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heres how to protect your money and relationship if one of you is a saver and the other is a spender the secret to successfully joining forces is to also keep things separate let me explain a joint bank accounts can be a great way for couples to take the stress out of organizing finances theres simply a current account in both your names and could avoid arguments about who pays what each month but how can you avoid that dreaded realization that you or your partner spent the gas bill money on that boozy nice out the trick is to dedicate the joint account to household bills only and agree what these are you can set up standing orders into the accounts youre both automatically topping it up and then direct debits can go out of that account so your bills are getting paid this will help ease the hassle and keep it separate to everyday spending this leads to tip number two use your own individual accounts for personal spending and only take the cards to those accounts with your nights ou