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Married or unmarried, when a couple moves in together there is more to the arrangement than who takes out the trash. Money is woven throughout the fabric o Money is woven throughout the fabric of modern relationships and it’s important to the relationship for both parties to be on the same page, right from the start.

Andrea Browne, channel editor for Kiplinger’s Personal Finance, says it starts with a clear understanding of who has a right to live there.

It’s especially important for unmarried couples. Of course, couples rarely think about that while in the full bloom of their relationship.

But things can change and that’s why Browne suggests unmarried couples take the additional step of drawing up a cohabitation agreement — something like a prenup for singles.

She says the agreement should also address banking issues.

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If there is a joint bank account it should spell out how much each couple contributes to that bank account. Couples don’t necessarily have to consult a lawyer to draw up a cohabitation agreement.

Browne says an informal document, signed and notarized, will do just fine. For example, a recent survey commissioned by the National Foundation for Credit Counseling NFCC found couples view debt as a highly undesirable characteristic for a potential mate.

Ten percent would marry but not help pay the debt while seven percent would take the somewhat extreme action of breaking off the relationship. When two individuals decide to become a couple, they often combine their financial resources.

But a mistake many couples make, says Browne, is assigning just one person to keep the books. Browne recommends each partner take turns each month managing the bank account and paying bills.

That way both parties are well acquainted with the couple’s financial situation — what’s coming in each month and what’s going out.

Once married, Browne says couples should immediately start planning for their retirement. In fact, she says that planning should actually start before the wedding.

Once marriage is a real possibility she suggests both parties discuss retirement and how they plan to fund it. In other words, money should be an ongoing theme of what couples talk about right from the start.

Depending on your tax bracket, a penny saved from your take-home pay can equal more than one and a half pre-tax pennies earned Nowadays, depending on your tax bracket, a penny saved from your take-home pay can equal more than one and a half pre-tax pennies earned.

Yet too many of my fellow Americans can’t be bothered to save that penny because they think it’s only a penny, and a penny buys nothing these days anyway so why bother?

Because — at the risk of channeling Captain Obvious — those pennies add up more quickly than you think. Time isn’t fungible, but money is.

Suppose, for example, I tell you a way you can easily cut a minute off your daily morning get-ready-for-work routine. Would you do it? It’s only a minute, and sixty seconds more or less makes no difference to me.

Nope; time isn’t fungible that way. But money is.

It’s only a dollar, and one dollar more or less makes no difference. Those pennies and dollars especially matter to me, a former English major whose postgraduate career has consisted entirely of English-major jobs.

So I can’t tell you how to get rich, because hellafino. But I do know some tricks to help you be not-poor, or at least less-poor — and since average American wages haven’t been keeping pace with inflation these past many years, saving your pennies might be your only chance of earning more.

Which brings me to my second trick. Granted, your success in this strategy depends partially on where you live — you can’t shop at a good thrift store if there aren’t any near you.

Even the best thrift stores won’t always have good offerings — sometimes I leave my favorite store with a bagful of bargains, other times I walk out empty-handed.

The main problem with secondhand stores is that you can’t always find what you need when you need it.

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Like that warm winter coat: if you visit your local thrift store regularly, I can almost guarantee that at some point in the next few months, you’ll find a nice, warm, good-condition coat in your size.

But right now — I’m typing this at the end of February, with daytime temperatures below freezing — well, maybe you’ll find a nice coat today but the odds are against you, since you’re not the only one wanting a coat now and the fashion plates who donate their old clothes at the end of every season aren’t donating their coats yet, either.

Which brings me to my next bit of advice which, I admit, might sound counterproductive at first. Specifically, buy stuff that won’t go bad before you use it.

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Next-season clothing for yourself or too-big clothing for your growing kids is the most obvious example, but it also applies to certain consumable goods.

My home-supply closet, for example, is full of soap, toothpaste, detergent, dental floss and other non-perishable goods I use on a regular basis, but only ever buy on sale.

Unless I do something stupid. Like last year, when I went on vacation and, upon reaching my destination at some ridiculous hour of late night or early morning, realized that I’d forgotten to pack any toothpaste.

Meanwhile, in my home storage closet, I had multiple tubes that cost me only a dollar apiece — same brand, same size, but I stockpiled when they were on sale, rather than wait until I was out of toothpaste and had to pay whatever price I could find.

With luck, the beans will go on sale again before your current supply runs out. That’s why you also need to It sounds obvious but it’s easy to forget that the lowest price or sale price isn’t always the best price.

Not always; remember, I specifically mentioned same brand and same size.

And size does matter, at least when you’re looking for bargains. The dollar option certainly takes less money out of your pocket — at least for now.

But what is the actual unit cost? In the long term, the more expensive purchase actually offers the better deal — assuming you’re going to buy and use the whole six ounces anyway.

For things like soap and toothpaste, you definitely will.

I’ve written to warn you about that before — even in the best-case scenarios, customers of such places pay at least twice as much as they would in a regular retail store.

A penny here and a dollar there may not seem like much, but those pennies and dollars add up faster than you think.

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Consumers shouldn’t have to fight to get access to their credit scores and related content. That’s the thinking behind a call by the Consumer Financial Pro At the same time, a report released by the CFPB found accuracy issues top the list of credit reporting complaints the it gets from consumers.

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Most Americans have a credit file. Credit reports and scores can determine everything from consumer eligibility for credit to the rates consumers pay for credit.

Because of the significance of these reports, consumer reporting agencies have been a major focus for the CFPB. The three biggest credit reporting companies each maintain files on over million consumers.

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These files are based on information supplied by thousands of providers, also known as data furnishers. As it issued its report, the CFPB warned these furnishers not to avoid investigating consumer disputes.

Fewer than one in five consumers check their credit report in any given year. Without a regular review of their credit report, they may not notice errors in the data or even identity theft.

Recently, some credit card companies have made credit scoring information freely and regularly available to their customers on monthly statements or through online access.

A regularly available credit score may prompt more Americans to review their credit standing and pull their free annual credit report at www.

Between October 22,and February 1,the The CFPB handled roughly 31, complaints from consumers frustrated with credit reporting companies.

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The majority of those complaints have been about the accuracy and completeness of credit reports. Colene of Stayton, Ore.

They put a Sears number on it and began billing me. I do not have a Sears account. They have billed me for 15 months. I told them that I would pay them directly – the airlines, hotels, etc.

But when I called, they were already paid by Capital One using that number. It never did get on my now credit card number. I get letters full of lies from Citi.

They always talk about my Sears credit cards that I don’t have.

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They sent it to a collection agency and to credit reports. I have never had bad credit. Capital One can’t find the charges.

Now what? Consumers can file a dispute with a credit reporting company if they believe an item on their credit report is inaccurate.

When they do, the company generally must inform the data furnisher and forward all relevant dispute information.

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The furnisher must then review that information, conduct an investigation, and respond to the credit reporting company. The company should then amend the credit report as appropriate.

If a consumer is not satisfied with the result of a dispute, he may submit a complaint to the CFPB. The agency processes complaints and sends them to the credit reporting company.

The CFPB then expects the company to respond within 15 days with the steps they have taken or plan to take.

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The Bureau has published a supervisory bulletin warning companies that provide information to credit reporting agencies not to avoid investigating consumer disputes.

The Bureau has observed that data furnishers sometimes respond to a dispute by simply deleting the disputed accounts from the information they pass along to the credit reporting company.

This practice can be detrimental to consumers. Once a consumer has filed a dispute — if the furnisher finds that there is an error with the data it provided to a credit reporting company — it must notify all companies that received that information.