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Come up with a plan to meet your goals. Once you’re able to come up with common financial goals (a huge step — celebrate!), you need a plan to get you there. This will take into account your joint income, your debt, your savings, how much you can put towards debt and/or saving each month, whether you want to cut back on certain things in order to meet your savings goals, how long you want to give yourself to meet financial goals, and so forth. Start by having a definite timeframe for each goal, and then figure out how much you need to save (or pay towards debt) each month to get to your goals. Create a spending plan (if you haven’t yet) for each month, and see if you can adjust it to meet that monthly goal. You might need to cut back on some things, or earn extra income, or both. Or you might discover that your goals aren’t realistic and you need to cut back on them, reprioritize, or push them back a bit in order to meet them. This plan to meet your goals is how you will align your daily and monthly spending with your long-term goals. It’s also a great way to resolve minor short-term disputes — you should definitely buy fewer shoes, and I should buy fewer video games, so we can buy that house in three years and travel to Europe in two years.
3. 設法制定計劃來實現你們的目標。
一旦你們能找到金錢上的共同目標（很關鍵的一步---恭喜），你們就得有一個計劃去實現你們的目標。這得考慮一下你們的收入，你們的債務，你們的存款，你們償還債務的金額或是你們每個月的存款金額，你們是否愿意縮減在一些事物的開支來實現目標等等等等。首先每個目標都得有確切的時間限制，然后才能確定你們每個月要存多少錢（或是要還多少錢）。 創建一個每月的消費計劃（如果你現在還沒有的話），看看你們兩個能否為了目標而調整自己的消費支出。很可能你們得縮減開支，或賺更多的錢，又或是你們得把這兩點都做到。也可能你們發現你們的目標不太現實，所以你們會取消這個目標，重新優先別的目標，或者是把不太現實的目標推后，以后再實現。實現目標的計劃即是平衡你們日常開支和長遠目標。這也是消除短期小分歧的好方法，如你得少買些鞋子，我得少購些游戲帶，這樣我們才能在三年內買房子，在兩年內實行歐洲之旅。
