There are several key action steps couples can take to create a prosperous relationship for themselves and their financial affairs. Acknowledge your differences. Recognize your partner may have a different money personality than you. Practice new attitudes and behaviors that will move towards one another's opposing money personality types. Listen to your partner's feelings and values about money without being judgmental. Have each partner list important things to purchase. Compare lists and then compromise by taking turns on getting what you want.

Develop the ability to openly and honestly communicate (including listening too) with each other about money and have no hidden assets. Strive to have at least one meeting monthly to discuss household finances and each other's hopes and dreams. Divide up the financial tasks (filling out forms, going to the bank, balancing the checkbook, organizing records, paying bills, etc.) according to each person's strengths.

Maintain some funds in separate accounts for each partner's discretionary purchases that are not questioned. This provides an element of privacy and independence, but not secrecy. Many financial counselors recommend, however, against having totally separate accounts since there should be some interdependence and commitment within the relationship. In addition, both partners should maintain a separate credit card account whereby small purchases are regularly charged and paid off to show responsible use of credit. By having a separate financial account and credit card account, each partner will preserve their own individual financial identity.

Strive for equality and fairness in managing money as a team. Make buying decisions together regardless of who makes more money. Set up and follow a financial plan together.

How couples handle money generally plays a vital role in whether or not they have a successful long-term relationship together. Sometimes it helps to get a third party involved. There are many financial psychologists, planners, and counselors that specialize in working with couples on resolving money issues. Get professional help if necessary.