Right now, I do have my own account. Our paychecks are deposited into our respective personal accounts, and we would transfer over all of our joint expenses (rent, food, gas, utilities, car payment) into the joint account, and have a little personal money for stuff like DVD's and whatever. We were just starting to combine finances more, too. @_@
As for my GAL - I'm really searching for another job that'll get me the cash I need to make my expenses, but not make me work 12 hour days. Especailly if it's in education. That'd rock.
I'm going to try and show her through my actions that I've changed. But I also think I might have to end up talking to her about her will to work on the relationship breaking, and let her know that while I understand it's scary, I think we can make it.