Obviously, if you can live without credit-card debt, fights over money decrease enormously. “Credit cards are a necessity in this day and age, but make sure you own them, not the other way around,” says Motske. That means paying them off every month. If this is not possible, get serious without getting mad at each other: Fill a clear container with water, toss the credit cards inside, and place in the freezer. (If you cut cards up and close accounts, your credit score will suffer.) This way, you’ll get a visual reminder that they’re frozen and an obstacle if you’re tempted to cave. When the balance is paid off, thaw the cards. (But not in the microwave—many cards contain metal.) They will still work.