Image source: Getty Images My husband is a huge meat eater. I'm a vegetarian. My husband is big on going out and socializing. I tend to prefer quiet nights at home.These differences have never been a problem for us. But one issue we did have to work a bit harder to overcome is the fact that my husband and I don't always see eye to eye on money matters.Though I don't consider myself overly frugal, I'm a more aggressive saver than my husband is. He, meanwhile, spends a lot more freely than I do. Our different approaches to money caused quite a few clashes early on in our marriage when we combined our personal finances for the first time. But at this point, it's no longer an issue thanks to a few basic ground rules we both agree on.1. We set joint goals for the yearOne thing that helps us avoid arguing about money is that we make a point to map out joint goals year after year. Those goals could include socking away a certain amount of money for retirement in an IRA account, saving for a big vacation, or setting funds aside for a second home, which is something that's been on our radar for quite a while. As long as we're meeting those goals, I can relax about how our extra money is spent.2. We check with each other when making large purchasesMy husband and I will frequently make $20 or $30 purchases, like things for our house or our kids, without checking in. And that's fine. When creating our household budget, we set it up in a way that allows for that. So unless one of us is really making a lot of back-to-back purchases, there's no need to loop one another in. On the other hand, if one of us wants to buy a more expensive item -- say, a $300 kitchen appliance -- we will consult one another. And to be clear, it's not always my husband coming to me with expensive requests -- there are certain things I've been inspired to buy through the years, like new patio furniture.3. We each get solo spending moneyOur household budget has a line item for "solo treats" for both me and my husband. In other words, we each get a monthly allowance, so to speak, that we can spend on ourselves, no questions asked. Sometimes, I'll use that money for something I want. Other times, I'll put it into my savings account. But I don't begrudge my husband at all if he opts to spend his entire share -- we both work hard and deserve to enjoy our earnings.To some degree, classifying my husband as a spender isn't 100% fair because the reality is that we both have things we like to spend money on -- his list just happens to be longer than mine. Also, my husband is a big believer in saving for different goals. That's why he maxes out his 401(k) every year and contributes money to our savings account. But still, my husband does have a much easier time spending money than I do, and it's something I've had to adjust to through the years. Now that we have a nice system in place for managing our earnings, money doesn't have to be something we argue over.Top credit card wipes out interest until 2022If you have credit card debt, transferring it to this top balance transfer card can allow you to pay 0% interest for a whopping 18 months! That’s one reason our experts rate this card as a top pick to help get control of your debt. It’ll allow you to pay 0% interest on both balance transfers and new purchases until 2022, and you’ll pay no annual fee. Read The Ascent's full review for free and apply in just 2 minutes.We’re firm believers in the Golden Rule, which is why editorial opinions are ours alone and have not been previously reviewed, approved, or endorsed by included advertisers. The Ascent does not cover all offers on the market. Editorial content from The Ascent is separate from The Motley Fool editorial content and is created by a different analyst team.The Motley Fool has a disclosure policy.Source