Karen, just my 2 cents but, my H and I had separate checking and savings accounts. Now as I look back, things were better between H and I when we combined into one. Kind of like "Acting as if" we were M instead of separate! I think it is a mistake to act as if you are two separate people. When H and I get back together, I will suggest we combine our money!
AS for your money problems, get a budget girl and stick to it. Or let someone else handle the money and give you an allowance every week.
