Use this guide if household money feels stressful, unclear or is only handled by one person. Have recent bank statements, a list of regular bills and any budgeting app or spreadsheet you use ready.
Step by step
Set the ground rules
Agree a regular time when you are not tired or rushed, and aim for a calm, no-blame conversation. Decide who in the household should attend, and what older children can join for. Keep phones away unless you are looking at banking apps.
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