<prompt> Human: I am getting married in 2014 and I am thinking about how our finances will look as a couple. I want to know what works for people and how they manage it. I am curious about each of the following subjects and more:Bank accounts - what accounts do you have up? Do you have different accounts for mortgage, groceries, bills, household expenses, emergency funds, etc.?Credit cards - Do you have a joint credit card? If you have the different bank accounts, how do you pay off a credit card if it has several different expense buckets?Saving - How do you save actively? College Savings - Do you use a 529 plan? How do you fund this?Any other tips or tricks?Life Insurance - do you have it? Term or whole? Why?  <response>: What works for us is to just view everything as combined. We have 1 joint checking account and several joint savings accounts. We each have our own credit cards but we never use them unless we are buying gifts for each other that we want to keep secret, we mainly just use our joint credit card to pay all the bills and collect all the delicious credit card points no debt, balance paid in full each month. The several savings accounts that we have are divided among - emergency fund, vacation, car savings for a new car and any maintenance needed on current vehicles, christmasgifts fund, and irregular bills fund for things like car insurance. We also each have our own pot of fun money which is just no questions asked spending money. When the credit card bill comes most of the time its just paid 100 from the joint account but if someone used fun account money then we just keep track of that with mint to figure out what comes from where.We save by doing automatic transfers on payday. 