We each put 60% of our salaries into a joint account, leaving the rest for our play money. Joint account is for everything that we do together, run together (i.e. our shared car), joint savings, mortgage and meals out together. Play money is for stuff we do separately, clothes and stuff like that. If we run out of money in the joint account (rare, we are both reasonably well paid) then we each top up from our play money accounts.