One of the most unpleasant conversations you can have with your wife/husband is about your financial problems. And normally, it isn’t just one problem you have, it’s multiple. Whether your conversation is about your debt or mismanagement of money, there’s not a special day of the year specifically dedicated to bring these up. So when and how do you do it?
First things first, you need to do it immediately. The longer you wait, the worse your situation gets. Where is the benefit of waiting to talk about your upcoming car payment that you have no money for? Or the list of repairs needed for the house that you can no longer ignore? The quicker you can hash out any of your feelings and frustrations, the faster you can create a game plan to get through these problems.
Source: Mediation and Counseling Blog