Money and Marriage

How a better relationship with money can make for a better relationship with your spouse

We all know that fighting about money is an issue most couples face. According to the Institute for Divorce Financial Analysis, money matters are the third leading cause of divorce. Fixing the conversation and behaviors around money with your partner can change the happiness and health of your relationship.

⅓ of adult relationships claim that finances are a huge source of stress and conflict. The conversation of mine, yours or ours can be a subject of contention between couples. Having separate accounts and one joint account can lessen these arguments, by giving each other a little freedom, while still being able to hold each other accountable for shared expenses.  

If you’re coming into a relationship or marriage with debt, this can lead to debates regarding spending habits or finger-pointing that one of you just “isn’t good with money.”  Having honest conversations about your financial standing is essential to have with your partner, and can prevent explosive conversations in the future.

Most couples end up incurring additional debt by hitting certain milestones, such as buying a house or a car. Setting up a realistic budget, and being aligned in your financial goals can help to keep you from overspending on life changes like wedding planning or having a baby. 

In terms of money and marriage, honesty is always the best policy. According to a poll by, roughly 6 million consumers in the US have concealed financial accounts from their significant others. In a survey by, 1/10 people claimed that their secret purchases led to a divorce or breakup. Secret spending can put unnecessary strain on your relationship, leading to trust issues and resentment. Stop keeping secrets from your spouse, but be sure to give each other some breathing room. 

Here are some tips and tricks that married couples often don’t want to hear: 

  • Track your spending – don’t dread the “B” word. Sticking to a budget can help to alleviate financial woes.
  • Know each other’s priorities – what’s important to you may be different than what’s important to your partner. Knowing each other’s money language can lead to knowing each other’s love language.
  • Communicate about your finances – talking about money matters on a regular basis will keep you working as a team.
  • Save, save, save – having a little extra for a rainy day can really come in handy for unexpected expenditures. 
  • Pay down your debts, especially non-mortgage debts – living debt-free is ideal, but one good decision leads to another. Set reasonable goals to help pay off your debt.
  • Be honest with each other – keep the peace by being truthful with your partner regarding your spending habits.
  • Understand that tough times happen – regardless of how proactive you are, sometimes life just happens. Be prepared!

Here are some additional tips from long-time married couples to share their best advice for ensuring a happy money marriage:

Money and marriage go together like a horse and carriage. Honest conversations about your finances build trust, communication skills and of course, love. Having a better relationship with money can make for a better relationship with your person, and isn’t that what we all want? May your love and money grow this Valentine’s Day!

If separate money caused your conflict – his, hers, ours • Try an app like Qube as another way to separate your money into different categories and stick to your budget!

A journey of a thousand miles begins with the first step. Fill out this form to be contacted to schedule your Free 45-minute Discovery Session and begin the journey to become WISE with money.

It’s time to end your battle with money & find financial peace.

You are not alone in your struggle. “Money problems” feel like such an isolated thing – that you did something wrong, or you somehow got yourself into this. These are the awful things that our minds love to tell us, but this is so untrue.

Current data shows that 41.2% of all households carry some sort of credit card debt. With that debt on average for balance-carrying households being $9,333.*

And this is just the average – your debt total increases if you have children, have been through a divorce, have children in college, care for aging parents, or so many other life changes that can blur your financial security.

Struggling with money has many other negative effects outside of just your budget. We often see money issues flow into relationship issues. In fact, couples that argue about finances at least once a week are 30 times more likely to get divorced.**

Beyond your relationships, your physical health, mental health, and your sleep are all negatively affected by your constant battle with money.

It is simply time for that to stop.

You don’t have to live your life in a constant war with your wallet. You can find financial freedom and peace, and you can do this by getting some expert advice.

Financial education is not taught to us. Many of us have a very limited understanding of budgeting, debt elimination, and retirement saving. You have all the skills you need to live a debt-free life, you just need to be coached on where to start and what steps to take to get you on the right track.

Think about how much better your life, relationships, and future would be if you felt empowered by your money and happy about where you are at financially. How much better would you feel without money matters causing added stress in your life?

Financial peace is something anyone, with almost any income can achieve, and I’m here to teach you how.

Just go to my calendar and schedule your free Discovery Session with me.
We will take an honest and non-judgmental look at where you are at and will review steps you can take to free yourself of these unnecessary burdens. We will talk about and set financial goals, discuss what is realistic for your lifestyle and above all, how to make it all achievable.

This is a simple step you can take to change your life and re-write your financial story. I know that you can do this, and I am here to help you get there. Together we can make sure that history won’t repeat itself, breaking this cycle of financial hardship once and for all.

I am here for you, and I can’t wait to speak with you. Let’s take charge of your financial picture, and take back control of your life.


A journey of a thousand miles begins with the first step. Fill out this form to be contacted to schedule your Free 45-minute Discovery Session and begin the journey to become WISE with money.



The top 5 Holiday expenses you are (probably) forgetting about from Loveland’s Premier Financial Coach

pennywise coaching top 5 holidays expenses you are (probably) forgetting from loveland's premier financial coach

The Winter holidays are costly in both time and money. Most people are not really aware of where they are spending and truly how much. Many people are spending beyond their budget. Most are still paying for unplanned holiday expenses well into the next year!

As a Financial Coach, I see that the holiday expenses can rob you of your plan.

Even set your whole next year into a tailspin. So how can you prevent this? Well – with a plan. Start by looking at all the items you plan to spend money on this holiday season. Then build a budget (within your means) to cover these expenses.

To help you create a plan – I have outlined the top 5 Holiday expenses you are (probably) forgetting about. Look over these expenses and add them to your holiday budget. Including these expenses will help you stay on budget and start the new year off right!

If you are looking for more help with Holiday planning and budgeting – check out my brand-new email course all about how to plan for financial peace this holiday season.

The top 5 Holiday expenses you are (probably) forgetting about from a Financial Coach:

  1. Decorations – Xmas tree, lights, ornaments, house decor – they all add up!
  2. Clothing – for holiday-themed events or for parties. A clever outfit or ugly holiday sweater can make a large dent in your holiday budget.
  3. Higher Utilities – Electric bill due to all the extra indoor and outdoor lights. Water and gas for all the company at your house and so on!
  4. Special foods (or hostess gifts) – for parties or traditions like cookies exchanges, company potlucks, friends dinner, or just special seasonal treats.
  5. Money for travel – even if you are not planning a big trip, you will probably be traveling this holiday season. Add in some money for extra gas, tolls, travel snacks, meals on the road.

These top 5 Holiday expenses you may be forgetting about could add $500 – $1000 to this already expensive holiday season. As a financial advisor, I must ask – How many months would it take you to pay off? How would next year feel if you didn’t have this unplanned debit? How much better about yourself would you feel if you didn’t have the guilt of “overspending” this holiday season?

Start by planning for all you can, then stay within that budget. It really is that simple! For more financial and budgeting advice sign for my mailing lists and like my Facebook Page. 

A journey of a thousand miles begins with the first step. Fill out this form to be contacted to schedule your Free 45-minute Discovery Session and begin the journey to become WISE with money.