They say opposites attract, that’s probably a main reason why people who love to spend find themselves with people who love to save, or vice versa.

It is hard to stray from old habits, so it’s a good idea to sit down and agree to a some limits. How much of your income will go toward entertainment? How much will be spent on extras, like new clothes, and how much do you have to put aside for housing, transportation, savings and debt repayment? Make sure you are dividing up take-home pay, not salary, otherwise, you are setting yourselves up to fall short. Once you have agreed on a financial plan, stick with it.

When interest rates are low you might want to buy yourself a home. Maybe you already have a home and you could use a vacation. Or a year from now you want to be debt-free, or pay for your kids to go to school or go back to school yourself. Put together a budget plan so you know what is coming your way, and how you will pay the bill.

Remember, also, that there are some unpredictable things in life such as layoffs, serious car maintenance, and medical bills. Having an emergency fun can help you out if anything like this occurs suddenly. Put at least three to six months worth of living expenses together in a savings or money market account so you can have it just in case.

One thing you don’t want to do is have to micromanage each others monetary expenses. That can lead to disaster. But keeping each other informed of major expenditures easily takes away issues like bounced checks or fees from credit cards.

It is up to you to define major, but a lot of couples use $100-$500 as the threshold. In other words, if you want to get a coffee, go for it. If your thinking of buying a new flat screen t.v, it is probably a good idea to call up your spouse first.

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