A budget is simply a plan for your money. It gives you license to spend your money each month. A budget does not restrict you, it gives you power over your money for each month.
Here are five powerful ways to connect and get on the same page about budgeting:
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Share your money story. What shaped your views about money? Did your family struggle with debt, or were they diligent savers? Be honest—it’ll help your spouse understand where you’re coming from.
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Share your fears. Are you worried about falling into debt or not having enough for retirement? Tell them what keeps you up at night. Vulnerability builds trust.
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Share your dreams. What do you want for your future together? A paid-for house? Vacations with your kids? Early retirement? Dreams create excitement, and they’re a great motivator.
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Share your attitude about giving. Whether it’s tithing, helping a neighbor, or supporting a cause, generosity is a cornerstone of financial peace. Discuss how giving together can impact your family and others.
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Share your appreciation for grace. You’re going to mess up sometimes—and so will your spouse. Extend grace to each other as you figure this out. Marriage isn’t about perfection; it’s about progress.
Why Budgeting Together Matters
Budgeting isn’t about control; it’s about freedom—freedom to spend wisely, build wealth, and achieve your dreams. And the best way to do that is together.
Have the conversation. Start small. Be patient. And remember: you’re a team, and you’re in this to win together. For more help, see this article: How To Talk to Your Spouse about Money