The reason we do it this way is just in case something goes wrong with the bank's system (e.g. internet banking), so we have another way to access money.
I keep a spreadsheet to manage joint expenses & my own (budget) & let DH know if he needs to transfer any extra to the joint account (e.g. if an unexpected expense arises) We also have a joint credit card to pay the bills, & pay it off each month from the joint account. This way, we earn some interest on the money (or will save interest on the mortgage once the offset is set up!) & don't pay any interest on the credit card (as long as it's paid off in full each month). It works for us
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