Have you ever hidden a checking or savings account, credit card, loan or other financial asset or liability from your spouse? © Khamidulin Sergey/Shutterstock.com

Lying to your spouse about spending and debt can be just as hurtful as sexual deceit. Have you been financially unfaithful? Take our quiz to find out.

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A one-time transgression or memory lapse might not signal a full-blown case of financial infidelity, but small deceptions about debt and other financial matters can lead to larger lies.

"Very often, it starts innocently," says Lili Vasileff, founder of Divorce and Money Matters, a divorce financial planning firm in Greenwich, Connecticut. "Then, the ball starts rolling forward, and it gets bigger and more difficult to deal with."
Good for you. Transparency is an important aspect of financial fidelity.
Next Question Do you gamble or do day trading of investments? © Lamarinx/Shutterstock.com
These activities can be a sign of financial infidelity if you indulge without your partner's consent.

That's true even if you confess afterward.

"Disclosing the intent in advance makes the communication more powerful," says Lili Vasileff, founder of Divorce and Money Matters, a divorce financial planning firm in Greenwich, Connecticut. "That's not the same as communicating after the fact."
Smart move. These activities can be addictive and lead to financial infidelity and growing debt.
Next Question Have you ever taken money out of a joint checking or savings account without your spouse's knowledge and permission? © larry1235/Shutterstock.com
For some couples, the occasional small withdrawal from a joint checking or savings account might not matter. For others, there can be major repercussions.

"For some people, the budget is everything, and if someone takes out $40, that can really upset the budget," says Paul Golden, a spokesman for the National Endowment for Financial Education, a Denver-based nonprofit.

Upset the budget repeatedly or go into deeper debt and your spouse might feel you're a financial cheat.
Good plan. Having separate monthly sums for discretionary personal spending could help ensure neither you nor your spouse feels the need to dip into a joint account.
Next Question Do you ever hide purchases from your spouse? © Derek Hatfield/Shutterstock.com
Hiding purchases from your significant other can be a sign of financial infidelity, says Gail Cunningham, a spokeswoman at the National Foundation for Credit Counseling, a nonprofit credit counseling organization in Washington, D.C.

"If you go shopping, and before you come home, you lock your packages in the trunk, that's a pretty obvious red flag that you're not being financially truthful with the person who's closest to you," Cunningham says.
Good for you. Being honest about your spending can save you from feelings of shame or fear that this behavior can cause.
Next Question Do you have financial secrets? © Stokkete/Shutterstock.com
Secrets aren't necessarily a sign of infidelity since some couples keep their finances separate and private.

But, a financial secret about credit card debt or withdrawing money from a bank account that you couldn't tell your best friend or financial planner should give you pause, says Mary Gresham, a psychologist in Atlanta.

Some people rationalize iffy financial behaviors like secretly adding to a prized collection of whatnots as investing.

"Most collections aren't good investments and certainly not (an expense) their partner would sign off on," Gresham says.
That's smart. Financial honesty is an important aspect of financial fidelity.

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