Logic would say that if something is frustrating you on a monthly basis (RE: having to communicate about bills) then separating finances would be best. Why keep a continued source of frustration in your life when there is a simple fix?
W: I have decided to maintain my own finances starting Jan 1, 2010. Attached please find a spreadsheet of the necessary information you and I both need to split the finances/bills for individual payment as well as estimated projections of child related expenses. I have removed your name from the family cell plan and auto insurance as of (insert date here).
Think about what you are projecting... on one hand you say the bills are a source of monthly frustration yet on the other hand you say you don't mind being frustrated because to you, it keeps you attached to your W in some way.
