The Illinois CPA Society is suggesting that couples have a heart-to-heart talk on Valentine’s Day about a topic that’s been making the rounds these days: money.

Be Honest and Upfront. Let each other know what you're bringing to the relationship; list everything financial, both positive and negative - outstanding student loans, car loans, number of credit cards and the amount owed on each of them, 401K plans or investments, insurance, outstanding medical bills and family commitments, like parent or child support.

Ask Questions. You shouldn’t be afraid to talk about money. Don't know what your significant other's credit rating is or the longest they've held a job? Ask them; it's better to know now, not later.

Compare Attitudes. Compare your attitudes about money. Find out who cuts coupons and who's more likely to make impulse purchases, and what each of you considers necessities - premium cable or high priced haircuts? Describe your spending habits and financial condition in a few words. Discuss current details like whether you have a budget and stick to it, as well as your long-term financial and career goals.

Stay Calm. Don’t criticize or blame each other if you find you're off to a rough start. Figure out a way to solve any problems and remember you have a fresh start together. Develop a finance plan for your future and follow it. If you need help consider working with a CPA.

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