4 Budgeting Tips for Couples to Build their Relationship

Whether you’re still in the honeymoon phase or have been together for ten years, all couples can
benefit from communication. Being together means spending a lot of time together, which can also
mean spending money together. The truth is that money issues can cause a lot of conflict in any
relationship, whether it’s a family member, friend or spouse. Luckily, there are plenty of ways to
build a strong relationship together that can help you avoid money problems. 

Like with anything, being open and honest is always the best policy. If you try to avoid discussing
bills or money with your partner, it’s time to sit down and have a “money talk” together. There are
some fabulous free printable budget templates (created by Self Lender) to help ease into the
conversation and set your relationship up for success. Make it a date night and have fun with the
questions about childhood, memories, goals, and aspirations. You might be surprised to find that
digging deeper can help grow you closer. 

1. Have a ‘Money Talk’ Together

These money conversation starters are meant to give you a better understanding of the role
finances will play in your relationship and future. You don’t necessarily have to agree on every
stance, but knowing your partner’s view will help you work together. 

• What’s more important: liking your job or making a lot of money?
• Do you want kids someday?
• When would you like to buy a house (or not)?
• What’s the next big purchase you want to make?

2. Set Some Financial Goals Together

Goal planning is a common practice but have you ever sat down to list out financial goals? These
sleek templates can help inspire you to save more, make more, spend less, or grow your credit to
increase your financial stability. These could be anything related to your lifestyle or budget. Are you
saving up for a vacation? Do you want to reach a certain amount of savings? Are you working
toward a promotion? 

3. Budget As A Couple

Even if you have separate personal budgets, taking time to sit down together and make a habit
of accountability and responsible spending. If you split expenses, budgeting together is the best
way to make sure your beliefs align. 

4. Stick to Your Budget

Budgets can be flexible, believe it or not. There will be times that unexpected expenses that come
along. The best way to react is with flexibility. Work with each other and learn what helps and what
doesn’t. Use a calendar to help keep track of expenses and income to always be on top of your
finances. 

No one said budgeting is easy and it definitely gets more complicated with two people in the
picture. Be open, trust each other, and communicate with each other to build a financial foundation
that sets you up for a happy future together.