Some couples believe their spouses are cheating on them if they are secretly using joint bank accounts to purchase unnecessary items or feed unhealthy habits. If financial infidelity is occurring, it may mean that divorce is on the horizon. These feelings of betrayal and outrage occur across the country, including in Washington.

When one spouse purchases items that are not in the budget and not within the couple's means, it can be an indicator of a financially unstable marriage. This can also be true if you are in a situation where you are the one making the purchases and don't think it's necessary to consult with your spouse first.

Trust problems occur when your spouse commits financial indiscretions involving joint accounts, which results in budget problems and savings sets backs. It's common for couples to have conflicting views regarding money management, but the overall financial picture should include proper communication and mutual agreements. Talking consistently and candidly about finances can help keep the lines of communication open.

As a couple, create an effective household budget and which financial goals to include. Make compromises when goals differ significantly from one another. It's important for couples to understand what is important and to create workable budgets and set goals accordingly.

If your money style differs considerably from your spouse's, consider using separate bank accounts so each of you has control over a specific amount of money. If the spending issues still occur and you experience financial infidelity, look at the entire picture by having a discussion with your spouse about the situation.

Source: Huffington Post, "Are You a Victim of Financial Infidelity?" Suzanna de Baca, Jan. 20, 2012