Many people fear money because they don't know where it goes and they're afraid to find out.

Women, especially, often let men take over the finances without knowing what they have or what they owe. It's not uncommon for the big things - like homes and cars - to only be in the man's name. A woman's role is often to pay for things like groceries or childcare - which can be significant expenses.

Even if you share everything, it's a good idea to be aware of the state your finances are in.

Knowing the facts - even if it's bad - is the first step to making things better.

This allows you to make a plan, cut expenses, and start to save. More importantly, it will give you peace of mind. When you've faced the worst and made a plan to improve, you can relax.

Saving is one of the most important things you can do for yourself and your family.

It's your cushion in an emergency.

Even if you think you can't save anything, I bet you might be wrong. Any food or beverages you purchase is money that could be saved. There are all kinds of ways to save.

One of the best ways is to have your bank automatically transfer a set amount each payday to your savings, no matter how small.

It adds up and adds to your peace of mind; it's well worth the small sacrifice it takes.