One of the best money saving habits a couple can have is sitting down with your spouse once a month and calmly reviewing your budget and credit/debit card history for the month. You can talk about the purchases that did not exactly contribute towards your financial goals. Have a discussion without accusing each other, doing it monthly helps catch trends that could become problems. It really helps to work as a team. Master this habit, and you are bound to see a real acceleration in your debt reduction.