Can you hear it? 

Your spouse is screaming at the top of their lungs

in frustration because you owe more this month

than you have money coming in? 

It's happening every month and it's sinking the ship!

Lack of Communication: Talk about everything!  In order to get along with your spouse, you must uncover what you need most from each other and what you expect from each other.  If you have different spending habits, your marriage is a car crash waiting to happen.  Take the TIME to figure it out and more than likely, it's going to take some work.

   Cut the Hard Feelings Now:  Who's going to be the main bread winner and who's going to take care of meals, washing, cleaning, and raising the kids?  Is one job more important than the other?  Will you both contribute to income and household?  Create a Spending Plan and stick to it.  Be fair.

   Talk about your Spending Habits:  Do one of you need the latest and greatest to feel satisfied?  Are one of you the coupon queen (or king) ...