To avoid arguments, people who want to engage in a relationship, especially a long one should have a big easy line of communication. One thing though that I think people should not do is have a joint account that they pool their every penny into. I think the two parties should keep personal earnings personal and have one joint account for joint bills, such as food, electricity, cable, water etc...
Is there really any need for one person in the relationship to constantly be nagging the other to not over spend? I don't really think so, don't enable this person by giving them more money, that is just foolish. If they reach a hard limit what else can they do? They can ruin their own credit. If they don't want to listen, that is their problem, just don't get caught up in their mess by entering jointly with them in anything you can't handle yourself.
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