COUPLES face an inevitable dispute with their other half because their financial habits fail to align.

Concerning new research has revealed 52 per cent of people admit they are facing an argument with their partner because one is “more of a spender” and the other is “more of a saver.”

The new data compiled by debt solutions agency Fox Symes found a majority of people concede they are not always good at handling cash and are unable to budget well.

Rising Tide Financial Services’ managing director Chris Browne said it’s not uncommon for couples to have one half who is excellent with managing money and the other who is not so good.

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“It can lead to relationship issues so our word of advice is to make sure you get a third party to facilitate the conversation because they become like a mediator,’’ he said.

“These personality types can see the money world very differently and if they try to collaborate together often it ends in tears.

“Or get a trusted friend or family member to work through some of the issues that you don’t see eye-to-eye on.”

He urged couples to always be transparent with each other about money.

Mr Browne said it’s also critical to pen out a budget — while it might seem tedious — to ensure you are on the same money page.

Australians’ accumulation of household debt is now among the highest in the world, the debt to income ratio is at 160 per cent, meaning managing money is more important than ever before.

Fox Symes director Deborah Southon said it’s not uncommon for partners to hide their debts from their other half.

“One of the key reasons for (trouble in) a relationship isn’t infidelity, it’s financial issues, it places a great strain on relationships,’’ she said.

Ms Southon said little financial education is given in schools and it can lead to bad financial habits learned from an early age and carried on into adulthood.

She said just this month one couple told of a credit card debt they accumulated at close to $190,000 while also paying off a mortgage.

Ms Southon urged people not to put their heads in the sand and get help if they do need it.

@sophieelsworth