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We intend to keep our money separate and so far we go over expenses every month and see what was spent on household.
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It doesn't matter how you handle it as long as you go over the monthly budget & if you have common goals, to pool the money together for it.....but it's important for BOTH to be involved unless there happens some problem & then it's important for the other one to be responsible enough to handle it on their own in a responsible way.
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She doesn't have her money as she doesn't work
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Doesn't matter, she should STILL be 50/50 involved with the monthly budget & expenses & not be maxing out credit cards.....if the money really isn't there to be spent.