My wife and I do something similar. We have our "Expenses" account that salaries go into. We have our "Offset" account that has our emergency fund in it and of

My wife and I do something similar. We have our "Expenses" account that salaries go into. We have our "Offset" account that has our emergency fund in it and offsets the interest for our mortgage. And finally we have a "Goals" account that we use to save up for big ticket items like a new car, holiday, or something. We take 10% of our respective incomes each into a personal, "off the books" account and we do whatever we like with that. Simple.