Talk about money and avoid creating a conflict.
1. Choose the right time. Did you have a bad day at work? Resist the temptation to blame your partner for that $ 200 in music downloads credit card. Instead, the matter is when you are calm and focused. If you think there are moments of calm, do a "quote of money" to talk about it.
2. Set a time. "I always tell couples to keep the talks in 17 minutes," says Dave Ramsey, author of The Total Money Makeover. The specific time the attention of the couple and is more likely to adhere to the limit. Put aside differences and be constructive, rather than begin a series of charges unrelated to the subject matter.
3. Do not criticize. Better is this strategy describes the personal impact of a problem. "I'm worried about our retirement." Then raise your desire. "I love to know if we're saving enough."
4. Try a single issue. The talk will be less fraught if limited to a matter, such as limiting withdrawals from the credit card or separate an amount for savings every month. It is a good tactic to start with small matters and continue with larger weight.
5. Talk about your past. You can learn much from the perception of your partner's money exchanging stories about your upbringing. Who paid the bills or how your family was debt. The attitude of both the money can help set common goals.
