You’re ready to get the show started, and your enthusiasm is catching on with at least one of your closest friends. They may even be starting to think about doing something similar or following in your footsteps, literally. If you combine your plans and make it a group effort, it goes much better. What could beat making a new start with an old friend?

Be careful. No one likes a chatterbox! Even if you run into some juicy gossip about who’s seeing whom, or which friend is crushed out on the wrong person, you need to do whatever it takes to keep it quiet.

Being original means knowing what works for you two. As a couple, you have very particular needs. A one-size-fits-all approach simply doesn’t work in this matter, so go ahead and seek a special solution.

Even if you found all the loopholes, you still don’t qualify as an expert. Don’t bore others with your new financial regimen. Who knows, come next April, you may have fallen off the fiscal wagon yourself.