11 Rules to Instantly Increase Your Success When Talking About Money With Your Spouse

Yelling and hurt feelings unfortunately might be a sign that you are in the middle of talking about money with your spouse. If this is your situation, then you are probably feeling hopeless about ever reaching any sort of financial freedom.

One of the top questions I get asked on a daily basis is “how do I get my spouse on board with budgeting?”

These 11 money tips for couples will set the stage to help your money conversation actually be successful and get your spouse on board with budgeting. Following these simple tips will create a rewarding conversation when talking with your spouse about money.

What I want to do is share with you our story, how hubby and I were able to finally start having conversations about money without arguing and growing frustration.

Learning from our story, I want you to apply the same techniques to create a rewarding conversation when talking with your spouse about money. You are going to be amazed at the breakthroughs you and your hubby will create in a short amount of time!


Finally Having a Successful Money Conversation

We were over $20,000 in debt, hubby and I were both working full time, plus hubby went to school part time at night, and to top it off we had a sweet little one year old girl. We knew all too well what stress felt like!

We were spinning our wheels. We both knew something needed to change when it came to our finances but neither us were doing anything about it. For crying out loud, we were getting overdraft fees almost every two weeks! Those darn fees would show up like clockwork.

Any time either of us would bring up a conversation related to money, one or both of us would end up feeling completely defensive. Once our personal defense walls started to be built, it was impossible to gain any traction in moving forward.

Does this sound familiar? Does this same situation ever occur when talking about money with your spouse?

It became really easy to start pointing the finger at the other person when it was “their” swipe of the debit card that sent us into a negative bank account balance. When in reality, it was OUR lack of communication and OUR lack of budgeting that was creating OUR financial mess.

When we finally sat down and talked about what we wanted our life to look like, that was when we were able to physically write out the action steps needed to get us to reach our life goals.

What changed? How were we able to finally have a successful financial conversation? It all started with a few simple ground rules that helped build a safe environment to talk about money as a loving husband and wife.


FREE PRINTABLE Goal Setting Worksheets for Couples

I will go over how to use this in detail in the second post of this Financial Unity Series, but get a head start by printing out your free Financial Unity Planner Kit for Couples now!

In this free workbook I am going to walk you through the steps to…

  1. Set long term goals individually, based on what you value most in life.
  2. Find common ground by bringing those individual goals together to build a prioritized goals roadmap.
  3. Assign financial tasks necessary for achieving each common goal, to use as a base to start building a budget as a united couple.

The Financial Unity Planner Kit for Couples is a goal setting workbook uniquely designed to help build the big picture and to help couples get on the same page when it comes to their finances. Showing each spouse that your budget isn’t just about numbers, it’s about creating the life you dream of!  

When you and your hubby sit down together and start working through the Financial Unity Planner Kit for Couples, you will quickly realized how it makes the entire process of starting a financial conversation easier than ever!

In just one week, complete this step by step guide to getting your spouse on board with budgeting in 5 EASY STEPS! Want to know how to get on the same page with your spouse when it comes to talking money? It can be super tricky to navigate talking about money with your spouse but when you follow these five proven steps you will get on the same page!

Don’t forget!

This is Part 1 of a three part series all about finding Financial Unity between you and your spouse. I really hope that these articles together with our free Financial Unity Planner Kit for Couples can help couples break past the barriers that are holding them back from reaching financial freedom!

I hear all the time that one spouse is ready to break bad habits and making their money work towards achieving their dreams. Yet the other spouse has a long list of why they thing it won’t work or why they don’t want to do it.

I truly believe that if you can come together and work through this series and free workbook, you can get on the same page and start telling your money what to do instead of wondering where it went!

If you missed any part of the series, here is a quick reference for you:

Part 1: 11 Rules to Instantly Increase Your Success When Talking About Money With Your Spouse

Part 2: 5 Simple Steps to Get on the Same Page Financially with Your Spouse

Part 3: 3 Shortcuts to Talking About Money With Your Spouse – The Budget Date


11 Rules for Talking About Money With Your Spouse  

It’s not complicated, but if you can both promise each other to follow these simple rules, you WILL start moving your family towards financial freedom!


1. Timing

First thing you need to do is make this conversation a priority. You don’t have time to not have this conversation. Seriously! Make it happen!

Second, make sure that there are zero interruptions and distractions. Turn off the phones, like literally power them off. Go in a room without TV. Get a babysitter if you need to.

Maybe take it even a step further and light a candle. It sounds funny, but anything you can do to eliminate distractions and create a calm environment is key to getting this conversation started.


2. Replace the word “you” with “we”

It’s natural for anyone to get defensive as soon as they start hearing that “YOU keep doing this” or “YOU did that”. It’s important to recognize corrections that need to be addressed but instead of using the word “you” try replacing it with the word “we”.

An example might be instead of saying something like “you need to stop going out to eat every day.” Try using a less aggressive phrase like “we need to stop going out to eat all the time.”


