I graduated college in May of 2008, started a full time job that June, and worked for the next five years. During that time, I did what I wanted to do with my money.

While I paid off more than scheduled of my school and car loans, looking back I know I could have been more responsible with my cash flow {eh-hem… Starbucks and Target}.

Now here we are five years and five months later, and I’m currently a stay at home wife and talk to my husband about our money.

Needless to say, things have changed a little bit {and definitely for the better}.

The first month and a half of our marriage, we settled into life together and didn’t have many conversations about money. We merged bank accounts, knew what bills we had, and that was that.

I think we both knew we could be more responsible with our money though.

One night after church, we were picking up dinner and were talking about our debt – how much we owed and how it was broken up. I don’t remember what was said but something clicked that night, and we decided to start working on being more responsible with our money.

That was about two months ago and since then we’ve talked more about our spending, established goals, and made a budget.

And to think, it all started over a conversation while waiting for a burrito and some tacos.

Do you have someone you talk to about money and goals?