Money is a delicate subject. Sometimes, even the most loving of couples can have vastly different ideas of how finances should be managed—some may even find it challenging talking about money altogether. It is no surprise then that financial problems is one of the top reasons for divorce.

On the flip side, when couples can be transparent about their financial priorities and work together towards a common goal, the benefits are enormous. Not only is there greater trust between two parties, but they also become more tightly knit life partners with a potentially more financially secure future ahead.

If you and your spouse are working through financial problems or heading for certain financial goals, here are some money hacks you can consider:

#1 Let’s talk about money…

… not just with your spouse, but with yourself too. Figure out exactly what money means to you—for example, some grow up seeing savings as a form of security while others think it’s important to spend to feel important—and how you are using it. When both parties are able to see each other’s perspective, it allows for greater mutual understanding over time.

#2 Get in a pro

It’s not just an emotional and mental hurdle to discuss money; sometimes, it can just be utterly confusing to understand financial jargon. If you have trouble putting into action a plan to further your financial goals as a couple, get a financial planner to demystify the process.

#3 Make sure both your needs are met

It is only natural for a couple to have individual objectives and aspirations. When putting together a financial plan, make sure both parties’ wants and needs are in the mix. Perhaps you hope to pursue higher education before you turn 35; and he really wants to get the nest egg to a certain size before middle-age. No matter what your goals are, the plan has to fairly cater to both parties.

#4 Set ground rules

Before making large financial commitments or making high-value impulse purchases, always consult your spouse first. It is also important to have a contingency plan (or allow for flexibility) if caught in unforeseen circumstances such as job loss or when an aged parent needs help with medical bills.

#5 Make it fun

Money matters can be heavy on the mind. And with rising inflation, it can feel like a bummer to cut down on little luxuries. However, you can make the process feel more light-hearted by turning it into a contest. For example, the person who goes for a week without taking a taxi gets a 20-minute massage by the loser. Or have a cook-off at home to see who can whip up the yummiest meal at the lowest cost.