My DH would be the one to talk to about this - he is FANTASTIC with money!!!!

Bascially we have a VLOC - so everything goes in that (u have to be very careful with it and strict)- we also have a credit card in which we pay for everything on and at the end of the month we pay it off completly so we dont have to pay interest or anything - and the points we get from our credit card we use to pay the yearly fee or whatever it is for the card - so really our card costs us nothing!
Also we have $50 each a fortnight spending money just for the little things like if he is at work and wants to buy a drink or a chocolate etc.... and i use mine for when i go out to coffee with BB ladies!

Also when the bills come in we always round them up - so its a little less next time!