
@ Sam
We used to have a joint account, had a silly over draft which we kept going into, we also had our own bank accounts from before we were married/lived together so closed the joint one, paid off the over draft in full and carried on using our old ones that had no over draft at all in order to help get control of our finances again because we were spending more than we were taking in each month.
Having 2 seperate accounts also help us manage our money easier, I find. One of the directors at our company has 3 accounts, 1 for fuel & car related bills (Alfa owner), 1 for other bills, 1 for food. He gave me the idea of doing this and it works
well for us. Or so I thought, might have to stop giving her so much of my money

Not a bad balance for an stay at home mum
Chris, I told her to get rid of the store cards and even had to cut them up because she couldn't bring herself to do it when we first started sorting our sh!t out