DEAR SOMEONE ELSE’S MOM: Growing up I always remember my parents shared their income and saw it as family funds. But my husband is always referring to “my money” and “your money”, and it kind of bothers me. I always hear how money is a source of trouble for couples and we have enough for what we need, but should I be concerned that we see things so differently? --- BELIEVER IN JOINT ACCOUNTS

DEAR BELIEVER IN JOINT ACCOUNTS: While the majority of couples may share your parents’ philosophy, there are many who keep money in a separate bubble from the rest of their shared assets. Your husband may feel the need to have independent funds, or that when it comes to money, your partnership is more on a business than a marital footing, which may work for him, but not for you.

Since it’s causing you concern, you need to have an open, honest discussion about how you feel your finances should be conducted. It may be an eye-opener for you both, and until you understand each other’s perspective, the situation isn’t likely to improve.

DEAR SOMEONE ELSE’S MOM: Let me start by saying I am not a prude, but when I saw the gown my daughter bought for her wedding, I really had to bite my tongue. It cost her a fortune and it is cut so low in the front and back that little is left to the imagination. She is having a church wedding, at the church she grew up attending. My husband and I don’t know what to do. We’re fairly certain the priest will not appreciate the boldness of the dress, and neither will some of our older relatives and friends. How do I tell my daughter her dress is inappropriate for a church ceremony? --- BLUSHING MOTHER OF THE BRIDE

DEAR BLUSHING MOTHER OF THE BRIDE: Talk to your daughter and let her know your concern. Many churches require brides to cover their shoulders during the ceremony. Check to see if yours is one of them. There are loads of options for cover-ups, jackets, or wraps that your daughter could wear during the ceremony.

DEAR SOMEONE ELSE’S MOM: I have been dating my girlfriend for two years now and we are definitely beginning to think long-term.

Because of several things going on in my life right now, I am not in a position to propose, but I intend to by the end of the year. I just really think my girlfriend is expecting a ring for Valentine’s Day, and I know she is going to be disappointed. Should I talk to her about this, or just let it go until I can afford to do it all right? --- SO CLOSE, BUT NOT THERE YET

DEAR SO CLOSE: If you have discussed where your relationship is heading ─ and I do mean discussed, not just assume you’re on the same wavelength ─ then the way to go may be letting her know you have plans to make things official, but they won’t be happening on February 14th.

It’s all about communication, and the better you get at it, the better your chances are for making a successful life together.