After saying “I do,” you might think the average married couple agrees about when and why to make money moves. However, couples who incur problems navigating bills, savings, and credit may need an intervention. Money mistakes are common in marriage and can be fixed before planning a trip to divorce court.

Refusing to Ever Commit to a Reasonable Budget

Being able to agree on a budget for monthly expenses, and fairly divvying up how much each spouse is responsible for paying can reduce pressure about regular spending. If one spouse is a saver and one spouse is a spender, sticking to a budget helps regulate both the income and the outcome.

Never Setting Boundaries on a Joint Account

If you agree with the saying about how “opposites attract,” it shouldn’t be a surprise that spouses can have conflicting ideas about the value of money, right? Setting clear spending boundaries when using the funds in a joint account can help fix most problems before they start.

Avoiding Conversations About Savings and Retirement

Money is the root cause of most marriages ending in divorce within the first 5 years, so it doesn’t pay to avoid conversations about money and the future. As married couples live through changing economic times, discussing and sharing goals about how to manage savings and retirement plans is a must.

Letting Debt and Bills Spiral out of Control with No Actionable Solutions

Especially if a couple lives in a community property state, allowing debt or bills to go unchecked without a plan of action can threaten the survival of a marriage. Not only can debt cause undue stress, anxiety, and lead to constant fights, there are forms of help available for a couple to regain a better control of their finances.

Always Allowing One Spouse to Control All the Decisions

Marriage is supposed to be a partnership, where each spouse shares in making decisions and contributions. When one spouse is solely responsible for controlling all of the financial decisions in a household, from groceries, vacations, or buying a new car, power trips and challenges on authority over decision making become inevitable.