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Marriage: Together or Separate?
There are still some areas of your life in which you may want to act separately.

Taxes
Now that you're a couple, you can team up with your spouse or partner to reduce taxes by contributing to spousal RRSP plans. Basically, the higher-income partner contributes to the spouse's RRSP to reduce their taxable income. When the funds are withdrawn, they will be taxed at the lower rate of the recipient's plan.

Bank accounts
You'll have to decide how much financial autonomy you want to have in your new married state. One option is to keep separate bank accounts and divide the bills you have to pay. That will offer each of you some spending money to use freely. Another option is to put all of your income into one "bill-paying" account out of which all your common bills are drawn. You can go on to allocate individual spending money each month from that account, or you can just keep separate accounts for any money over and above that required for your common expenses.

If you decide to hold any of your accounts jointly, be sure to keep track of your transactions carefully and to communicate them to your spouse. With two individuals using one account, staying on top of cash flow can be a challenge.

Credit cards
You should each keep at least one credit card in your own name, to maintain a credit history of your own. If you divorce, or one of you dies, it will be much easier to get a mortgage, loan or credit card with a history of some individual credit activity.

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