How To Avoid Financial Arguments In Your Married Relationship


Arguments are common between many married couples. 

It might be an argument over an issue pertaining to the children. It could be an argument over whose turn it is to have the TV remote. And in some cases, it might be an argument about finances. It is this latter point that warrants special attention because arguments about money often lead to stress, temporary separation, and even divorce. 

Still, it is possible to minimize the risk of a financial argument. While we can’t say you will never have a money argument again after following our advice, you should hopefully suffer very few of them if you heed our suggestions.

#1: Work as a team

You are no longer caring for your own financial needs. 

When you’re in a relationship, you need to balance the needs and desires of your partner as well as your own, and you both need to work together on a budgeting plan to manage the home you are living in.

If you care little for one another’s needs, and if one of you makes little effort to stick to the household budget, then arguments are obviously going to happen. So, work together.

Talk to one another about each other’s financial habits, goals, and wishes. Look at ways to save money together. And when it comes to managing the household bills, make this a shared activity. 

When you are both on the same page, and when you both have an understanding of one another, the chances of a financial argument will be reduced.

#2: Create long-term goals together

There will be individual goals within the relationship, and there will be goals that you share together. By having these things in mind, you will both have the impetus to save money, apportion money to one another, and help each other to make sensible financial decisions. 

So, talk to one another. Find out what each other’s individuals goals are, such as a new car for you or a college course for your partner.

And talk to each other about shared goals, such as a family holiday abroad, enough money to give you both the ability to retire to Costa Rica, and those saving goals that are related to the futures of your children. 

By being on the same page and having shared understandings of individual and shared needs, there will be less need for an argument, because you will both be working towards the same goals. 

#3: Build an emergency fund

When disaster strikes – the car breaks down, the home needs urgent repairs, one of you falls ill – you might face added financial strain in your home if there isn’t an emergency fund in place.

This in itself could create arguments between you, and this could be compounded if your household is forced into debt as a consequence.

However, with an emergency fund in place, tensions should be eased. There will be money in place to manage the disaster. You will still have the capacity to work towards financial goals. And there will be fewer hardships to overcome (and argue over) when dealing with your daily household needs. 

Will you have arguments as a couple?

Yes! Will they always be about your finances? Not necessarily. By following our suggestions, there should be a smoother path ahead. Consider what we have said then, and if you have any other tips to offer, please let us know in the comments below. 

Jeff Campbell

Jeff Campbell is a husband, father, martial artist, budget-master, Disney-addict, musician, and recovering foodie having spent over 2 decades as a leader for Whole Foods Market. Click to learn more about me

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