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Take this 10-Minute Quiz
to Determines Your Financial Compatibility

So you're months, maybe even weeks away from the big day. Your partner popped the question and gave you a ring, but have you popped the really big question?

You know, the question that involves the "M" word? It's difficult for many people to talk about money. Especially people in love. But it's an absolute must. It's common knowledge that unresolved money issues are a leading factor in the break up of many marriages.

So, rather than wait until after you've tied the knot, why not set some time aside today to start talking about the "M" word?

To help couples better understand where they stand, here is a 10-minute quiz that both partners can take and use to facilitate a discussion about money.

If your scores seem way off don't cancel the reception hall, but take some time and talk things over. If really big problems surface, some time with a marriage counselor or an experienced financial planner may help you and your honey see eye-to-eye.

Think of this little quiz as a snapshot. It can help tell you and your soon-to-be spouse where you're at now in terms of your various perspectives about money management.

1. We talk about money regularly.
- True
- False

2. We have decided who will handle the bills after we marry.
- True
- False

3. I feel my future spouse manages his/her own money well.
- True
- False

4. I would feel comfortable if my future spouse made a purchase of $250 without telling me.

- True
- False

5. I feel my future spouse knows what my retirement dreams are.
- True
- False

6. I know how much debt and savings (including investments) my spouse is bringing into our marriage.
- True
- False

7. Between us, we have more than five credit cards.
- True
- False

8. I know how much my future spouse makes and what percentage he/she is contributing to their 401 (k) plan at work.
- True
- False

9. I feel my spouse avoids sitting down and talking about money with me.
- True
- False

10. We have the same financial dreams.
- True
- False

11. I feel like my future spouse treats his/her money as if it's his/her own.
- True
- False

12. I never talked about money with my parents.
- True
- False

13. I know how my future spouse would feel if I wanted to quit my job and start a business.
- True
- False

14. I would feel comfortable living off one salary if either my spouse or I wanted to quit his/her job.
- True
- False

15. When we talk about money, my spouse interrupts me often or dismisses my points of view.
- True
- False

16. I feel my future spouse is a cheapskate.
- True
- False

17. We have a financial plan.
- True
- False

18. We've talked to a financial planner.
- True
- False

Scoring:

Give yourself one point if you answered true to questions 1, 2, 3, 4, 5, 6, 8, 10, 13, 15, 16, and 17, and 1 point if you answered false to 7, 9, 11, 12 and 14.

0 to 6 points indicate a Red Flag
The proverbial marriage referee is throwing red flags left and right. Make sure your future spouse takes this quiz and compare scores. If you see a significant difference in your scores, or if you both answered the same, but had low scores, that means you need help-big time. Run, don't walk, to a marriage counselor or financial planner to discuss these issues and see if you can work toward a better understanding of each other's perspectives on money.

7 to 12 points present a Fork in the Road
You and your future spouse have a few things to work out, but for the most part, you understand where each is coming from. Take the results of this quiz, head out to your favorite coffee shop and sit down to talk about those areas where you don't see eye-to-eye. Maybe you won't see everything the same, but at least you've got enough in common that you can make it work.

13 to 18 points You are Compatible!
It was love at first sight, right? You're probably the kind of couple that when someone is speaking to you, you both answer at the same time with the same answer? Maybe even finish off each other's sentences, huh? Well, this shows that you're on the right track. Keep talking, and more importantly, keep up the financial planning. Your sense of responsibility shows that you know that financial planning is important. So, if you haven't started a financial plan, then, what's keeping you?

This article was reprinted as courtesy of WOMEN'S NEWS BUREAU

Top Ten Financial Considerations for Newlyweds

1. From the beginning, save 15 - 20% of your income. By combining households, you should reduce your expenses a lot which should allow you to save. You should save to build your cash reserves, in your 401k plans and in a mutual fund.

2. Rather than simply keeping 2 checkbooks like before you were married, pool your money into one checkbook and one savings account or money market.

3. Change all of the beneficiaries on life insurance plans, retirement and other plans at work, and IRAs to your new spouse.

4. Decide how debts accumulated by each individual prior to the marriage (i.e. student loans) will be handled.

5. Work together on budgeting and tracking expenditures.

6. Discuss your approaches to handling money- is one person a spender and one a saver? Create some ground rules on handling any differences.

7. If both incomes are needed to pay expenses, be sure to have adequate life insurance.

8. Be sure to let each other know where important documents are kept.

9. Consolidate your credit cards to avoid having double the number of credit cards needed.

10. Make a list of upcoming purchases together and prioritize them. You should decide jointly how to spend your money now.

Take this 10-Minute Quiz to Determines Your Financial Compatibility

So you're months, maybe even weeks away from the big day. Your partner popped the question and gave you a ring, but have you popped the really big question?

You know, the question that involves the "M" word? It's difficult for many people to talk about money. Especially people in love. But it's an absolute must. It's common knowledge that unresolved money issues are a leading factor in the break up of many marriages.

So, rather than wait until after you've tied the knot, why not set some time aside today to start talking about the "M" word?

To help couples better understand where they stand, here is a 10-minute quiz that both partners can take and use to facilitate a discussion about money.

If your scores seem way off don't cancel the reception hall, but take some time and talk things over. If really big problems surface, some time with a marriage counselor or an experienced financial planner may help you and your honey see eye-to-eye.

Think of this little quiz as a snapshot. It can help tell you and your soon-to-be spouse where you're at now in terms of your various perspectives about money management.

1. We talk about money regularly. - True - False

2. We have decided who will handle the bills after we marry. - True - False

3. I feel my future spouse manages his/her own money well. - True - False

4. I would feel comfortable if my future spouse made a purchase of $250 without telling me.

- True - False

5. I feel my future spouse knows what my retirement dreams are. - True - False

6. I know how much debt and savings (including investments) my spouse is bringing into our marriage. - True - False

7. Between us, we have more than five credit cards. - True - False

8. I know how much my future spouse makes and what percentage he/she is contributing to their 401 (k) plan at work. - True - False

9. I feel my spouse avoids sitting down and talking about money with me. - True - False

10. We have the same financial dreams. - True - False

11. I feel like my future spouse treats his/her money as if it's his/her own. - True - False

12. I never talked about money with my parents. - True - False

13. I know how my future spouse would feel if I wanted to quit my job and start a business. - True - False

14. I would feel comfortable living off one salary if either my spouse or I wanted to quit his/her job. - True - False

15. When we talk about money, my spouse interrupts me often or dismisses my points of view. - True - False

16. I feel my future spouse is a cheapskate. - True - False

17. We have a financial plan. - True - False

18. We've talked to a financial planner. - True - False