Well, I would say you have to know what you're planning for,
that is your goals. It's just like planning things for yourself,
like what grades you want to get for your exams at the end of the
year, to what school you want to enroll, and what you see yourself
at the outcome of it. It has to be worthwhile to you and your
partner, if not both of you will never make it through because the
r/s would not mean anything to one of you or even both, and thus
the r/s will dwindle off.
Financially unstable can seen as a problem as probably you might
have faced, but it can also be seen as a challenge. For instance,
you can ask yourself if what you want work as in the future, as
well as your partner's, then check out the salary and and promotion
opportunities. You and your partner can plan out individually where
you see yourselves first, and begin to match things up and see what
adjustments are needed to be made.
In fact, planning can also help to strengthed the r/s as both of
you work it out together against the odds. It may seem a lot of
work before there planning, therefore the goal has to be something
that both of you really want, and be heading towards, so that it
would motivate both of you to propel towards it. In fact, it's also
good to have the two of you working towards it, as you can remind
each other, and push each other.. =)