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Ladies and gentlemen of romantic relationships, there comes a time when money starts to matter in those relationships. And, how you deal with money doesn’t have to be a big deal…as long as you follow these key steps.

Have specific spending & saving goals
Think of you and your honey as part of a team or a company. What are your collective goals? To buy a house? To have a minimum of $12,000 in your joint savings account at all times? To live a life of wine-tasting every three months? Whatever your goals are, you must write them down, save them for mutual access, and develop a “team strategy” for achieving them.

Delegate according to strong suits
To complete your team strategy, one player will necessarily be weaker or stronger than the other player. If you’re the one who’ll be better at paying the home bills and keeping to budget at your tri-monthly wine-tasting events, then you would delegate yourself as the overseer of that area. If your honey is better at haggling for better prices when you sign up for certain services, then let him be the mayor of that. Either way, make sure that each of you is in charge of something that gets you both closer to your financial goals.

Review regularly
Ensure regular reviews of your accounts to see that you’re spending and saving in healthy ways–and keeping to your goals. If you notice a problem with a goal, maybe you find that it isn’t realistic in terms of your current lifestyle, then adjust the goal. If you notice a problem with the way you’ve delegated roles in your financial world, then switch them around.

Don’t be afraid to seek counseling when needed
You’re not alone in your relationship, at least not when it comes to your finances. So, don’t be afraid to ask for extra financial help for couples whenever you need it. Asking for help can enhance your game plan, not to mention–help save your relationship!

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