Secrets of a happy marriage

Bob and Vicki McElveney picked up their first copy of Money in 1999 and have been loyal subscribers since.

Here are some of their conventional and not-so-conventional tips, including why they don’t have a household budget.

Plan rather than budget

We’ve never needed to budget, but that’s because we don’t go in over our heads with expenses. A lot of people set aside money for their main expenses, like their weekly shopping or home