Now that you're newly married, it's a good idea to have a frank talk about your finances. Follow these steps to get the money conversation going—and cash in on a happier future.

5. Work out the Details

Now that you've figured out how much you want to put toward your debts and goals, you can hammer out a budget together. Online sites like Mint and LearnVest have useful tools. "They also track every penny, so you can keep tabs on whether you're on target," says Bell. Next, decide who's responsible for what duties: It's generally easier to have the more detail-oriented spouse take over paying bills and monitoring the cash flow.

To keep each other in the loop, schedule a check-in every week. "Consider it a bona fide business meeting, where you can catch up on bills and discuss long-term plans," says Tessina. That means allotting time to chat, setting an agenda to stay on topic, and turning off that episode of Revenge in the background. "You can make it something to look forward to," adds Tessina. "Discuss finances over pancakes on a Saturday morning, or meet for lunch in a restaurant." Who says you can't have a little fun while plotting your financial future together?

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