Money may not have the power to buy happiness, but it sure can stress us out. In fact, a survey by the American Psychological Association pinpointed money as the leading cause of stress for Americans, with 72 percent saying they had felt at least some stress about money in the previous month.

What’s more, about one-third of adults with partners said money is a major cause of conflict in their relationship. Those survey results aren’t necessarily surprising, but there’s also no need to treat them as inevitable, says Cynthia Fick, author of the book “The Sisterhood of Money: The Art of Creating Wealth from Your Heart” (www.thesisterhoodofmoney.com). She has these tips to help couples avoid cash-induced conflict.

Accept your differences. “Just because your spouse’s views about money are different from yours doesn’t make that person wrong and you right,” Fick says. “Sometimes different is just different.” It’s important to stay open to compromise and be willing to listen to the other point of view, she says.

Act as a team. You both have knowledge, experience and viewpoints to bring to the situation. Take advantage of that because when you work together you are stronger, Fick says. “Think of it this way,” she says. “When both spouses are big savers, they might not have as much fun. When they are both big spenders, they might put their future in jeopardy because they won’t have enough savings.”

Don’t wait for a crisis to talk. Discussions about financial matters are best held when heads are cool and no major problem has erupted that would set stress levels spiking, Fick says. “You can set a regular time to talk about your money situation so, hopefully, it will be a more relaxed atmosphere,” she says.

If necessary, seek help. The two of you don’t have to go this alone, Fick says. If you need financial planning assistance, money management counseling or even relationship counseling, you should seek assistance from a professional. That person can listen to the concerns of both spouses and offer advice from an objective and knowledgeable standpoint, Fick says.