I'm Karen!

I am a blogger and finance coach. My specialty is helping couples get on the same financial page and win with money and marriage. 


Personal Finance


Financial Planning

Tips for a healthy relationship with money and marriage

I know from personal experience that money and marriage can be tricky. Read my tips on how you can have a healthy relationship with money and marriage.

I know that managing finances as a couple can be challenging, particularly when one partner is totally overwhelmed or reluctant to talk about money. 

You may not only be struggling to talk about money, but you may be facing differences in income, existing debts and completely different money mindsets. 

So, how do you manage money and marriage successfully? 

Believe me, there is a way to get on the same financial page, create money goals and crush them as a team. 

Read on to discover how! 

Money is the top issue that married couples argue about, and it’s the second leading cause of divorce, right after infidelity. When discussing money in any relationship, it’s almost a 100% guarantee that you’ll have times of disappointment and frustration. 

Getting on the same financial page can be a tricky journey, after all, two people from two different backgrounds may not have been brought up to think about money in the same way. You have to work together to create a new page. A page where you are thinking and working together, as a team. 

When you feel that you’re ready to talk about money, or you’d like to treat yourself to something extravagant, I suggest that you find a time that suits you both. When you’re not rushing out of the door and you’re not expecting visitors. 

Remember that the comparison trap is the thief of joy and what works for your friends down the road, may not work for you. 

Here are my tips to help you have a healthy relationship with money and marriage: 

You can WIN with money and marriage

Financial Checkup: Know Each Other’s Financial Situation

Many couples avoid discussing money before marriage, but this can be fatal to your marriage. Past financial mistakes can impact your future together so It’s important to understand each other’s financial situation.

It’s only fair that you are both aware of each other’s financial situation before you get married.  

Understanding your partner’s spending habits and overall financial picture will help you make informed decisions on how to merge your finances after marriage.

Understand Your Partner’s Debt

It’s essential to understand if your partner has any debt before combining finances.

You should also be honest if you have any debt too. 

If necessary, work together to pay down debts. You don’t have to clear each other’s debt (I wouldn’t advise this until after you are married) but I would recommend that you encourage and support each other as you work towards becoming debt free.

Before you get married, I strongly suggest that you keep your finances separate. For example, avoid opening a joint account, co-signing, or adding your partner as an authorised user. I have heard of many stories where one partner clears thousands of pounds worth of debt, only to find the relationship terminated a few months later. 

Read more: Get out of debt fast

Create an Actionable Budget

Gather all your bills and paperwork and put everything on the table. It’s important that there are no secrets here. 

Calculate your monthly expenses, combined income, and what’s left after all expenses. Don’t forget to include potential wedding or honeymoon costs. It’s also helpful to set spending limits. Before you get married, agree on a set amount each of you can spend without consulting the other.

And remember, this isn’t about control, it’s about setting clear expectations in an open and honest environment. 

Read more: How to create a budget in 6 easy steps

If you need a super, simple budgeting tool to get you started, check out my Happy Couple’s Budgeting Tool: Set Your Financial Goals in 15 Minutes and Reach Your Dreams!

Take my Get On The Same Financial Page Coaching Programme Together

Taking my signature coaching programme has helped many couples to get on the same financial page.

During the coaching programme, both partners learn about each other’s financial history and upbringing. Our time together will help you develop both long and short-term goals and identify each person’s financial triggers, strengths, and weaknesses. It will teach you more positive ways to communicate about money.

One couple that I have worked with has said, “Thank you for helping us get on the same financial page. We are now working together to build a better financial future for our family.”

If you would like to know more check out: Get On The Same Financial Page Coaching Programme

After Marriage: Keep a Joint Bank Account

Some couples believe that keeping separate checking accounts is the best way to avoid money arguments. However, this approach can lead to major problems. You can hide things when you have separate accounts. 

Take it from me, marriage is a partnership; it’s no longer “his and her money.” Separating money and splitting bills can lead to more financial and relationship problems in the days ahead. Instead, put all your money together and view it as a whole.

Have a Financial Date Night

Talking about money should be a healthy, ongoing conversation—there’s no need to wait for something to go wrong. Set aside time each month to discuss money and congratulate each other on your money wins – no matter how small!

Read more: What is a money date and why you should have one

Discuss Lifestyle Choices Together

For example, you might be content shopping at charity shops, while your spouse prefers buying name-brand items at full price. If your income doesn’t support an expensive lifestyle, this could be a problem. Marriage requires compromise. If one of you has more expensive tastes, consider shopping at outlet malls to get those brands at lower prices. You need to think WIN – WIN and find a way that works for you both. 

Recognise That You Are Both Different

Everyone’s attitude toward money is different, and opposites often attract. One partner might enjoy creating a spreadsheet and looking at the numbers, while the other prefers not to be restricted by financial details. In most marriages (but definitely not always true), one spouse might be a saver, and the other a spender. 

This exactly describes my husband and I! I am the saver – the nerd – and my husband is the spender! 

While it did cause a few problems at the beginning of our marriage, we have worked it out. I help my husband to rein in his spending and he helps me to be less frugal and enjoy our money by purchasing experiences for the family! 

Don’t Let Salary Differences Come Between You

In many marriages, it’s quite normal for one partner to earn more than the other. However, it’s important to view income as “ours” rather than “yours” or “mine.” 

There shouldn’t be any quarreling about who earns more, you’re a team now and you should both have an equal say in the family finances.

Be open and honest

Being unfaithful in a marriage doesn’t always involve an affair; it can also mean being dishonest about finances. 

Having a secret bank account or credit card is underhand. 

It is vital that you are open and honest about any accounts or credit cards. 

If you are both aware of the full picture, you can make an actionable plan and create money goals. But this will only work if you are truthful. 

Set Expectations Together

The movies and social media have portrayed unrealistic expectations for relationships in many areas. One of these areas is personal finances. 

Many newlyweds have unrealistic expectations about money. For example, many young people want to move into a new home with a new furniture and expect the house to be clean 24/7! They also presume to have at least two holidays overseas each year. I hate to break it to you but that’s an unrealistic expectation. 

Newlyweds need to focus on getting their finances in order now so that they can plan for such luxuries later. For example, when we first got married, we had second hand furniture that was given to us. It was mix and match but it worked. It definitely wasn’t designer and nothing like you see in the magazines and that was ok. We knew that we couldn’t afford brand new and so it was never a problem.

I believe that if you go in with realistic expectations, you won’t be disappointed. Or thousands of pounds in debt. You get to choose. 


Building a solid marriage requires time and intentionality. While it may be awkward or frustrating, you can learn to discuss finances in an open and honest environment and that’s what matters. 

For many couples, the only time they talk about money is when they are arguing.

It doesn’t have to be that way. 

Learn from my mistakes and find a way where you can talk in a positive way about money. 

If you are willing to be open and honest with one another, show grace and talk in a calm, non judgemental environment, then we can change that. 

Join my Get On The Same Finance Page As Your Spouse Coaching Programme and let’s get you talking about money in a positive and productive way. 


Being on the same financial page as your spouse.

Manage bills, together, with no stress.

See where your money is going.

Create money goals and CRUSH them together, as a team. 

And save for that holiday that you’ve been dreaming of!

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