Planning with your partner will help keep costs down. Make time to talk about meal planning, clothes, furniture and etc. I heard from a wise man that his wife and he talk about anything over one hundred dollars. Oh yes, if you are spreading out the time you should do that too. I hope all will forgive me for not writing more I am slowing down so that I can be better. Double Planning is a couple dissension. Make time or pay down the road. Have a great day. Make time to smell the roses my mom use to say.