Specifically how we make it, how we spend it and how we talk about it.

Do we get joint bank accounts?

Do we invest separately?

A couple flash money in front of their face in this photo.

How do we split the bills?

Do we have to tell our partner about every dime we spend?

Finances can be a touchy subject whether youre married or not but its an incredibly important one.

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But same page doesnt always mean sharing the same accounts.

Here are the times you should combine your finances and when you shouldnt.

Yep by putting two cars on one insurance policy, you could be eligible for discounted rates.

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Some up to 20% per additional car.

Lets be real, though.

Its probably not the first thing you think about when you wake up.

But it doesnt have to be.

7 Ways to Make Money if You Hate People

Do you avoid people too?

Enough small talk.Here are some waysto earn extra cash, without all of the social stuff.

Use awebsite called EverQuoteto see all your options at once.

Take a couple of minutes toanswer some questionsabout yourself and your driving record.

With this information, EverQuote will be able to give you the top recommendations for car insurance.

In just a few minutes, you could save up to $610 a year.

Combine: Some of Your Credit Cards or Loans

Youve got big plans.

Maybe youve got your eye on a new car.

Or youre hoping to buy a house in the next few years.

Or youd even like to start your own business.

A free website calledCredit Sesamemakes it easy to put your credit score on track to reach your goals.

What could adding 300 points to your score mean for your goals?

It could easily save you thousands of dollars over the life of a car loan or mortgage.

Youll even be able to spot any errors holding you back (one in five reports have one).

Its easy to do with an app calledStash.

If these companies profit, so can you.

*

4.

Separate: Life Insurance

Ok, so you cant combine life insurance policies even if you wanted to.

But you should both have life insurance policies with each other as the beneficiaries.

Nows a good time to start planning for the future by looking into a term life insurance policy.

Youre probably thinking: I dont have the time or money for that.

We hear people are paying as little as $10 a month.

  • (But every year you wait, this gets more expensive.)

if you know where to look.

Yeah, youve probably heard of Robinhood.

Plus, its super easy to use.

Kari Faber is a staff writer at The Penny Hoarder.

1Not all stocks pay out dividends, and there is no guarantee that dividends will be paid each year.

2To note, SIPC coverage does not insure against the potential loss of market value.

For Securities priced over $1,000, purchase of fractional shares starts at $0.05.

*Offer is subject to PromotionTerms and Conditions.

The Penny Hoarder is a Paid Affiliate/partner of Stash.

Investment advisory services offered by Stash Investments LLC, an SEC registered investment adviser.

*For a $500K policy, subject to eligibility.

Bestow Life Insurance products may not be available in all states.

Policy limitations or restrictions may apply.

Not available in New York.

Our tool asks lifestyle and health questions to determine eligibility for avoid requiring a medical exam.

Rates will vary based on underwriting review.

Probably not as good as youd like.

It always seems like an uphill battle to build (and keep) a decent amount in savings.

But what if your car breaks down, or you have a sudden medical bill?

Ask one of these companies to help…