FI and I have two joint accounts and our own individual accounts. One of the joint accounts is for buying our house and bills (cable, cell phone, water, sewage, etc). The other joint is for our wedding. We contribute to both every month. Our seperate accounts are for whatever other purchases we do like dining, shopping, vacations, etc. Once the wedding is all paid for and if there's any left in there, we will close that account and combine the rest with our other joint for house stuff.