Financial Tips for Couples

Based on the book Financially Ever After: The couples' Guide to Managaing Money by Jeff D.Opdyke

Shely Esses, LMFT,RMFT,RP,AST

1. Talk Openly About Money

• Share your money history, values, and fears.

• Identify your “money personalities” (saver, spender, security-seeker, risk-taker).

• Normalize differences and commit to ongoing conversations.

2. Decide How to Manage Accounts

• Options:

  • Joint account only

  • Separate accounts only

  • Hybrid model (yours, mine, ours)

• Clarify roles: Who pays bills? Who tracks spending?

• Revisit agreements as circumstances change.

3. Use Tools That Work for You

• Choose budgeting apps, spreadsheets, or simple systems you both like.

• Automate bill payments and savings transfers.

• Keep the process simple so both partners stay engaged.

4. Create Shared Goals

• Set short-, mid-, and long-term goals together.

• Examples: emergency fund, vacation, home purchase, retirement.

• Ensure both partners’ values and priorities are represented.

5. Strategize Debt Repayment

• Share openly about all debts before marriage.

• Choose a repayment method together (snowball vs. avalanche).

• Prioritize high-interest debt.

• Seek professional guidance if needed.

6. Celebrate Milestones

• Recognize progress (paid off a credit card, reached a savings goal).

• Celebrate as a couple to build positive momentum.

7. Get Help When Needed

• Reach out to financial counselors, coaches, or advisors if you feel stuck.

• Remember: financial teamwork strengthens relational trust.

Key Reminder: The goal is not just financial stability—it’s building trust, alignment, and partnership for your life together.

Book a session with me to dive deeper into into this topic.

(914) 546-6194

continuouslyhealing@gmail.com