My partner and I recently set up a joint account that was supposed to be our only account and it was an absolute nightmare transferring all our money and direct debits. My advice is to keep your separate accounts during the transition period.
Nope, I'd prefer my own account. It keeps me accountable for my own finances. Joint accounts are good when sharing household expenses, yet if one partner overspends, and the other is more cautious; things can go awry real quick. This is detrimental to an otherwise open, healthy relationship.
I feel that joint accounts can lead to much woe later down the track. Having seperate bank accounts ensures that each partner has control over their individual finances and contributes towards domestic harmony.
I think having one separate and one joint account is ideal. The joint account should provide for household needs (pay the mortgage, groceries, childcare expenses etc.) and separate accounts should be used for personal needs (car/fuel costs, clothes shopping, gifts, etc.)
I am totally against this. Money problems are one of the biggest reasons why marraiges fail. I'd much rather be in control of the money I earn so I can do as I wish with it, then you won't have the built up conflict.