You open 4 bank accounts 1,is the salary account which is led by both of u(means it needs both ur signatures to withdrew money) which u both will agree how much of u both will put in it monthly & it will be used for the major things in life 2,is the saving account which is the same as the first one led by both of you and this too u will agree how much u will put in monthly 3&4, u both need ur separate account which u wont need any of ur both permissions to take out money and do any thing