Bank Accounts – When it comes to whether you want to maintain joint or individual bank accounts, every family is different. There are numerous options. You can maintain separate bank accounts and each pay a portion of your bills, deposit a set amount into a shared account each month and pay your bills using that account while maintaining separate accounts for your own expenditures, or pool all of your money in one account. If you decide to hold any of your accounts jointly, keep track of your transactions carefully and communicate about them to your spouse. With two individuals using one account, tracking cash flow can be difficult.