5 Solutions for Money Problems in Marriage

Knowing how to solve money problems in marriage is the first step to peace and happiness. These money tips for couples will help create better money habits and ease financial difficulties.

“Lack of money is no obstacle. Lack of an idea is an obstacle.” ~ Ken Hakuta. Unless, of course, you aren’t sure if your relationship is worth fighting for.

Money problems can be overcome even if you have no money! But if you don’t have creativity, motivation, or energy to solve your problems then you may stay stuck in the financial pits.

If you’re tired of struggling with money problems in your marriage, read We Can Work It Out: How to Solve Conflicts, Save Your Marriage.

And, here are five steps to solving financial difficulties for married couples…

5 Solutions for Money Problems in Marriage

1. Figure out where your money problems are coming from. Are you a saver married to a spender? Do you not earn enough money? Do you spend beyond your budget, or are you hugely in debt? Are your financial goals unrealistic — or nonexistent? Do you lie about money to your spouse — or you struggling with financial infidelity? The first step to solving money problems is to dig up the root of the problem. Applying all the money tips in the world won’t work unless you know what’s causing your marriage problems!

2. Talk to a financial planner or life coach — or read books about money. Sometimes we’re too enmeshed in our problems to see the possible solutions, which is why counselors and coaches are so important. An objective perspective can help you as a married couple see where your money problems come from, and help you find the most effective solutions. You don’t need to spend lots of money on a financial planner or money coach…sometimes reading the right books or attending free financial seminars is all you need.

How do married couples get rich? Read 7 Tips for Growing Wealth Together.

3. Set goals that represent who you are as a married couple. Do your neighbors own a boat, three cars, and a cottage by the lake? Let go of competitive feelings — don’t buy into that “keep up with the Jones” mentality. Instead, figure out the financial goals that best suit you as a married couple. Where do you want to be in five years? What kind of life do you want to be living? Where do you want your career to go?

Learning how to solve money problems in marriage is the perfect time to figure out how to set and achieve your financial goals.

4. Find financial solutions that maximize your strengths as a couple. Discovering and working with your individual strengths won’t just help you solve money problems in marriage, it’ll bring you closer as a couple. For instance, my husband’s natural strength is financial investments and income taxes, so he makes the bulk of our investment decisions and does our taxes each year. My strength is pinching pennies and saving money on groceries and gifts, so I get to go shopping (which isn’t much fun when you hate shopping, like I do!). This tip for couples is about finding out what you’re good at, finding out what your spouse is good at, and being free to do what you’re good at!

5. Practice financial habits that go beyond solving money problems. “Habits and rituals can be powerful tools that help us squeeze the most from the day and close the gap, but only if we consciously create them,” writes Robert Pagliariani in The Other 8 Hours: Maximize Your Free Time to Create New Wealth & Purpose. “When we Habitualize, we dump our negative and mediocre habits and replace them with positive habits and rituals that enrich our lives and bring us closer to our goals.”

Have you and your spouse incorporated positive money habits and rituals into your life? For example, do you revisit your financial goals every month, or have honest discussions about money every week? Try to incorporate at least two positive money habits into your life as a couple, and focus on finding positive solutions to your money problems.

For more tips for solving money problems in marriage, read my Most Popular Money Articles.

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