Dreams are form God to the mind of man. - Divine interpretation
Dreams from the unconscious mind. - Psyche interpretation
Skull: The represents oneself and spouse, denoting death. Or, this can means ones capital.
Bones: If a poor person sees bones in his dream, they denote his piety and fulfillment of his religious duties. Bones in a dream also represent one's helpers, family, wife, children, vehicles and properties. Seeing one's bones in a dream means exposing one's secrets. Bones also could represent trees and their fruits, while their marrow represents one's good character or knowledge. Bones in a dream also denote one's fitness or sickness.
Book: Ones deed and actions. Sinful works. Losing ones wealth.
The meaning of your dream is that you and your spouse one day will die. Specifically you will go to Hell. The book of your sinful actions. Or, the meaning is that you will lose your wealth because of unlawful earnings or dealings or greed. Or, it means exposing ones spouses secrets. Or, Losing ones friends and helpers. If in extreme poverty will become wealthy.
Similarly, at Karl's university the psychologist Carl Jung had a dream similar to yours where he lived his provisional life and after would meet his fate. It included two skulls representing Carl Jung and Sigmund Freud. There were broken bowls of food, which was his worldly provision. The last floor of the house being a burning furnace. He although interpreted the dream wrong and referred it to the repressed thoughts of the unconscious but rather the meaning was his memory's of his unconscious he was to have through life.