By Marguerite Simon

 Money is a very common problem when it comes to marriage, something many aren't surprised to find out. These arguments are usually brought on because one spouse is spending too much money, or because there isn't enough money to pay all of the bills. It doesn't really matter what the fights are over, though, because money issues are the single greatest reason why many marriages end in divorce. If you're looking for ways to approach the subject of money with your spouse, then keep reading.

1. It's important to discuss your options as far as how you'll go about merging your joint incomes. It may not be the best approach for you two to keep your money separate. Although pooling money into a joint account can be a good idea, you two may want to explore all of your options.

2. Couples should also make it a point to claim responsibility for all debts, even if they were incurred prior to marriage. Keep in mind that when you marry someone with a lot of debt, their credit rating is going to affect your joint ability to obtain credit. Having a prenuptial agreement will help protect the other spouse's assets from creditors.

3. If you're discussing your financial goals, make sure you both agree on the risks that you're willing to take to meet them. It's best to reach compromises that you both can agree on.

4. You both should come up with a budget and stick to it. You need to keep in mind that you'll need to keep cash stored for future things like retirement and children's education. Unless you plan for them, they'll sneak up on you before you're ready.

5. Make a practice of being far-sighted and working towards investment goals within time frames that the two of you have decided on. Remember that you may need the money sooner rather than later, something you should keep in mind when risking your money. If you think it's possible that you'll need the money in a few months, it's best not to take a big risk with it. If you won't need the money, then more long-term investments that have a higher return may be the better option. Review your portfolio every year and make joint decisions about whether you're meeting your goals or need to make changes.

6. Keep in mind that emergencies can come up too. If nothing ever happens, then you'll have extra money. If something does happen, you'll be glad that you have the money necessary to deal with it.

Too many couples try to keep financial secrets from each other, and this can doom their marriages. Never put money away that your spouse isn't aware of, and level with each other about how much you spend. Your relationship will be stronger if everything is honest and above-board.Doc No.lsdhhsdlh-sdlkjhsgd

Kristie Brown writes on stop my divorce and stop divorce