The new year has always been a good time to take a look at past spending patterns and resolve to do better in the future. But what if you're in a relationship? Can you make these decisions alone? Of course you can, but chances are you won't be as effective — and the results won't be as rewarding — unless you sit down with your husband, wife or partner and approach your financial New Year's resolutions together.

Money matters for a couple can be tricky and often lead to misu ...

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