In my opinion Steph, I would continue to act "as-if" you two will eventually get back together again and hold off such changes until it becomes more evident it is not going to work out.
Through out our M, W & I always pooled our finances into a single joint savings and checking accounts. When I came home from work in Feb to a note saying she left me, I went to the bank the very next morning, not knowing what her intentions were, to transfer our life savings into an individual account. While she moved back in a week later, it stuck in her like a thorn in her side that I had done that for several months after that. When she annouced in the spring her intent to move out again, and despite outside advise to the contrary, I still continued to keep our checking joint to avoid drive more of a wedge between us and waited to see what she would do, but I did monitor the account balances on a daily basis by internet. Only when I discovered on the very day she created seperate accounts for herself and transfered funds from our joint account to hers, did I then take action to close the joint accounts. This however infuriated her to the point of not speaking to me. I was then expecting D papers to be served to me at any time. Still we overcame all that but now we are still inconvienced by not having the total accessibility to our finanaces we once had.
