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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. 设法制定计划来实现你们的目标。
一旦你们能找到金钱上的共同目标（很关键的一步---恭喜），你们就得有一个计划去实现你们的目标。这得考虑一下你们的收入，你们的债务，你们的存款，你们偿还债务的金额或是你们每个月的存款金额，你们是否愿意缩减在一些事物的开支来实现目标等等等等。首先每个目标都得有确切的时间限制，然后才能确定你们每个月要存多少钱（或是要还多少钱）。 创建一个每月的消费计划（如果你现在还没有的话），看看你们两个能否为了目标而调整自己的消费支出。很可能你们得缩减开支，或赚更多的钱，又或是你们得把这两点都做到。也可能你们发现你们的目标不太现实，所以你们会取消这个目标，重新优先别的目标，或者是把不太现实的目标推后，以后再实现。实现目标的计划即是平衡你们日常开支和长远目标。这也是消除短期小分歧的好方法，如你得少买些鞋子，我得少购些游戏带，这样我们才能在三年内买房子，在两年内实行欧洲之旅。