3. Understand it’s not going to be comfortable

Following these tips are going to help the conversation move more smoothly, but it is important for both hubby and wife to understand that it’s not going to be a super comfy chit chat.

Most likely some pride is going to have to be swallowed and tears are probably going to roll down your cheeks. BUT the faster you get that out in the open and start working past all the bad habits, the faster you are going to reach financial freedom and move towards your life goals!  

4. Honest in all things

There is no room in a marriage for dishonesty and it applies just as much when talking about money with your spouse. Remember that not telling the whole truth, or holding back information, is the exact same thing as lying.


5. No pointing fingers

You are a team! There is no use in pointing fingers about the past. That will only cause hurt feelings. Now is the time to move forward. Chances are you and your spouse both know what your own weaknesses are and you probably already feel extremely guilty about it.

Confide in each other and ask each other for help. Work together to overcome your imperfections.


6. Put each other first

The day hubby and I were married, we were given the advice to put each other first 100% of the time. If you do that, both of your needs will be met all while continually creating a stronger marriage.


7. Forgive

It’s in the past and leave it that way! Holding a grudge only makes it impossible to move forward. Imagine trying to hike up Mount Everest with a backpack full of incredibly heavy boulders. You probably wouldn’t last longer than five minutes.

That’s what holding a grudge does to your relationship and to your ability to communicate. Throw those boulders out of your backpack and keep hiking up that mountain!


8. No One is a Mind Reader

Never ever assume that your spouse knows what you are thinking and PLEASE don’t make him guess! It’s a great habit to reassure each other that you understand where they are coming from or what they are trying to explain.

Everyone was raised differently and it is up to you guys as husband and wife to communicate your feelings to each other.


9. Think before you speak

Before you start to unload all your thoughts and concerns with your hubby, consider how what you say might make him feel. As soon as a man starts to talk about money problems, he is immediately going to feel guilty that he has let his family down and then again comes the defensive walls.

If what you want to say is going to cause him to feel bad about himself, make sure you are conveying that this is in no way any ONE person’s fault and you BOTH are going to need to make changes.


10. Set a timer

These types of conversations could go on for hours only to leave everyone feeling frustrated and exhausted. It’s a good idea for your first conversation to set a timer for two hours. I know that sounds long but trust me, it could easily go twice as long if you don’t set a timer.

Setting a timer will do two things. First, it will set aside the fears of an endless conversation lasting for eternity. Second, subconsciously it will keep the discussion moving along helping avoid talking in circles.

When the timer goes off, each person needs to make notes of feelings and concerns that have not been addressed. Now reschedule for the next available time slot in your schedule ASAP. Put in on your calendar! End the conversation and now go give each other a back massage!


11. Make a treat

Do not write this rule off! Popping a bag of popcorn or throwing some cookie dough in the oven is one of the simple things you can do help you remember that though your finances are a very serious topic, what matters most is that you work this out together holding hands along the way.


BONUS TIP: Be Grateful for Each Other!

Don’t forget to show each other how grateful you are for all the sacrifices, time, hard work, and love that you both put into your family! Be grateful that your hubby is willing to sit down and work through these hard topics. Be grateful that you have each other to rely on!


What’s Next?

Are you in agreement? After you and hubby have pinky swore you will follow these rules, the next thing you need to do is actually have your first official conversation about setting your life goals and setting a budget that will get you there.

Don’t forget to grab your FREE Financial Unity Planner Kit for Couples!

In just one week, complete this step by step guide to getting your spouse on board with budgeting in 5 EASY STEPS! Want to know how to get on the same page with your spouse when it comes to talking money? It can be super tricky to navigate talking about money with your spouse but when you follow these five proven steps you will get on the same page!

In my next article on Financial Unity in Marriage, I am going to hold your hand through the discussion you will have with your hubby. You will learn the effective strategies and steps to take together to make sure that your spouse stops resisting and gets on board with budgeting!

What are your biggest hurdles when it comes to getting your husband to talk about money? Let’s chat in the comments!

Thanks for stopping in and I will chat with ya later! Xoxo


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  • Aimee
    January 4, 2018 at 11:54 am

    I really liked this post and I tried to sign up for the kit but it kept routing me back to the sign up page. Where is the couples planner sheets?

    • Brittany Cooper
      January 4, 2018 at 7:21 pm

      You can send me an email and I’ll make sure that you get it! brittany (at) penniesintopearls.com

    • Brittany Cooper
      January 6, 2018 at 2:26 am

      Did you get your planner kit? If not, you can go to the contact page and send me an email. I’ll get it to you ASAP. 💜

  • Nancy H
    January 5, 2018 at 7:08 am

    I am trying to download your Financial Unity Kit, but nothing is happening. I just keep getting “re-routed.” Will you please help?

    • Brittany Cooper
      January 6, 2018 at 2:28 am

      Did you get your printables? If not, you can go to the contact us page and send me an email. I’ll get them to you ASAP!

  • suck my dick in spanish
    April 25, 2020 at 8:47 pm

    Everyone loves it when folks get together and share opinions. Great blog, continue the good work!