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Newlyweds and Finances

With countless hours spent planning for your big day, wedding preparations can be daunting for both bride and groom.

Unfortunately, amidst the whirlwind of decisions to be made, many overlook an important aspect of planning that could greatly affect their wedded bliss: discussing finances as husband and wife.

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According to a recent survey conducted on behalf of leading credit card provider Capital One, nearly one-third of adults have never had a conversation about personal finance with their spouse or significant other. It's no wonder money issues are the number one subject of arguments between couples and a leading cause of divorce in this country!

Dana Cilluffo, recent bride and spokesperson for Capital One, suggests taking time to talk about money as soon as possible, whether you're preparing to walk down the aisle or just getting back from your honeymoon. "It's never too early to sit down and have 'The Big Money Talk,'" says Cilluffo. "Being open about money at the beginning of your marriage will help you to work as a team toward your future prosperity."

Following are tips from Capital One for starting your joint finances off on the right foot:

To Do Before Saying "I Do": Getting to Know You

Make it a priority to learn the ins and outs of your spouse's financial status including salary, savings, expected bonuses and investments.
Mine, Yours or Ours? Take the time to learn how joint bank accounts and credit cards work. In the case of joint cards, each account has one primary applicant and one co-applicant. The co-applicant might want to consider opening or maintaining an individual card in their name only so that he/she can continue to build a credit history.
Mr. and Mrs. Money - As a couple, sit down and review your combined expenses. Develop a budget and short-term savings program, as well as a strategy to achieve long-term goals and a comfortable retirement.
Stay Tuned In - Even if only one partner manages the bills, it is important for both partners to stay fully abreast of the family's financial status. Set aside a few minutes each week or month to discuss your current plan and readjust as necessary.
Ask the Experts! - Consult with a financial advisor, use personal finance software and/or log on to a personal finance Web site to help you keep track and allocate your assets -- from mutual funds to a portfolio of individual stocks.

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