Your husband is your partner in crime on money matters. Have him involved in budget planning and never keep the burden to yourself. Remember, it takes two to tango, and that adage applies beyond the dance floor.

“Open communication with your spouse or partner is important in budgeting,” says Louise Antonette Fandino-Santos of MommyPracticality.com. Louise and her husband begin the year by discussing their finances and adjusting for seasons with higher expenses than usual like enrollment season and birthday months.

For her part, mother-of-four Tina Rodriguez of TrulyRichAndBlessed.com believes in the same approach but adds that a categorical approach is the most practical. “As a couple, you should know what your expenses are–categorized as needs and wants. Wants can be delayed. Needs should not be sacrificed to buy wants. All of these are discussed with your family goals and values as your guide.”