The way we deal with money speaks a lot about our personality types. If you are spendthrift then you are probably a carefree happy person living in the present but at the same time you may be careless and too impulsive and totally unwise.

If the first thought that occurs to you when you see money is 'save' that means you are always living in future and not able to enjoy the moment that you are living.

Money can sometime crack a whip on an otherwise harmonious relationship and strike a note of discord between partners. Living through financial issues and sorting them out together can help couples to strengthen their bond and instill a sense of respect for each other. How your partner deals with money reflects a lot on the kind of person you are married to, whether the partner is caring and understanding, balanced and matured or given to impulses.

Reaching a consensus on money issues and deciding how much to save and spend together is therefore very important. By keeping all discussion on money front open and frank, you can make money issue redundant in your marriage.

SOME TIPS ON MONEY:

" Know that you don't need too much money to be happy.

" A walk in the garden, going on a cycle for smaller trips around your area can be healthy and also a money saver.

" Home-cooked food can be better for health and also a money saver. You can decide for a once-a-week going out to eat to break the routine of home food.

" Make a plan for taking home/car/other loans in advance and work your way together in realizing your dreams.

" Decide who will be responsible for monthly payment of bills, laundry, grocery etc.

" Plan your bigger purchases like washing machines, TV, Fridge, Computer, Labtop, Ipod etc in advance. Decide if you can go for outright purchase or want to buy on EMI basis.

" Never ever make sudden decision on large purchases without consulting your partner unless you are sure that that will be a big happy surprise for your partner

" Plan for some savings every month. Some people get irritated by the idea but they will see the value in it as the time goes along and they will appreciate your wisdom in thinking of saving money

" Create a balance and priority on your spending. If you want to go to gym regularly but buying a home pc is important for some work, make a decision and set your priority right. Which one is more important? If you want to start gym for it is important for you to feel good, see how you can meet the need for a home pc. Can you use a friend's pc for some time?

" Create a list of essential personal spending every month and discuss it with your partner. Your clothes, cosmetics, beauty or saloon trip expenses etc and make a budget for them.

" Have 'money' meetings to chalk out plan for your goals and dreams

" Make a separate saving plan for children.

" Decide on life insurance, joint medical claim plans, stock and mutual fund investment etc.