This is what we do....it may or may not help some of you with OH's with expensive hobbies!!
Firstly, we have a 'joint' account (actually just in my name, where we both pay an equal amount in each month to cover household bills etc. That way, there is shared money, and our own separate money.
OH has two motorbikes, both of which were relatively cheap to buy, but tend to become moneypits in the summer, and around MOT time. (I had one too, but left it for scrap in the south of France just before we TTC... sob!)
I have a car, my responsibility to maintain as OH doesn't currently drive.
When we found out we were pregnant, we started building a spreadsheet of all the things we would need to buy, and the likely cost of each. Once we had taken off the value of all our Christmas vouchers etc, we have an amount of money needed to raise to cover the rest of the initial expenses. That amount is a shared responsibility and OH knows this.
As we get closer to our due date, we will take the outstanding amount needed, and split it. We'll give ourselves a couple months worth of paydays to contribute our equal share.
The rest of OH's money, is his own. He can do what he likes with it, buy beer, bike bits, clothes, beer, more beer.... whatever. Same applies to mine although I'm mostly buying baby stuff just because I want to!
When baby arrives, I will stop work (redundancy probably) and we will be using his salary and some of my SMP to pay bills and exist. Neither of us will have much spare cash so I want to make sure we make the most of the last few months of financial freedom!
As for the driving like a fool..... OH knows that I will hide the keys of his sportsbike if I find out he's riding like an ass...and then he'll be stuck with the boring one. These men need to know that they have responsibilities to you and your baby now, and they are no help at all if they are seriously injured or 6 feet under!
Fingers crossed all of our naughty little boys grow up soon!!
x