Thanks dcop for the update. You raised an issue in your initial post that it is difficult to keep things separate in your marriage. Can you explain this a bit more. Obviously FB, you both can have separate names to log in under.
But the finances is something I would strongly recommend that you keep strictly separate. A MLC W can spend a great deal of money in a short period of time. Perhaps even before you are aware of it.
If your W is dependent on you for her spending, then you can transfer money to the family account for her expenses. But you should have a separate account which pays all of the major bills (house, car, etc.) Otherwise, you are in danger of her spending causing much greater danger for you and your children.