If you’re revved up to hit the stores the day after Thanksgiving, don’t walk out the door until you take a few minutes to plan a safe shopping trip—for you and your wallet.

In any marriage, even one where both partners have similar money management styles, family finances can occasionally create conflict. But when one spouse is a saver and the other is a spender, financial disagreements can be frequent, emotional, and divisive. For these couples, achieving financial harmony—where both personalities contribute to a balanced approach to the family finances—requires compromise and communication.