We have 2 banks, but that's just because his work doesn't have direct deposit, and the bank that my direct deposit is already going into wasn't convenient. Both accounts are "our money" and I pay bills from whichever one happens to have the most money in it at the time. I keep track of how much we have in both banks at all times, and how much we're going to owe in the next few months for bills and expenses. We set some back for emergencies and the rest is our spending money. We don't worry about divvying it up, we both think the "allowance" thing is silly. Neither one of us spends much on anything outrageous.
The most expensive "impulse buys" we've had the whole time we've been married is his gym contract and my season tickets for the Broadway series at Blumenthal. (And, to be fair, I've been dying to see Wicked again, and the only way to get tickets is to get the season tickets...by the time they go on sale for single seats they are going to be LONG sold out).
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