Joint accounts are essential so that you can go on paying essential,utility bills etc after a bereavement. Direct debits take care of the rest of it, but I suggest you go,through some bank statements to familiarise yourself with what is being paid when and to whom.
After a bereavement is NIT the time to be clueless.
I used different coloured highlighter pens for direct debits which would stay in place (energy etc), any which would change (Denplan, council tax, life assurance etc) and those which I subsequently cancelled, such as subscriptions, professional association memberships and so on.
I did a tally of monthly outgoings, compared it to a revised tally of money IN and knew where I was, giving me some peace of mind.
It could have been a nightmare but in fact wasn’t thanks to a helpful bank and clear filing by Paw at least up to about a year ago.