Although having only one subject of major disagreement in a marriage may seem bearable, when the subject is money, there really doesn't have to be another problem. Money is a very common cause of marital disruption, and, unfortunately, divorce. If you're experiencing arguments and offense over cash, you have to ask yourselves some hard questions, then figure out how to reach the common ground that will keep you together, harmoniously.
Is One of You a Miser and the Other a Spendthrift?
Having different money management styles (or in some cases, mismanagement styles), can keep couples in a constant state of disagreement, especially when those two styles are drastically different. Because there needs to be give-and-take in any long-term, successful relationship, speaking with a counselor about your oppositional styles should help you find a happy medium, along with fostering an acceptance of each other's ways.
Unless one of you is threatening the financial stability of the household with your spending habits, this topic shouldn't instigate serious arguments, but rather, simply be something you don't see eye-to-eye on, and both of you should be able to live with that.
Does One Of You Make Major Money Decisions Without The Other's Consent?
Financial secrets or dominance can light a fuse in any marriage and most often, there's no excuse for either. If you or your spouse are handling more money or making more decisions in the absence of the other's knowledge or approval, a counselor can shed light on the reasons why and help the two of you work together more. Sometimes, one party in a marriage may believe they're acting in the interest of both, financially; however, even when well-intended, this practice usually ends up disrupting the balance in the relationship.
Is Your Household Facing Financial Frustrations?
Even in the absence of provocation or fault, when times are tight, couples often buckle under the pressure, taking things out on each other in the worst ways. Although this is understandable (and not unusual), it can be very harmful to the sanctimony and trust in the household. Money is the source of toxic stress in many marriages, especially when there's not enough of it to go around. Talk to a counselor, who'll show you both how to put the issue of money temporarily aside and focus on each other and the reasons that brought you together as a couple in the first place.
If you're asking yourselves if couples counseling is needed in your marriage regarding money matters, the answer is most likely in the affirmative. This is definitely one instance where you'd rather be safe (discuss your financial conflicts with a counselor), than sorry (allow the issues to fester and threaten the marriage). Ultimately, you've nothing to lose by opening the lines of communication and gaining a better understanding of each other's financial perspectives.
