and use this for daily expenditures instead of cards you spend about 30 more when using credit cardsagree on realistic money goals for the coming month and also for the long term if you dont talk about money goals one person will be splashing the cash while the other will be trying to save and this will cause arguments if your partner slips up dont start a row whats important is to acknowledge the spending mistake work out why it happened and move onmistake 4 no emergency planningexperts also recommend planning in advance couples avoid planning for emergencies because they think its being pessimistic but what if you lost your job or became ill and couldnt work you need to plan for a rainy daywhat to do sit down with your bank statements imagine that one of you has lost their job then look at your outgoings how much money a month do you really need to live on do you and your partner have enough savings to cover this amount and for how long set up a separate savings account such as a mutual fund or sip and treat the outgoing as an essential put aside as much as you can afford at first to build up three months outgoings then drop the amount to a realistic monthly sumif you receive any unexpected cash remember to put some into your savingsif youre lucky enough to receive a pay raise increase your monthly savings amount