My wife and I both REALLY suck at budgeting, and we're in the process of changing how we do things, but it's still all from the same joint account. We also have 2 savings accounts, one to not be touched other than emergencies, the other is linked to the checking account for a cushion, and bigger purchases. My wife is really good at planning, and with that will get things paid on time. I'm better than her with math and spreadsheets, so I that's what I do, and together we are figuring out how much needs to be in the account at certain times to pay bills. More accurately, we are using a spreadsheet for a checking account register, and we'll be taking out 1/4 of the larger monthly bills out of that each week, so that we will know what we CAN spend, instead of just thinking that we have enough, and ending up NOT having enough. Once we get back on top of things, we will be doing more auto pays, etc...