5 Money Moves Happy Couples MakeHave you ever seen one of those cheesy photos of a couple leaning over with their arms around each other, looking at a bank statement with big smiles on their faces?

Yeah, those are stock photos.  They aren’t real.

Unfortunately, for many married couples, the thought of money and finances brings up quite the opposite reaction.

In the early years of our marriage, we simply avoided the topic.  Denial seemed like a pretty good solution until we woke up $54,500 in debt with our first baby on the way.

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How does money impact your marriage?  Does it create tension, stress, arguments and maybe even some dishonesty?

I hope that’s not the case, but the good news is that money doesn’t have to be a strain on your relationship.

Believe it or not, money can (and should) create happiness in your marriage when you handle it right.

Not creepy stock-photo happy, but coming together around your finances to achieve your dreams can actually be an awesome way to express your love and enthusiasm for your future together.

Just don’t smile at your bank statements…who has printed bank statements anymore anyhow?

[NOTE: Don’t miss the end of this post for some very exciting news! 🙂 ]

5 Simple Money Moves to Make in Your Marriage

It’s easier than you think to change the conversation around money with your spouse.  And if there is no conversation, that’s probably a good place to start.

Check out these 5 moves that are proven to bring happiness to couples who make them happen.

1. Create a Simple, Goal-Oriented Financial Plan

What are your dreams as a family?  What will it take financially to make it happen?

This is where a plan becomes essential.  It doesn’t require anything fancy, but it does require a good, open dialogue about what you actually want out of life and a goal-oriented game plan for how to take action to achieve the dreams you share.

In our case, it was a “money date” and a lot of conversation that helped us realize we both wanted deeply for Bethany to be a stay-at-home Mom for our kids.  Once we set that as a big goal, we were able to plan a path forward to make it a reality.

2. Make a Simple, Non-Boring Budget

If the “B-word” makes you cringe or throw up in your mouth a little, have no fear.

A budget (you can call it a family spending plan if you’d like) can actually be really simple and still be effective.  There are also lots of great tools to help you get going painlessly.

But the bottom line is you do need to get your income and spending down on paper so you can get real about your cash flow and where you’d like to direct it.

As our friend Dave Ramsey says, “A budget is telling your money where to go instead of wondering where it went.”

3. Pay Off Debt & Save Money (Fast)

I know this one falls squarely in the “easier said than done” category, but it’s going to be easier than you think once you get going with a motivating plan (#1) and a simple budget (#2).

As freaked out as we were to realize how deep we had gotten into debt, we were also really pumped up to get it paid down so we could realize our new-found goals. And it truly made us happy (freakin’ ecstatic really) to kill debts as fast as possible and celebrate when we met that monster goal of debt freedom!

This is probably an area you’ll need more specific help with – more on that in a minute.

4. Start a Savings & Investment Plan to Support Your Future

I know investing isn’t exactly the sexiest topic, but it’s extremely important to your long-term success and happiness.

If you don’t already know why Albert Einstein called compound interest the most powerful force in the universe, you should look it up for some great motivation to start investing as soon as possible.

It’s never too late and never early enough to start putting some money into high-quality investments that will bring you peace of mind for all of those decades of awesome married life that’s ahead of you.

5. Discuss Money with Your Honey Regularly

Like so many important things, the key to successfully managing money in your marriage is good communication.

The happiest couples have an open and ongoing dialogue about their income, spending, saving, investing and their goals.

This very likely won’t come naturally, so it’s important to have regular “money dates” where you spend some time chatting about money…and more time drinking wine and enjoying the financial peace in your relationship!

Are You Ready to Take the Next Step with Your Money & Your Honey?

These 5 steps are pretty simple on the surface, but of course implementing them can be a challenge.  Lucky for you, we’ve got you covered.

We’ve teamed up Ann Arceo, an awesome couples financial planner from The Savvy Duo to create an easy-to-follow program called “How to Get Control of Your Money & Create the Future You Desire Together

We walk you through these 5 key money moves and showing you exactly how to make them happen in your marriage.

Plus, you’ll have the help you need to overcome the other money frustrations you’ve probably encountered…

…from trouble getting started (or staying on track) to a reluctant spouse.  And we’re giving you all the cool tools you need to make it as easy as possible!

Click Here to Start Your Money Makeover!

How to Get Control of Your Money and Create the Future You DesireTogether (1)

The best time to start your new smart money plan was yesterday – the next best is TODAY so don’t delay. 🙂


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About the author 


Dustin Riechmann created Engaged Marriage to help other married couples live a life they love (especially) when they feel too busy to make it happen. He has many passions, including sharing ways to enjoy an awesome marriage in 15 minutes a day, but his heart belongs with his wife Bethany and their three young kids.

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  1. Great high-level overview. My wife and I were amazed how much progress we’ve been able to make mostly focusing on #2 and #5. Making it the occasion for a date helps keep it fun.

  2. Thanks, David. I’m totally with you on #2 and #5 – especially the last one. Simply talking about finances on a regular basis goes a long way toward producing success…with money and all areas of intimacy in our relationship!


  3. My husband and I have been very blessed and finances have been our strong point in our marriage. I was raised with parents who are super good with their money, my husband on the other hand had a terrible example but he learned from it. I agree with all 5 tips. We started a budget right when we got married, have ALWAYS talked about our money, made goals with what we wanted to do with it, and have never been in debt except for our house because we save for big purchases and don’t buy anything that is not necessary. For example, a car. We bought a car that was used but decent for a couple thousand dollars that we bought cash for. Then saved and spent $11,000 cash on a nicer vehicle a couple years later. So we haven’t had a car payment which apparently is almost unheard of. After 8 years of marriage and 3 children we are realizing more and more we are an exception when it comes to how people manage finances and it shocks me! I don’t get it but I can say to those out there that doing these 5 things will bring sooo much happiness into your marriages. My husband and I have never fought about money. We don’t always agree on some things but we come to a compromise and that is part of the talking about money. Good luck everyone!

    1. Thanks so much for sharing, Alisha. Your journey money sounds similar to ours, except we didn’t get on the right track until about 5 years and $54,500 in debt! 🙂

      I wish you continued blessings in your marriage and family life. Thank you for being part of our community.


  4. I love this list. My husband and I started doing this when we found out we were pregnant. Now we have a 4 month old baby and are still doing pretty good with finances. #5 can be difficult. Sometimes it seems like that’s all we talk about and it is stressful. A lot of times I have to take the calculator away from my hubby haha! But making into a date sounds like a good way to keep it interesting and somewhat fun.

  5. Hey Dustin,

    I am interested in talking about goal setting. My wife and I do not really set goals (I suppose this depends how you define a goal).

    The reason being because most people set goals that are out of their control and/or too large of goals that they become consumed by the goal and are left feeling guilty about the fact that they did not achieve their goals.

    For example, a goal to pay off debt is a huge goal. The problem with setting a goal like this is it takes months. The only way to pay off debt is if you have money to do so. Some people cut their expenses back, but you cannot always control how much you make. Yes, you can ask for raises and the like, but it is out of your control whether or not your boss says yes.

    Instead we like to focus on the process and journey more than the goal. Goals that we set are mere benchmarks to see how we are doing. For example, goal might be to pay off $1,000 in debt in 3 months. If after two months we realize we only paid off $100, then we go back to the drawing board because we realize what we are doing is not working

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