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Step 1
Develop a financial plan. You should sit down with your spouse and create a financial plan that includes employment wages, other sources of income and checking and savings accounts. Determine whether you will have any separate accounts or whether everything will be joint. Outline your short- and long-term goals, such as purchasing a home.
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Step 2
Create a monthly budget. Be sure to include all payments such as rent or mortgage, utility bills, car payments and loan payments. Don't forget to include insurance policy premiums, burial plot payments, credit card payments or other bills. Be certain to take into consideration costs for food, transportation and household items. Balance your income against your expenses and budget accordingly.
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Step 3
Create separate savings accounts. For example, set up a vacation fund, rainy day fund or emergency fund. Setting up small additional accounts can keep you from going over your budget or dipping into your long-term savings.
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Step 4
Spend responsibly. Don't go shopping just because you can. If you get a bonus at work or some extra money comes to you in the way of a small windfall, you don't have to go spend it all. If you want to buy something put a portion of the money aside. Learn how to spend wisely.
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Step 5
Consult your spouse before making any major purchases. For instance, don't go out and buy a boat without consulting with your spouse first. Both of you should have a say in financial decisions and major purchases.
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Step 6
Consult a financial advisor if you are seriously in debt and constantly bickering over finances. A debt consultant can analyze your situation, help you find solutions and get your finances, as well as your marriage, back on track.
