Always try to plan and discuss money matters during a relaxed time at home. Many times couples bring up money matters on a whim, which usually blind sides the other.

You should start the conversation with a complement that’s deserving and true. For example, you could say “before we discuss this, I would like to say you’re doing a great job balancing the check book”

This is a lifesaver, always use plural words like “we” or “our” when referring to finances. Using words like these places the discussion or blame on the two of you.

Whichever partner is talking, be sure not to interrupt them while they’re stating theri case to you. Even if you totally disagree with their comments. After they are done, you should acknowledge their comments, and state your case.

Last, but not least is always reward yourselves for the financial progress or goals you two have made and accomplished. Go to a nice restaurant, or just spend the night out of town and enjoy each other’s company.