Deseret News National: All Aboard: How to Win the Budget Battle with a Reluctant Spouse

Holmes says the saver should never call out the spender on how the money is being spent. That only makes people defensive, and the couple will not come together on a budget.

Another way to take the sting out of a budgeting conversation is to focus on the positives, Holmes says. Couples should set aside a discretionary fund for fun, and discussing how to spend it can make the process more pleasant as couples talk about what can be done rather than what can't.

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