I opened a checking account separate from the joint account I have with my husband. I get a monthly stipend that is mine to spend however I want--guilt free. When it's gone, I'm done until pay day. I have a debit card and my own credit card, but I stick to the amount I have in my account. This money is for things I want, but don't necessarily need. I don't use it for necessities. That comes from the joint account.