Couples who disagree about money once a week are twice as likely to divorce as those who disagree once a month or less. And there can be added difficulties for couple who are at least $10,000 in debt…and once in which one spouse disapproves of how the other handles money. What to do: Focus on both the financial and relationship issues. On the money side, consider working with a credit counselor-find one through the National Foundation for Credit Counseling (www.nfcc.org). On the relationship side, try a marital-education program from PREP (www.prepinc.com) or PAIRS Foundation (www.pairs.com).