You have decided to get your finances on track, and you are tired of living paycheck to paycheck. You have decided that you will no longer spend money like to are a bazillionaire and you have been on the internet researching how to start a budget.
Separate accounts come up regularly if both people already have a job where paychecks are automatically deposited. At that point, each person may be responsible for their debt. Bills may be assigned individually.
Have a conversation about money fears as well as past money mistakes, beliefs, concerns, and goals. Break it down and chat about short term and long term financial goals.
It doesn’t have to be formal. You can go out for coffee or sit at home. You can be riding in the car or having dinner. Just open up the conversation to what your dreams of the future look like.