Thanks for all your responses, I have learned a lot about what other people do.  And I just have to say that I don't think he is doing anything crazy with the money, my post  might have made it seem like that, but he spends more money because he does have more bills than me.  He has a car, and I don't so he pays for that and then insurance and also usually the cable and electric bill which I try to pitch in when I remember.    That is also one of my points that I try to make to him, that if we had a joint account I would be helping him out with those bills more because we would both be paying for them.  But I would say that I think that porportionately (sp?), between our incomes
and bills, we probably have about the same but I try to save money and
he doesn't. Also, it kind of annoyed me that he got his stimulus check back and received money for our child since he claimed her on his taxes but when I asked for some of that money he didn't give me any but then pointed out the fact that he had bought our groceries that week and paid our bills.  I just think that he is scared I will nag him about what he is spending money on, but I think i would actually say things less often because if we each had a budget for fun stuff, then I couldn't say anything about what he used his money for, unless it was over budget.    Also, neither of us were really taught about money and how to save it, so this is all new to both of us and it might  just take him awhile to get used to the idea of our money and saving it for the future.

We kept seperate accounts until the day we got back from our honeymoon and then we set up a joint account and closed our other accounts.  I now have a seperate account that he does not have access to.  This was his idea.  He felt that I should have a place to keep my birthday money  and for the kid's birthday money.  Also so I can buy birthday gifts for him without him know what I am spending.  I personally feel that a marriage is joining two people into one and that whats yours is mine and mine is yours.  Therefore all money should be together.  I know people disagree with me on this, because it maybe sounds a little old fashioned. 

We have been basically together since the beginning.  We don't like to keep track of one checking account, let alone two.   We sit down once a week,  pay all the bills, and call it good til the next week rolls around.   Doing it that way lets us know how much "spending" money we have for the week.  This way we don't have to confer back and forth about, "if you pay for this, I'll get that."

But, I agree.  Somehow it's harder for us to save out of "our" money.   If you can do direct deposit, just have it put into that account right off the bat, then you don't have to remember to try to set anything aside.