How do you divide your expenses having two different bank accounts? my husband and I want to have two joint bank accounts to use. Would like some ideas. He's more of a bad spender too when he wants to be. So am I but I have more control lol, any tips? I want us to have joint accounts just because it makes it so much easier when making payments as well as just spending when going out. Spending money is not an issue for us as long as rent and bills get paid. But I also like to keep extra money on side. Would like to hear any tips in what has helped you save money. Individual accounts not an option for us FIY.