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Cohabitation is the new norm. NYTimes. com (most recent data available)MANAGING THE DAY- TO- DAYOPTIONS FOR CASH MANAGEMENTYou can put your earnings into one joint checking account and pay all of your bills from it. But, keep in mind that you are both liable for any overdrafts on the account. Many couples, married or not, continue to keep separate checking accounts and add a new joint account for their shared expenses. CONTRIBUTE EQUAL AMOUNTSIf your salaries are about equal, each of you should put the same dollar amount in the joint account. CONTRIBUTE BY PERCENTAGEIf one of you earns more, it may be better to contribute on a percentage basis. For example, if one person earns $4. INSURANCEShould your health insurance change to that of your partner? Many companies offer the same benefits to. We were married in July of 08 and have two children. We enrolled in the Married Army Couples Program. Married Army Couples Program/Joint domicile? 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For an unmarried couple, government and certain company retirement benefits available to surviving spouses will not be available to a surviving partner. You've used these to establish your own credit history and credit scores. It may seem easier to combine them now that you're living together. But remember, with shared credit comes shared liability. Depending on your respective credit histories, you might be best served by keeping your own credit cards. TRUE OR FALSE? Since you and your partner. FALSEYou're right. Whether you're married or not, if you decide to add your name to your partner's credit card, you will be assuming all of his or her credit card debt and if either of you has mismanaged your credit, the poor credit rating will negatively affect that of the other. Sorry, the answer is actually FALSE. Whether you're married or not, if you decide to add your name to your partner's credit card, you will be assuming all of his or her credit card debt and if either of you has. PICKING UP THE TABIf you have more money than your partner, you may be tempted to simply pay all the expenses. This can be complicated, though. Married couples may transfer unlimited funds and assets between themselves without any gift tax consequences, but this isn't the case with unmarried couples. When one partner pays all of the expenses of another partner, some level of gifting probably occurs. You can give up to $1. HELPFUL TIP: In addition to the $1. WHY PROPERTY TITLES MATTERThere are income, gift and estate tax issues related to titling property. Before placing any property in joint ownership, you need to consult your legal and tax advisors for a. CLICK A NUMBER TO LEARN MORE. SEPARATE PROPERTY. Titled in your own name. You own property. You control how property is eventually transferred. TENANTS IN COMMON. Each partner has undivided ownership in the property, based on his or her. Each has control over the disposition of his or her respective interest. If only one partner contributes, the other partner receives his or her interest through a gift. PLANNING AHEADWhen you've made a commitment to someone, it's natural to focus on all the good things about your relationship. It can be tough to think about potential problems in the future. But, it's important to plan and prepare now, instead of waiting and trying to deal with things if something happens. For married couples, there are laws in place that automatically. This isn't the case with unmarried couples. As a result, it's critical that you establish and maintain documents that reflect your wishes for each other. We suggest that you consult your personal legal advisor before making any planning decisions. IT'S IMPORTANT TOPLAN AND PREPARE. CLOSESimilar to prenuptial agreements, these legal documents outline the sharing of income, expenses and property, as well as intentions for asset division in the event of death or the relationship ending. 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