Finding love is the hard part, figuring out finances should be easy.  If you find yourself arguing about money, sit down and map out your options.  It's actually not that difficult to address 3 main points: 1. Joint Expenses- Most modern couples that I know or have worked with have a joint account to pay joint bills, but then each party maintains a separate account for his/her own discretionary spending.  Each couple may define joint expenses differently, but generally most people agree that the cost of food, housing and entertainment are joint expenses, and either you contribute to them equally or on a pro-rata basis given your respective incomes.  The bottom line is to come up with a plan that both feel is fair. 2. Debt- If you are uncomfortable with how much someone spends, then maybe you should each maintain separate credit cards and each person is then responsible for his/her own charges?  If you are going to use a joint credit card for expenses, maybe you need to establish a cap so that for example no one will charge more than $250 without the other party's approval?  If you don't agree with someone's choice to take on more debt, then don't co-sign on the loan.  The main point to glean from any debt situation is that we each [...]