When we got married, we added up our set monthly bills (rent, utilities, food, etc) and divided it in half. DH gives me money each month to cover the expenses plus a little extra for our joint savings. I am the one who physically pays all of the bills. If I left it up to him, they would be past due each month. We do not withdraw money from our joint savings account without consulting each other. That money is set aside for big household expenses (furniture, vacation, etc).
We don't argue about money because we each have our own personal savings/checking accounts. As long as DH covers his share of the bills, he is free to do what he wants with his own money. He feels the same way about my spending.