I have my own bank account that only I have access to. I take all money out of my bank and put in my husbands bank account and only leave myself $175 one time a month then $50 twice a month and $25 once a month. that works out for me because even when I blow through the $174 I still have more money coming later so I wont be broke all month. Also if we were ever to split I still have the money that is direct deposited into my account every month. I do not have access to our family bank accounts because that is money for bills, gas, food etc and we cant afford for me to blow through that money. Of course, I have $1490 in my bank account right now and its going to take all the strength I have to withdraw that money and give it to my husband... eek