We do the same as Nai - both our wages go into the joint which we use to pay mortgage, bills, groceries etc. etc. but we have the same amount of pocket money that goes into separate personal accounts to spend as we wish, no questions asked.

But I have told DP that if he spends all his pocket money, too bad, I won't be his buffer. He got into the habit of asking me for $20 close to pay day. I'd often give it to him and would end up with no money for lunch myself because our pay days are the same.