There’s nothing more awkward than having the talk.

We mean the talk you should probably have withyour partnerwhen you realize they have a spending problem.

If you’ve reached your breaking point, it’s time to do something about it.

Man spending too much money

Luckily, there are a few steps you might take to addressthe issue.

Just know it’s going to take a lot of patience and a gentle approach.

Starting off this already delicate situation by accusing them of doing something wrong isnotthe way to go.

Couple planning a budget

It’s an easy suggestion that also implies that both of you have something you should probably work on.

This way, you’re able to keep each other accountable.

Studies have proven that money is a huge cause of stress in relationships, saysCNBC.

Couple planning a budget together

AsUnited Familiespoints out, money may not be the real issue here if that’s the case.

“Talking about money in a relationship is non-negotiable.”

A couple in therapy