Couples and Money
Money issues can be a source of tension for couples. Here are some tips to help couples work together on their finances:
• Get together and make a plan – couples should agree on their general financial   goals and have a plan for achieving them. If couples have radically different money   goals they will constantly be at odds.
• Have regular money check-ins – set aside a regular time when you will talk about   money issues; this can be once a week, once a month, quarterly, etc.
• Find a financial structure which works for you – some couples have joint accounts,   some have individual accounts and some have a mix – some couples have one   person who manages the money while others share responsibilities. There’s no   particular “right” way of doing this so find what works best for you.
• Get help when you need it – if you struggle to agree on a financial plan or find that   emotions are running high when you discuss money, enlist the help of a financial or   counseling professional who can help you.

Teaching Your Children About Money
Adults who are successful money managers weren’t born that way; someone taught them. Here are some tips for teaching your children about money:
• Use everyday experiences – when shopping, paying bills, or buying gas, use these   opportunities to talk to your children about the value of money.
• Give them an allowance – allow your kids to manage some money of their own and   to learn the benefits of saving and spending wisely.
• Instill values – teach your children the difference between needs, wants, and   wishes.
• Talk about credit – credit cards can be a valuable tool if used wisely but can also   be easily misused. Teach your kids how to successfully manage credit cards.
• Teach them to give – generosity and altruism are a part of successful money   management. Teach your children the joy of giving to charities and to others in   need.


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