When exchanging i' do's be ready to share your balance sheet too! Discuss what money means to you one of these day when the hubby isn't that busy or harassed, find time to sit down with him over coffee and talk about money. Each of you should share what money means to you. From this discussion you will gauge each other's attitude towards money (e.g a means to enjoy life, something to save for the future) which will helps as you map out your goals. Write down your financial goals. "It's nice to dream of having a three - bedroom house, good college education for the kids, and vacation home in Tagaytay. During your money talk, agree on financial goal you will pursue. Then write the corresponding fall park figure for each so you will have an idea on how much you need to save up in order to meet your goals. Be honest about what you own and what you owe. Since you are no longer two but one, your properties and debts become his as well, subject to certain provisions in the Law. Tell each other how much debt you owe so that you can both strategies step to meet debt obligations. Make a Budget. Given your financial goals and your day - to - day expenses, prepare a workable budget given your combined income. Set aside a set amount of savings which will be used for an emergency fund and for the fulfillment of your financial goals. Then cap an amount over day to day expenses and find way to spend with your monthly budgets. Decide who will hold the purse. Some households have husband holding the money and paying for everything, others have wives doing all of these. Agree on who will disburse money for household expenses and who will actually go to the bank to pay the bills. This will avoid any misunderstanding in the future.