Featured Image When my husband and I were first married we had to make our first, critical decision as a married couple: Should we keep joint or individual checking accounts? My husband was advocating for joint accounts, you know, “What’s mine is yours and what’s yours is mine.” I had other ideas. Like any good daughter, I decided to consult my mother on this dilemma. She and my father have been happily married for 45 years, operating from individual checking accounts for that entire time. Even now, with my dad retired, they still split up the bills and my Dad gives my Mom an “IOU” each month. It’s really cute. Anyway, I took my mother’s advice and opened separate accounts for both of us. The only compromise that I made was to create a third “HOUSE” account where we dump the majority of our collective funds to pay the big bills…mortgage, utilities, Wawa runs. You know, the important stuff. Here’s the logic: We each have a small allowance that goes to our individual accounts on payday to use for whatever we want. Financial freedom! No need to ask the other if we want to go out and buy shoes or computer parts. It works for us. Five years down, a lifetime to go. Audra F. Hi, I’m Audra! I’m a marketing specialist here at VACU. I joined VACU right out of college at VCU 5 years ago. In that time, I got engaged, married my college sweetheart and had two babies; a girl and a boy. I’ve learned a lot about finances working at the credit union, but even more from navigating these life changes. So I’m excited to share my personal financial journey with you and what I’m learning along the way. Other stories by Audra F.