Our money is OUR money, not mine and his. This was clear from the moment we realised we want to be in a committed relationship and live together. W pays the bills because a) our internet bank thingy is in damn German and b) I hate doing it. I put him (us) on a budget, though.

We do have separate accounts for some things: I've one in Finland and W has a savings account I don't have access to because I can't see the point. And then we both have debit and credit cards linked to the 'big' account we use for most things.