We have separate finances, separate bedroom for all of us ( it's huge house ) We have our own Christmas in the mornings just us then with the parents later in the day and we do birthday stuff as normal or like everyone else. We just don't have utilities in our name because we don't need to as it's not our house. Our cell phones are on their plan because they get a killer deal that saves us way to much money to get our own. Me and My fiancé have a joint account that we pay from though.
