<prompt> Human: Title says it all. Basically, my husband and I have a joint account for everything and all payments come out of a shared money pool. We are getting serious about budgeting and determined that 900 per month is reasonable for us to share as fun money, so 450 per person per month.However, how do you track how much you are spending in a shared-income household? Does each person keep tabs on their own spending and stop accordingly when they reach their limit? What about things like date nights or concert tickets where you pay for a shared experience jointly? Do you discuss every purchase with your SO, or is there a dollar limit under which you dont mention it? What if one of you wants to purchase something above your monthly limit, do you borrow from your partner or save up? How do you save fun money separately from a joint savings account?We live in a semi-high-crime area and so carrying cash is not something were interested in. Thank you for taking the time to read and hopefully respond!Assistant: Open other accounts and transfer that much in each month...Pretty simple solution, really.Human: I guess what Im saying is we have one checking account from which all bills come, including things like groceries that we pay with a debit card.Wed continue to use this account for personal spending money as well and use the same debit cards. Transferring spending money out of this joint account would require a separate debit card, or else using our existing card would take the money out of the main joint account. Is this correct, and does that make sense?  <response>: Yes.You either track your spending by transaction, use cash, or make a separate account to look at a total.There arent really other options. 