How to Achieve Financial Unity in a Marriage |

How to Achieve Financial Unity in a Marriage

Financial unity in marriage

It is well known that couples often fight over money. Research indicates that many divorced couples report disagreements on finances and economic stressors as a leading cause on why they believe their marriages failed. Being a united front on finances can be crucial in making both partners feel safe and equal within the marriage. Cohesion on financial matters can also be a reminder that you are working toward long-term goals, together.  


Here are some guidelines on how couples can arrive at financial cohesion and unity:

Set a dollar amount

Studies show that happily married couples often report that creating ground-rules can help build levels of trust when tackling important life issues. Creating ground-rules around money can help both parties feel safe and trusting of each other’s spending habits.  Agreeing to let each other spend freely only up to a certain dollar amount can be an example of a ground-rule around money. A couple can agree and promise to consult each other anytime spending exceeds a certain number—a number that the couples agrees on and determines together.  Negotiating and determining the ground-rule together can also help to create feelings of solidarity and teamwork.

Get a joint credit card

Studies show that couples with joint finances often report feeling support, trust, and unity with their partners.  A joint credit card can be a great way not only to foster a feeling of sharing within the relationship, but it is also a way to build credit together.  Building credit together can be a great way for the couple to feel as though they are working toward long-term financial goals and building a life together that has a future.

Save for a rainy day

Studies show that perceived rewards can not only improve mood but can also increase motivation. Couples who save together can enjoy the opportunity of rewarding each other for working together toward a financial goal.  Couples can set savings goals together and then reward each other with gifts or a night out together once they have arrived at their set savings amount.  Additionally, the act of saving together can also help to make a couple feel closer.  Joint savings can, therefore, be a great goal for any couple–and rewarding each other for a job well-done can be a great motivator to help you both keep up the good work.


Follow these steps, set financial goals together and come close together as a couple.  

3.9k Reads

Denise Limongello
Individual, Family and Group Psychotherapis, LMSW
Denise Limongello, LMSW, is a passionate and dedicated therapist who obtained her
graduate degree from Columbia University, School of Social Work. She is also a
graduate of Miss Porter’s School and Tulane University. Denise began her clinical career at The Renfrew Center of New York and has since then worked across all levels of care including Inpatient, Partial Hospitalization, Intensive Outpatient, and Outpatient, Private Practice settings.

More by Denise Limongello

How to Avoid the “Growing Apart” Trap

How to Be Independent While Married

How to Be A Team Player to Your Spouse

How to Deal With an Unexpected Pregnancy

Add a Comment

Your email address will not be published.