In your plan, do you each have individual accounts in addition to the shared account? We sort of go the opposite route, with individual accounts for discretion

In your plan, do you each have individual accounts in addition to the shared account? We sort of go the opposite route, with individual accounts for discretionary spending, and a separate account for paying the fixed costs, including the allowances to discretionary spending. We found that spending from a shared account required excessive coordination. It was easier for us to separate the responsibilities and manage our own budgets, like departments in a corporation.