You're a saver. Your spouse is a spender -- maybe even a big-time spender. Is your marriage doomed? Not necessarily. Financial experts say that communication is the key to crafting a successful marriage -- even when one spouse would rather sock away money and the other prefers to spend it until it's gone. The worst case? When the spending spouse and the saver don't talk about their financial issues until a giant credit-card bill forces them to address the problem. "It's all about communication," says Leslie Tayne, founder of Tayne Law Group, PC, a law firm based in the New York City area that specializes in debt assistance. "Too often, spouses hide their spending because they don't want to deal with the repercussions. The other spouse is taken by surprise when they receive this huge credit-card bill. That's not the way to handle the situation. This can put great stress on a marriage." The better approach? Spouses need to talk out their financial problems before they can resolve them. And those spouses who are spending so much that they're building an insurmountable pile of debt? They need to identify why they are spending so much and take steps to stop their dangerous financial behavior.