The first step is to figure out where each of you stands with respect to money. Go through the following lists and decide what best describes you. If you are a saver, you probably have some of the following traits: If you are a spender, you probably have some of the following traits:
Saver and Spender Combinations
Now, go through the spender and saver lists and determine which one best describes your spouse. Determine which combination of traits the two of you have:
One saver and one spender Two spenders Two savers
Each pair of traits will result in different sorts of disagreements. Just because both of you are spenders or savers doesn’t mean you won’t have any money problems. The following sections will show you what to watch out for.
One Saver and One Spender
If one of you is a saver and one of you is a spender, you’ll probably have many disagreements about money. But you can also learn a lot from each other about enjoying life (on the one hand) and planning for the future (on the other). The person who is the spender might feel a sense of security being with someone who is more cautious about money. And the person who is more restrained might be able to enjoy life more with someone who is more spontaneous about money. Read the following list to find out what can be expected in a saver-and-spender household:
