Learning how to manage money as a couple is one of the most challenging parts of being in a relationship. Most of us have argued about finances at least once. Use these tips to learn how to effectively manage your money as a couple so you can get on the same page and start building the life of your dreams.

You don’t actually need a budget as long as you know where your money goes, spend less than you earn, and make sure you’re saving for retirement and other goals.