10 Essential Money Habits of Highly Effective Couples 

Financial planning can be a source of frustration and friction when you have different attitudes toward saving and spending or aren’t sure where your money should be going.

Here are 10 habits that can help you become one of those couples that “have it together” when it comes to their money — and tips on how to get there.

1. Understand You’ve Shared Vs. Personal Expenses

Get out a spreadsheet or pad and paper and start making a list of your shared and personal expenses.

2. Know Your Strengths and Weaknesses

Figure out how each one can own a financial role that feels joyful and not a miserable chore.

Couples that manage their incomes effectively juggle their short-term and long-term goals and allocate their paychecks into the near and distant future.

3. Understand Your Needs, Wants, and Goals

Taking the time to learn each other’s money stories and how their attitudes developed over the years can help couples build intimacy and understanding.

4. Learn Each Other’s Money Stories

5. Set Up Monthly Money Dates

A money date should happen once a month at an agreed-upon time after the dishes are done and with a glass of wine or a comforting dinner.

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