6 Ways To Get Your Partner On Board With Personal Finance

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Did you know that many money arguments aren’t really about money at all? Instead, they’re mostly due to lack of communication and being on the same page. If you are on a personal finance journey with a significant other, it can be hard to convince them to join in if they aren’t used to the concept. Here’s how to get your partner on board with personal finance, without fighting.

6 Ways To Get Your Partner On Board With Personal Finance

This post was written by our staff writer, Kimberly Studdard.

partner on board with personal finance

1) Lead By Example

If your partner sees you…

  • being frugal,
  • paying bills on time, and
  • paying off debt

…they’re more likely to want to join in. It’s a classic monkey see monkey do, and it can be beneficial to you on your personal finance journey. Getting your partner on board with personal finance doesn’t have to be hard, but sometimes it can seem like you’re talking to a brick wall when you start talking about numbers. So instead, lead by example.

2) Involve Them

When you were a kid, you most likely loved being included in games, decisions, and more. You felt like a special member of the team if you parents asked for your opinion. You loved being able to help your friends decide what you’d all do as a group. Just because you’re an adult, doesn’t mean your wanting to be involved goes away. It’s a human instinct. We love to be included, and the same goes for your significant other.

If you want to get your partner on board with personal finance, involve them!

Sit down with them and talk about your budget, and ask them for their input. Ask them about big financial decisions out of respect, even if you don’t do exactly what they say. Ask them about their goals and dreams for their, and your, money. Be a team, and involve them in the decision making process.

3) Highlight The Benefits

What would you do if you realized you could save $1,000 extra each month? Would you save for a vacation, retirement, or something else? Did you just get excited about the the thought of saving an extra $1,000 a month?

People love knowing the benefits to what they’re doing, and your partner is no different. If you’re trying to get them on board with personal finance, highlight the benefits! Tell them that staying on budget means more money you can spend on vacation. Show them that when you keep your grocery budget low, you can afford to eat out an extra time or two. Don’t turn it into a “we can’t have/do that”, but instead, talk about all of the freedom a budget and personal finance journey can give you.

partner on board with personal finance

4) Make It Fun

Who doesn’t love fun and games? Your personal finance journey doesn’t have to be any different. I’ve personally used this technique, and it works! To get your partner on board with personal finance, turn it into a game. See who can save more money before the end of the month, and celebrate accordingly. Make it a game to pay off a little bit more than the usual debt payments, and gift your partner with a date night if you meet your goals.

Personal finance doesn’t have to be stuffy and boring. Some people feel that way, which could be a reason why they’re afraid to manage their finances properly. But by making it fun, you can show your partner that it’s actually easy to do.

5) Avoid Negativity

Whatever you do, don’t nag or embarrass your partner. Don’t make them feel like crap for overspending or making a mistake. Negativity and harsh criticism typically doesn’t help or work. If anything, that may just cause more problems. Get your partner on board with personal finance through love and understanding. Remember, they may have never been taught about this before you. Have a little grace.

6) Get Help

If you must, get professional help with your partner. Sometimes, personal finance is hard, especially if you know nothing about it. If your partner has other issues, like their mindset or upbringing, those aren’t things you can fix alone. Getting professional help, like seeing a therapist or financial adviser, can make all the difference.

Again, don’t make this a negative thing, and don’t get angry or frustrated if you need to see a professional. Sometimes, people just need a little more help than others, and that’s okay. If you truly love your significant other, it’s okay to take some time and work on yourselves and together with a third party.

When you try to get your partner on board with personal finance, it may be a struggle at first. But with persistence, understanding, and lots of love, they’ll be on board before you know it.

Personal finance is just that, personal, so do what you can and work with your partner until you can do it together.

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