text: Consider this:\nMake a list separately of what you both want, enjoy, need - pay no attention to order or anything esle. Then get together and compare, here you can eliminate or even add to a single list you agree on. Then place them in order of importance, please no arguing - if it is important to you (or him) then it is - no matter what you (or he) thinks. Now we have a list, next place a time next to them. House - 3 years, vacation - 1 year etc. Then put dollar amounts next to them - house deposit needed $10,000 divide that by 36 (3 years x 12) you now have a monthly value. Once you have done this you will see that you have monthly values for the things you are trying to do. Then add up everything and get a monthly total. You'll either have enough to do it all or not enough to do it all. Then sit down again and work out what you can eliminate or reduce - 'stuff' once every two months is cheaper than 'stuff' every week. House deposit in 4 years instead of three etc - Once you can see what you can achieve, and you are both on board, then it is easy to do. This may take a few talks, so get coffee and cookies and sit in a nice and comfortable room.\n\nAt some point you may want to show him what you do to pay the bills etc. Alternatively you can have a lot of the bills paid automatically (I do not like this) where you give the utility company your credit card (or checking account)# and they deduct it automatically, every month. Pay everything with a credit card and have the bank deduct the payment from your checking account every month. All bills then get paid automatically - you just need to then monitor that there is enough money in your account, AND that the statements you get are accurate.\n\nGood Luck!