AmazementWhen people are in a relationship, there are many things that they need to consider and agree upon. Some of the most important considerations though, are financial goals.

How one person in a relationship handles money can significantly impact their partner and their relationship as a whole.

Discuss Financial Matters Early

When people first begin a serious relationship, they are often quite excited, and the furthest thing from their minds is financial matters. However, discussing financial expectations early in the relationship can help to create a strong foundation for a lasting and healthy life together.

It is quite common for couples to discuss such subjects as religion, children and entertainment. Yet, they do not realise the importance of discussing such issues as career goals, financial goals or retirement plans. These are all highly important subjects, and when people disagree on these issues, their relationships may not survive.

Do Not Become a Statistic

Statistics show that financial differences are among the main reasons that couples choose to break up. While most all couples want to have a fulfilling and lasting life together, there is much more to commitments than simply living together. Just as people want to find out about their partners’ hobbies and talents, they must find out about their financial goals as well.

When couples discuss financial expectations early on in their relationships, they can avoid any serious disagreements. Additionally, if there are any disagreements, they can work on compromises. In most cases, financial matters can be worked out if both partners are willing to listen to each other and compromise.

A Good Starting Point

When couples are willing to work out their differences, most financial problems can be solved. While there are many financial areas to discuss, a good starting point is to talk about attitudes towards debt. For example, while some people think it is okay to carry a certain amount of debt each month, others like to pay their balances off each month.

Additionally, couples should always find out exactly how much debt their partners have. An extremely high amount of debt could create some serious financial problems in a relationship, especially if both people do not have good-paying jobs. While some people do not mind helping their partners out with their debt, others do not want to be responsible for it.

Monthly Expenses and Retirement Plans

Some other things couples must discuss include monthly expenses and retirement plans. These two issues go hand in hand, as people need to allow for both in their budgets. While some people may think that it is best to save the maximum amount of money possible for retirement, their partners may have different views on the issue.

It goes without saying that retirement planning is essential, and couples need to agree upon a plan that will work for both of them. In addition to saving for retirement, couples will need to discuss their monthly expenses as well. These expenses can include such things as rent/mortgages, utility bills, car payments, groceries, entertainment and fuel.

In closing, creating a healthy and solid relationship involves much more than having fun together. Couples must agree upon such important issues as children, religion and financial goals as well. When people take the time to talk together and find out each others’ expectations, they are sure to build the loving and lasting relationship that they want.


Peter has received many accreditation's including many from the Times Online. As founder of You Could Save (2005) , What Stationers (2007) and more recently, Peter Millikin (2018). Peter regularly helps consumers and national organisation ‘save money’. He believes that the only successful way to bring people together online is to provide an open marketplace where people can all work together in a friendly, unbiased environment.

Leave A Response

You must be logged in to post a comment.