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Marriage: Building Daily Money Habits Together
Published 4 days ago • 3 min read
Bobby Clark
FINANCIAL COACH
Marriage: Building Daily Money Habits Together
Hi Reader,
When my spouse and I first got married, our financial conversations sounded more like negotiations than teamwork. We had a “my money” attitude. We leaned toward individual bank accounts. Every bill, every purchase, every savings decision felt like we were sitting on opposite corners of the table.
Looking back, I realize how much energy we wasted trying to defend our own corners. It wasn’t that either of us was wrong.
We hadn't yet built the trust. We didn’t believe that we were truly working toward the same future. We were trying to protect our own interest. Our thoughts were selfish.
The shift came when we both admitted something simple but powerful: we’re on the same team. Saying it out loud was hopeful. Living it out, step by step, became a relief. Each small choice to trust each other strengthened our marriage.
Details of Transformation
Here’s how we moved from selfishness to real money habits:
> We scheduled a short weekly money check-in, even if nothing big had changed. We always had something to discuss or review in our meetings.
> We practiced saying “our” instead of “my” when talking about income or bills. This is the language of a happy team.
> We agreed on small spending boundaries that gave us freedom without secrecy. It is ok to maintain some independence.
> We started celebrating progress together, not just stressing about problems. Our small celebrations became a habit.
I’ll never forget the first time we left a money conversation smiling instead of frustrated. It was a relief to know we had each other’s back. It made budgeting feel less like a chore and more like a partnership.
If you and your spouse are still treating money like “yours” and “mine,” I invite you to take one small step toward “ours.”
Don’t wait for the perfect system. Start with one habit that builds trust. Over time, the stress will ease, and the sense of partnership will grow stronger.
🎓What I Have Learned
The perfect time to do something may never come. Bobby Clark
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📝Knock out these money-related tasks now to help you finish the month strong
Take some time before the holiday rush begins to review services and contracts for better pricing.
Remember to check mobile phones, internet, home phone, television, and home security contract end dates before making any changes.
Celebrate any achievement(s) obtained in the 3rd quarter.
📖Money IQ - Your chance to gauge your money knowledge
How many payments are typically needed before penalty APR (annual percentage rate) can be removed?
A. 6 on-time payments in a one-year period
B. 6 that are more than the minimum payment amount
C. At least 6 consecutive on-time payments
D. Penalty APR can never be removed once applied
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📢Testimonial
I am very grateful to you for believing in me. Many people give words of encouragement enough to feel like they did their part to offer support. You Bobby went further and invested your time and patiently guided me into a place where I became confident in what you already realized in me. I know this journey continues but with your investment, the path is a little clearer. I will be forever grateful for your kind words, prayers, and coaching. EWJB
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What’s working in your financial life – and what’s not
Where you want to go financially
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I'm your financial guide who loves to talk about how to manage your money, emotions, and stress. Join 500 + STEM Professionals who wants to live a happier more confident life. I Publish two times a month!
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