Me and Mrs always had separate accounts . We're not married but been together 20 years with 2 kids . Never had arguments about who pays for what really it's just sort of worked . I pay the rent and other bits , she does the water , electric, food . If one is short just asks the other for some money etc and neither of us care. It's helped that neither of us have big spending hobbies etc and everything just goes on the kids and life so neither of us feel the other is taking the piss buying expensive golf clubs or spending hundreds at the Spa
Both kids in football costs a absolute fortune