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Real Life On A Budget

Start Your Marriage and Money Off Right

Question: I’m getting married next month. How do I make sure my spouse and I don’t argue about money a lot?

Rachel’s Answer:

Great question! It’s awesome that you are thinking about this before you get married.

One of the most important things you can do is have open communication. Talk about your money goals with your spouse. Where do you want to be financially in a month? Next year? Five years? Related: 3 Things Newlyweds Should be Saving for

Talk about your strengths and weaknesses when it comes to spending and saving money. Set an amount (for example: $100) on when you both need to agree on a purchase.

Also, make a plan for your money and budget! The budget gets a bad rap, but all the budget does is tell your money where to go each month, instead of leaving you wondering where it went.

This isn’t rocket science. You’re simply sitting down with your husband and deciding how you will spend your income that month. 

Every dollar “has a name.” It will take a few months to get this down, so don’t expect perfection right away. But if you want to get on the same page with your spouse about money, creating a budget together is the best way to do that.

Finally, don’t try and copy your parents’ lifestyle. If they have been successful, remember they have been around a lot longer than you. It took them 20 years to get there, and you’re just getting started.

One of the worst mistakes you can make is to overstretch yourself by getting into a mortgage you can’t afford and a couple of car loans that are weighing you down.

Keep all of these things in mind as you get married and you’ll be off to a great start! Related: 7 Money Tips for Newlyweds

What has been the best marriage and money advice you’ve ever received? Let me know in the comments!


  • Blessed Child

    Great advice Rachel! I read alot of your posts and they are great and easy to understand. But try writing about Europe too. I live in Italy!

  • I absolutely love your website design, Rachel! Not to mention, all of your great advice!

  • chart

    Doesn’t work. We communicate every day about money and most all of those turn into arguments. I have tried to be sold on this but you BOTH have to be completely frugal for it to work.

    • G.A.

      You both don’t have to be frugal. You have to be willing to communicate effectively (without arguing) and understanding that “our” needs are greater than “my/your” individual needs. I am the spender and my husband is the saver. Use each of your strengths to work together and work towards common goals. Thank you for these tips, Rachel Cruze!!