Each have our own accounts, we have a bills and mortgage account that all the bills and mortgage come out. We split it right down the middle and pay in equally. We take it in turns to do the food shopping.
If we go away we split it, but in an odd way, if its to do with her friends, I drive, she pays for accommodation ad I buy the meals out. If its with my friends, she drives, I buy the accommodation and she buys the food.
If its a big holiday we split it down the middle.
She buys all presents for her side of the family
I buy for my side
We choose the kids presents together and split down the middle
I wouldn't want full joint account as I'm worried about accidentally spending her money. Once the bills are paid what's left is like my monthly spending money. If you added my Wife's wages, I'd just spend more.
I am sensible enough that I set up monthly payments to multiple savings accounts s well, so I am also saving as well.