Financial infidelity "It's always a very awkward counseling
session," said Claire Gray, credit counselor at Apprisen
Financial Advocates in Columbus, Ohio.  Gray remembers one
married couple, in their mid-50s, who came to her after being
sued by a creditor. The husband had racked up some $50,000 on
credit cards he opened behind his wife's back, which the wife
discovered only when she tried to refinance their home and was
denied a loan.    A couple should have a budget they both agree
on, and they should go over what they're making and spending
every payday or at least once a month, Gray said. Even if you
have personal debt that you plan to pay off yourself, it's wise
to disclose it to your spouse, Goff said. With the job market
precarious, you never know if you might suddenly find yourself
without income. Also, if you have to file for bankruptcy and you
co-own a home with your spouse, you're both going down.  "People
need to be truthful," Goff said. "Eventually it will catch up
with you."  Clandestine cash  T