Guests on the line: Paulvia Shiburi -Founder of PS Debt Management and registered Debt Counsellor and Financial Planner.

Arguments about money hamper many marriages. When you consider that about a third of adults with partners report that money is a big source of conflict in their relationships, it's no wonder that financial problems are a leading cause of divorce.

What you may not know is that the challenges can actually start even before you say "I do."

When most couples imagine the conflicts they'll have to resolve as a married unit, the subject matter is decidedly mundane. That can include how to decorate a new home, whether or not to get a dog, or something as simple as who gets to sleep on which side of the bed. In reality, a large portion of marital conflicts revolve around something more complicated—money. Three couples tell their stories.

Whether directly or indirectly, a couple's financial situation can affect every part of their life. It's no exaggeration to say that how a couple navigates these issues can determine the entire course of a relationship.

For many couples, debt and different views about money are at the root of many relationship problems. Research has found that couples who had similar amounts of debt had fewer money fights than those with disparate levels of debt.

· How can money affect different types of friendships?

· What are the dangers of getting into debt while you are getting a loan for your partner, family, friend etc.

· The dynamics of debt concerning couples.

· How to navigate a debt where you find yourself in a relationship or marriage with someone who is already in debt.

· Is it possible or necessary to do background checks on our partners in terms of debt before we get into partnership.

PS Debt Management is a financial service provider registered with the National credit regulator (NCRDC3262).