In honor of Valentines Day, "It's Your Money" helps you resolve to make your money work for you as a couple.

Forget thinking of your spouse and kids as a family and start thinking of them as a major league sports team.

Athletes play to win and so should you. Here are some tips from our financial expert, Heather Davis Richards of Essential Knowledge LLC, on how to to have your best season ever.

First of all, really play as a team. Don't shop secretly or splurge without talking about it, Davis Richards said.

Secondly, have a defined game plan. Start by developing a budget and agreeing on where cuts can be made.

Next on the play list, have weekly team meetings. Even the kids can be team players for part of this. They don't have to sit the bench.

Finally, reward yourselves for a winning game. It could be a vacation or something for the house that benefits the entire family, Davis Richards said.