<prompt> Human: So, my wife and I are doing ok financially. We make enough to easily cover our bills, are within 3 months of having all revolving accounts other than cars paid off. However, we need to start saving a significant amount of our incomes towards a future down payment. Once issue we have is we both are a bit spendy. Not too bad, but I think we can both make cuts. My potential solution is to have X drafted out of paychecks into individual spending accounts. That way, theres no fighting over buying things, whatever is in the individual debit account is there for us to spend on ourselves, whatever we want. Has anyone tried this an approach to budgetingspending with spouses?  <response>: The way my wife and I do it is we have an specified amount withdrawn from each paycheck that goes right in our savings. We also decide that we have to match each others contribution. We are competitive and spendy so it works out well when we have auto withdraws and constantly competing with our random contributions. Managed to save quite a bit in only 6 months lol. 