How do we deal with finances after marriage?

He’s incredibly frugal, and I’m just not. We have been married for less than a year and haven’t combined monies yet. Separate bank accounts, splitting bills and expenses down the middle, etc. We both know it’s time to sit down and figure this all out (as it has been the ONLY cause of arguments in our relationship.) But where do we begin? It’s important to note that neither of us are heavy spenders, we have very little debt and are happy with very little. But still, he will pick up a penny from the street to add it to his account, while I’ll (without remorse) spend my last 5$ on a bag of fancy pants organic exotic fruit.

Just wondering what has/ hasn’t worked for you seasoned couples out there? Where should this conversation start?