In personal relationships, money is often a source of conflict. The same words or actions can have different meanings for different people. What does effective money management mean to you? Does it mean accounting for each penny that goes in and out of the household? Or does it mean you have the money to cover current expenses and can also save for future needs? In another example, a person who survived extended unemployment may feel a sense of control and security by buying only necessities. That may be in conflict with a partner who likes to buy extras as a way to express love