If one partner handles the day-to-day spending and the other partner deals with long-term savings, this can cause problems in the relationship. This kind of task division can cause conflicts. If you want to handle one job at a time, consider switching roles each month by one person handling daily expenses while the other handles investments, then switching. You can also share the roles equally. Set a time each month to pay bills, discuss spending, and look over savings. Plan something fun to do together afterward, such as going to a movie or going bowling. This way, the money talk will feel less like a chore and you will have something to look forward to afterward. If your current situation isn't working well or causes many difficulties, approach banking in a new way. For example, you can share one bank account (used for paying bills, household expenses, groceries, and vacations, and cars) and then have separate accounts for your own personal spending. Be creative in finding an approach that works for you and that minimizes conflict. When you first fall in love, you may throw caution to the wind and spend money on special experiences together. Yet, before you know it, you may run out of money which can lead to conflict. Find a realistic way to budget that both of you agree upon. You may work with a financial planner, create a budget on your own, or use an online/smartphone application to track your spending. While nobody likes to budget, it can be helpful to track your spending for a month to see where the money goes. After that month, see your "money pits" and figure out a plan to spend money more meaningfully the next month. Slowly allocate your money to places you'd rather spend it.

Summary: Divide financial duties differently. Try a new approach to banking. Use smart budgeting.

If you bring home clothes from a thrift store, wash them immediately in very hot water. You can also run them through a hot dryer. The process should kill off any bed bugs in the clothes. It may be tempting to take home what seems to be a perfectly good couch on the curb. However, furniture can harbor bed bugs, and you could be bringing them into your home. If you buy a used mattress, make sure it has been professionally cleaned first. To be on the safe side, you can encase the mattress and box springs in dust-mite covers to keep the bed bugs from biting at night. Before settling in, check your hotel room for bed bugs by inspecting the mattress and the area around the bed. Keep your luggage as far away from the bed as possible. You can use the luggage rack for your suitcase, especially if it is away from the bed. Try not to leave your luggage on the floor. When you return from travelling, immediately wash all the clothes you took on the trip on a hot temperature. Also, leave your suitcase in the garage if possible. If you have bed bugs, you may need to throw out furniture in bedding. Before doing so, you should slash up the pieces, so that other people will not take them. You should also consider leaving a note with the items for the same reason.

Summary: Wash thrift store clothes immediately. Avoid picking up furniture. Buy new mattresses. Inspect the room at a hotel. Wash clothes after a trip. Be considerate to others.

Click or double-click the Numbers app icon, which resembles a series of white, horizontal bars on a light-green background. If you want to create a blank spreadsheet, do the following and then skip ahead to the "Know where to place your data headers" step: Click the All tab in the upper-left side of the Numbers window. Click the Blank template in the upper-left corner of the page. Click Choose in the lower-right side of the window. On the left side of the window, you'll see several tabs (e.g., All, Basic, etc.). Clicking a tab will display a list of templates in that category. You can also just scroll down through the list of templates in the middle of the page. Click once the template you want to use to select it. It's in the lower-right corner of the window. Your template will open in Numbers. If you're using a pre-formatted template, fill out the necessary cells to complete the template, then skip ahead to the "Save your spreadsheet" step. Skip this step if you aren't using a template. Some templates use multiple spreadsheets which you can switch between by using the tabs in the lower-left side of the Numbers window. You'll usually place headers in the 1 row at the top of the sheet. For example, if you're creating a list of employee names organized by department, you might place one department title in cell A1 and another in cell B1, etc. Click once the cell in which you want to insert data. For example, if you want to type the word "Date" into the cell A1, you would click cell A1. Type in the word, phrase, or figure that you want to enter into the cell. Press Return to do so. Your cell's data will be formatted and saved. You can fill out the rest of your spreadsheet as you please. If you want to use a cell to combine the results for a list of cells into one sum, you can do the following: Select an empty cell. Type in =SUM( followed by the cells you want to add in "A1,B1,C1" format and a closing parenthesis (e.g., =SUM(A1,B1)). Press Return. Review the sum. Once you've finished creating the spreadsheet, you can save it as a file on your computer by doing the following: Click File in the upper-left corner of the screen. Click Save As... in the drop-down menu. Enter a file name. Select a save location (you may first have to click the "Where" drop-down box to see a list of locations). Click Save.
Summary: Open Numbers. Create a blank spreadsheet if you like. Browse the available template categories. Select a specific template to use. Click Choose. Fill out the template if necessary. Know where to place your data headers. Select a cell. Enter your data. Save the data. Enter any other necessary data. Add cells together. Save your spreadsheet.