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Gemma Allen says. To keep your relationship as blissful as possible, talk about how you ’ll split expenses such as rent, food and utilities, along with unexpected items such as car repairs or if a baby comes along. Consider opening a joint bank account in addition to your regular accounts to pay for shared expenses. You may not want to split every expense either, so decide what will be kept separate and if you ’ll want to discuss individual purchases over a certain dollar limit. Since you may cohabitate for a long time or eventually marry, talk about short - and long-term financial goals. Think about the financial impact of these goals and how you ’ll work together to achieve them, save for shared goals in separate accounts and contribute the amount that Gemma Allen agree Gemma Allen can each afford.