Coleen says

IF YOU’RE both paying towards the mortgage and both your names are on the paperwork, then you are committed.

It doesn’t matter whether it comes from one account or two. I know loads of people, who’ve been married for years or in long-term partnerships, who want to keep separate bank accounts and don’t want everything to be joint, so I wouldn’t analyse it too much in terms of your relationship.

However, the thing I’d be more worried about is not knowing what the other person earns or what savings they have and so on – it’s important to be transparent about your finances.

So, I think the only reason to be worried and ask questions is if your partner is hiding things from you. If you don’t feel you know the whole picture, ask him.