When you’re out on a date, the only thing you should be worried about is having a good time–not making a financial faux pas. Unfortunately, when you put dating and money together, it can be a perfect storm of awkwardness. Here’s how to avoid any financial mishaps when you’re out on the town (and what to do if a problem does arise):

You forgot your wallet

Imagine going out on a date and realizing you forgot your wallet when the check arrives. Telling your date that they need to foot the bill can be embarrassing, but it doesn’t have to ruin your relationship going forward. Be honest and offer to pick up the tab next time–and then share a laugh about your forgetfulness.

Your date asks about your finances

You’re sitting down with your date enjoying a nice dinner when all of a sudden they ask how much money you make–talk about awkward! If your date asks a question that makes you uncomfortable, let them know that they’ve crossed a line. They might apologize or they might not, but either way, it’ll give a better idea of who they are.

Your date orders the most expensive items on the menu

What happens when you offer to foot the bill . . . and then your date orders lobster and champagne? If you already offered to pay, you have to follow through. But next time you go out, be honest about your budget and offer to split the tab (or choose a more reasonably priced restaurant).

Your credit card is declined

Having a credit card declined doesn’t necessarily mean that you’re irresponsible with your money. Sometimes financial institutions flag accounts for suspicious activity or their system just goes down. Either way, you don’t want to leave your date high and dry. Always carry backup cash just in case–it can save you from an embarrassing situation.

Your date assumes you’re going to pay

Some people just assume that when they’re asked on a date, the other person is going to pay–whether or not that’s accurate. If you find yourself stuck in that situation, say you’ll pick up this tab and they can get the next. Even better: broach the topic beforehand and make it clear that you’re going dutch (before you leave the house).