Joint account for everything that relates to family, e.g. rent, food, utilities etc. 1/3 of each our income goes into that account every month. We try to keep

Joint account for everything that relates to family, e.g. rent, food, utilities etc. 1/3 of each our income goes into that account every month. We try to keep within that budget, but if needed we pad out for extra expenses. Those times there is excess we go on a trip or have a nice dinner.