money. He takes cares of holidays/plane tickets/pak shopping.
We do weekly grocery shopping together, take the money from the joint account, I also take an amount out monthly for myself. I try to stay in the limit, which is not allways possible.
Before marriage I was very fazool karch. Now thanks to my husband, I am a bit better I try to control myself, which u know ladies how hard it is. You need money for new hair cut, seen some new lipstick/makeup, I love real jewerly.
cloths ect…
Plus I pay my gym membership/university courses from my own account, so no saving from my part right now.