Financial honesty can be brutally difficult, but there are ways to break the ice with partners, friends and family.

20. Get creative with gifts You can save money with affordable gift ideas, like herb gardens and books, or go the do-it-yourself route. Baking cookies, creating art or preparing someone dinner can ...

But McMillan didn’t let this disinheritance backtrack her finances — and you don’t have to either. Have the conversation.