separate accounts - we dont count who spends what on what , just every 3 months she transfers me the amount equal to half of housing costs because i pay bills since apartment belongs to me . its almost instant because i track it in excell anyway .
similiar with vacation costs - when we return we divide the cost we spend on hotels/travel
works out very healthy in long run for us
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not everyone feels need to get married. if you feel good with each other there is 0 reason for marriage. especially with how messy divorces are nowadays.