1.
Set
aside a regular time each month to discuss money issues (your budget,
planned expenses, debt-reduction plans). By
having
a
regular
meeting,
you’ll spend less time overall and may avoid
problems since you’ve set aside time to work together.
2.
Talk
regularly about ways to manage your money more effectively.
3.
Use a
team approach. Respect each other’s
differences, and work toward decisions both of you agree with.
4.
Keep
each other up to date on all personal assets and debts.
5.
Discuss
and come to agreements about how to use any extra money (such as tax
refunds).
6.
Write
short and long-range financial goals together.
7.
As you
set financial goals, remember to be realistic, specific, and flexible.
8. Remember to use positive communication skills when discussing money. Avoid language that will put your spouse on the defensive, such as criticizing, ridiculing, or demanding.