As I have mentioned here in this blog and more times than I can count to my clients, one of the areas married couples argue about is money. There are really three, money, children and the other one we won't mention. But, in my own experience, money is the one that usually causes more problems than the other two. Let me just say, I am just as guilty on this one as you are.
First of all, we don't communicate about money. We have to talk to our spouse openly about money. Both spouses should feel free to talk about their concerns and fears. And BOTH spouses should have an equal say in how YOUR money is spent, saved and invested. Remember one thing, when you got married you were two who became one. When one spouse takes total control of the money in the household and keeps the other in the dark, problems arise.
Spending, saving and investing should be done as a partnership. If done that way, fewer problems will come up. And by doing this, we take one of the causes of divorce out of the picture.
To help start the conversation going, there is a great list of things you can do to create an emergency fund. Check out 28 ways to save for an emergency fund. And talk about it.