A broke black couple.[Photo/AtlantaBlackStar]

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All is well in love and romance. But once a couple thinks about settling down, they realize that love is not quite enough. 

A little something called money is needed. Just because you do not have money does not mean you should not get married. There are a few things you can do to make things easier. Many sacrifices will be made to get your lives together. It is crucial for both of you to understand each other. Such a time could mean many hours working and little income. In this difficulty, you need to understand each other as you chase your dreams. Understand your exact financial situation and make a suitable budget. Live where you can afford and maintain a lifestyle that is easy to keep up. Since you are not financially stable, you can plan to have kids after getting things together. Children are a huge responsibility, especially financially. They can make it more difficult to survive on little money. They require much upkeep. Focus on saving for projects and business. It does not matter whether it is a stall, small hotel or hairdressing, get something rolling. Get something started. Every shilling matters.