well i have my account and dh has his account i have my money he has his,this is because i chose not to waste money and dh wastes his on crap instead of paying his bills he his behind in a few thing like his fine 960 and tax and his car 1100 due now and run up 400 phone bills and always used to waste money and not make his car payment etc......he is like a child with money and i cant afford for the family to go without nor will i get bad credit because of him wasting money,he is currently not working so were living of my payments mostly but usually i would pay half the rent,food,foxtel,daycare and then pay my phone,my car my insurance and whatever kids things like school and uniforms we halve...i dont think it has anything to do with commitment ppl do things in ways that work for them we are expecting #4 doesnt mean he will magically grow up and become responsible with money,i am the budgeting and automatic bank pay type of person and he is the if i pay it next week i can still spend this extra now,same as we know who will get what if we seperate as to who buys it because i end up buying everything like furniture and stuff coz he tends to not be able to save

this is what works for us when he is more mature and able to discuss purchases with me before making them and ot waste money then we will have a joint but right now were not at that place