The following exercise will help you separate your financial goals into long-range and immediate ones, and will lead you through making a budget that will allow both of you to work together. A budget that both of you have developed will be easier for you to maintain because both of you "own" it. Successfully creating and staying within a budget gives couples a joint sense of direction and control.
6 Steps for Making a Budget
Step 1: Determine Your Financial Goals
Step 2: Calculate Your Costs
Step 3: Write Down Your Purchases
Step 4: Analyze Your Spending
Step 5: Revisit Your Budget
Step 6: Keep It Up!