The first year of marriage is often the hardest. 
This is when couples learn to merge two lives into one, make compromises, and bring their financial lives together in a workable manner. 
Merging finances, in whatever shape and form you choose to do so, can be emotive – especially where one spouse has financial commitments to an ex-spouse or children from a previous relationship or pre-existing debt. 
Today we are going to unpack some practical steps couples can take to create structure and fairness when it comes to marital finances.