My wife and I just celebrated our seventh wedding anniversary.  Some of the biggest arguments we’ve had during that time have been about money.  This is true for many married couples as well.

Recently we’ve had a lot of expenses crop up, some planned for, others not.  We’re a little strained at the moment.  But we both realize that we need to buckle down, and we’re cooperating on this. We don’t have a huge amount of debt, but the principle would be the same if we did.  It’s difficult to make strides in debt reduction when only one partner is working at it.  It’s possible, but the job will get done a lot faster if both are working at it together.

So, make sure you and your spouse are on the same page as you reduce your debt.

• Debt reduction tip: Pros of paying off the highest rate first Regardless of how you slice and dice things, paying off consumer debt takes a huge amount of discipline. It's usually far harder -- and far less fun -- to get our of debt than it is to get into debt. (This isn't true in all cases, of course; not everyone......
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