{"id":6939,"date":"2022-01-14T22:36:38","date_gmt":"2022-01-15T03:36:38","guid":{"rendered":"https:\/\/pierreroy.com\/?p=6939"},"modified":"2022-01-14T22:37:46","modified_gmt":"2022-01-15T03:37:46","slug":"the-money-talk-how-to-talk-to-your-partner-about-their-spending-habits","status":"publish","type":"post","link":"https:\/\/pierreroy.com\/en\/2022\/01\/the-money-talk-how-to-talk-to-your-partner-about-their-spending-habits\/","title":{"rendered":"The Money Talk: How to Talk to Your Partner About Their Spending Habits"},"content":{"rendered":"<p class=\"p1\">Picture this: you just met someone and they\u2019re everything you\u2019ve ever wanted in a partner. They\u2019re kind, considerate, attractive, and tick off all of your boxes! Fast-forward a year into the relationship, you\u2019ve made the move to start living together, and things are getting serious. But you start to notice that something\u2019s not quite right\u2026 Your partner\u2019s spending habits are out of control and you have no idea how to broach the subject. But one thing\u2019s for sure: you need to have The Money Talk. But don\u2019t worry \u2014 below, you\u2019ll find helpful tips on how to talk to your partner about their spending habits.<span class=\"Apple-converted-space\">\u00a0<\/span><\/p>\n<p><!--more--><\/p>\n<h2 class=\"p1\">Be Empathetic<\/h2>\n<p class=\"p1\">One of the best ways to go about talking to your partner about their spending habits is to be empathetic. After all, no one wants to feel like they\u2019re being judged, especially not by their partner. Approach them from the perspective of wanting what\u2019s best for them and your relationship. Explain to them that you want to build the best possible future with them, and that you could both benefit from budgeting money together.<span class=\"Apple-converted-space\">\u00a0<\/span><\/p>\n<h2 class=\"p1\">Explain Why You\u2019re Concerned<\/h2>\n<p class=\"p1\">As great as it is to be empathetic and to tread carefully, you still need to express why you\u2019re worried. If your partner is spending the money you share together without having conversations with you about it first, then you need to express your concerns for both of your sakes. If they did this without realizing the harm in it, or they took your joint card by mistake, confronting them about it will give you the chance to clear the air. It\u2019s never healthy to bottle things up, because that just may lead to resentment down the line.<span class=\"Apple-converted-space\">\u00a0<\/span><\/p>\n<h2 class=\"p1\">Create a Budget Together<\/h2>\n<p class=\"p1\">If your partner has trouble keeping their spending habits under control, then let them know that you\u2019re both in this together, and propose <a href=\"https:\/\/pierreroy.com\/en\/online-budget\/\"><span class=\"s1\">creating a budget<\/span><\/a> together. Not only will this help your joint financial situation, but you might find it a good bonding exercise. The more you work through an issue together, the closer you will become. So how should you go about <a href=\"https:\/\/pierreroy.com\/en\/2021\/04\/1-budget-for-2-how-to-create-a-budget-with-your-partner\/\"><span class=\"s1\">creating a budget for two<\/span><\/a>? Simple! Just do was you regularly would, but instead of counting one income, calculate two.<span class=\"Apple-converted-space\">\u00a0<\/span><\/p>\n<p class=\"p1\">The most important thing is that you both communicate what your goals are. In order to create a budget successfully, it\u2019s essential that you both be on the same page about how much you money intend to set aside as well as what you intend to set money aside for. After you\u2019ve finished creating your shared budget, keep track of your expenses, communicate, and revisit your budget if necessary. The takeaway is to always be transparent. After all, transparency is the key to financial intimacy and trust.<\/p>\n<h2 class=\"p1\">Get Help<\/h2>\n<p class=\"p1\">If you\u2019ve done all of the above, but find yourselves in a precarious financial situation, don\u2019t hesitate to reach out for help with a licensed insolvency trustee. Your LIT will help you find the perfect solution to your financial situation by analyzing all of your expenses, debts, and income. Of course, you and your partner are in this together, so you should show up together! Before you know it, you\u2019ll be out of your financial rut and able to start a brand new, stress-free life together.<span class=\"Apple-converted-space\">\u00a0<\/span><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Picture this: you just met someone and they\u2019re everything you\u2019ve ever wanted in a partner. They\u2019re kind, considerate, attractive, and tick off all of your boxes! Fast-forward a year into the relationship, you\u2019ve made the move to start living together, and things are getting serious. But you start to notice that something\u2019s not quite right\u2026 [&hellip;]<\/p>\n","protected":false},"author":17,"featured_media":6937,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[45],"tags":[292,258,308,309,280,283],"class_list":["post-6939","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-budget-tips","tag-budget-tips","tag-couple-en","tag-couples-debt","tag-financial-health","tag-financial-stress","tag-stress-en"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v26.6 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>The Money Talk: How to Talk to Your Partner About Their Spending Habits - Pierre Roy &amp; Associ\u00e9s<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/pierreroy.com\/en\/2022\/01\/the-money-talk-how-to-talk-to-your-partner-about-their-spending-habits\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"The Money Talk: How to Talk to Your Partner About Their Spending Habits - Pierre Roy &amp; Associ\u00e9s\" \/>\n<meta property=\"og:description\" content=\"Picture this: you just met someone and they\u2019re everything you\u2019ve ever wanted in a partner. 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