It's too often that we find ourselves living day-to-day and spending like there's no tomorrow. How many of the following questions have you and your spouse found yourselves asking:

Do you or your spouse complain that one of you spends too much money? Are you surprised each month when your credit card bill arrives at how much more you charged than you thought? Do you have every new electronic toy available on the market? Do you buy things and then find them in the closet untouched...