Your spouse loves the idea of saving money and becoming debt free, but the thought of planning weekly or monthly doesn’t sound like fun. Stress free budgeting with your spouse is possible. Let me show you what works for us!

african American couple looking at paperwork

It’s no secret that money fights are the number one cause of divorce. Talking about money and how you’re going to spend it can be difficult (whether finances are tight or you’re in a season of abundance.)

God gave you each other as helpmates to be there for each other through the good and the bad. And that, friend, is why being on the same page when budgeting with your spouse is so very important.

Why should I listen to you about budgeting with my spouse?

I totally understand where you’re coming from!

Trent and I will be the first to admit that we don’t have everything about budgeting and finances figured out. Even though we’ve been married over 15 years, there are times when we struggle to communicate with each other and even have occasional arguments about money.

After setting up our first budget together we worked diligently to pay off our house and continue to live debt free.

We want the same freedom for you!

How did we get started?

When Trent and I married I had been budgeting since I was 15 years old. And even though he had never been on a written budget before, he was extremely wise and responsible with his money!

We combined our finances and created a written budget together (which we still use to this day). I enjoy the numbers, so it made sense that I would work the budget each week.

That being said, here are 4 tips that work for us when attempting stress free budgeting with your spouse.

4 Best Ways To Budget As A Married Couple

1. Agree On Your Finances From The Beginning

Whether you’re setting up a budget for the first time, or revamping the budget that you currently have, it is important that you both agree from the beginning.

God made each of us unique and we have different ideas about how we like to spend money.

You might have been raised differently than your spouse which means his family likely spent money differently than yours. There’s absolutely nothing wrong with this.

The best way I can describe it is to find your new normal with your finances.

Change can be difficult and hopefully this will eliminate money fights later.

Take the time to go through each line item in your budget together and agree on it.

Side Note: YNAB (You Need A Budget ) is a fabulous budgeting app that allows you both to manage your finances any time and anywhere. (Grab YNAB’s free trial and see if it’s a fit for you!

2. Don’t Bear the Financial Burden Alone

If you are the spouse working the weekly budget, it’s inevitable that unforeseen expenses are going to pop up. Before you “rob Peter to pay Paul,” talk with your spouse and decide together where the money should come from.

I say this because there have been plenty of times when this has happened to me. Instead of asking Trent what he thought, I’d stress about where the money was going to come from.

When I started including him in the decision making process, he’d quickly have an idea where we could take the money from. It was as if his decision was stress free – because it was!

After I asked for his help I would always wonder why I hadn’t done it sooner and eliminated the unnecessary stress for myself. (See, stress free budgeting with your spouse is possible!)

hands holding money

3. Have A Monthly Budget Overview

Much like not bearing the financial burden alone, each month it is important to let your spouse know what’s going on with your finances.

Sit down over coffee or dinner and take a few minutes to look over your finances line item by line item.

This monthly budget overview allows the spouse that doesn’t work the weekly budget to ask questions and know exactly where you are with your finances.

4. Have Separate Blow Money

Blow money is just that, cash that you can do whatever you want with!

Whether it’s $15 or $100 each, we recommend that you each have your own blow money.

If Trent wants to spend all of his blow money on fishing gear, I can’t give him a hard time.

And, if I want to spend all of my money on massages, he can’t give me a hard time!

The beauty of having separate blow money is just that, you don’t have to talk to your spouse about how to spend it. You’re free to spend it however you’d like!

If these tips for stress free budgeting with your spouse were helpful, you might also like: