How to successfully blend finances after marriage?

My husband and I have been married almost 3 years now. We still have not been able to successfully blend finances to where we are both comfortable. I would like some suggestions from couples that have been able to effectively merge their finances.





Thank you for the help!





How to successfully blend finances after marriage?
10% - Tithing (church and local charities)


25-35% - mortgage


5-15%Utilities


We have set amount of ';blow money'; every time someone gets paid so that we have our own spending money.


Take care of all expenses like Food, Gas, Club dues, or anything else with remaining money.


What ever is left over goes into savings account. There are college savings account, our savings, and an emergency fund if it needs to be replenished. Retirement accounts are taken care of before we even get a paycheck (automatic).


We have a budget meeting once a month. At first they were time consuming but we are experts now and they take about 15 minutes or less.How to successfully blend finances after marriage?
I think you can start off with one joint- for bills and shared items; then you and your husband should get your own individual checking accounts for your own personal use. Or do one joint, then two individual savings accounts.
maintain your separate accounts but open a joint account that you both contribute to equally