Sure, if you don’t have the money to cover the outgoings then no intelligent account features will help you but then I’d say you’re situation is quite unique being that you work with your wife the same company which also has a history of paying their workers late
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They didn’t have a history of paying late. Well, not until they outsourced the payroll. Was never paid late when I was the one responsible for the BACS transmission 
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“let’s welcome them to our community!”
Indeed
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+1 for feature parity between personal and joint accounts. I can ‘live’ for a short time without them but would like to know that they’re on the roadmap.
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+1 for joint account overdraft.
We currently use our normal bank joint account as our only account. Not a separate one. Everything goes in and out of the same account.
Can’t risk not having an overdraft so can’t switch until they allow it.
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Still no sign of joint overdrafts… disappointing 
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I had to cancel switching our joint account to Monzo because of the lack of overdrafts. Luckily I cancelled the switch early otherwise it could have been messy.
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Bad times 
Hopefully the committed spending pot that is coming 
will help you become less reliant on an overdraft and will allow you to reconsider
Can you share how that will work, sounds interesting
Yeah sure 
It’s a pot that all your direct debits come out of, so you can ring fence all of your bill money from your main balance. This in turn should stop unexpected bills coming out which will send you into your overdraft because you’ve already “budgeted” for them.
Here is the very lengthy topic but if you read from the announcement I’ve linked, you should be up to date:
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This seams like something that should have been implemented when they implemented personal overdrafts.
Disappointing… 
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If memory serves, personal overdrafts launched before joint accounts, so that wouldn’t have been possible.
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Yes it looks like joint accounts were implemented 4 months after overdraft. I would therefore think they would implement the overdraft when creating joint accounts.
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Why not just allow an overdraft facility and make money from it?
See point 4 in this article
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I don’t understand 
Are you saying that I should continually go into my overdraft month after month and use that to pay my bills?
I wanted a joint overdraft until monzo announced the Committed Spending/Bills Pot, this feature is much better.
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That was my thoughts too
Going into your overdraft is not good on any level. If a committed spending pot helps people to manage their money better and they don’t have to pay overdraft fees then surely that is the better solution?
Payments coming out for bills were the #1 reason I used to end up in my overdraft Might be different for others though 
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Aren’t they two different things though? Committed spending pot helps you manage money you have. Overdraft is a safety net to pay bills if you don’t have the funds to cover them.
I’m not suggesting anyone should permanently live in their overdraft, but I want something which won’t cause a bounced DD for my mortgage (for example) if my salary is delayed by a day or two.
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But that’s how some people get by at the moment. I know our joint spent a lot of time in the overdraft as we slowly dug our way out of it. Yes, overdrafts are bad to live in, but sometimes you don’t have a choice. It’s better to pay a small amount per month in the overdraft than get your info passed to debt collection agencies.
As @projectfortytwo said, Pots for payments are good if you have the money. Overdrafts are good if you don’t.