Don't be blinded by love.Talking money in each stage of your relationship.

If you scroll through your Facebook friends list, you'll notice people in different life stages and different stages of their relationships. The carefree bachelors, the new couple, the newlyweds and the couples celebrating their 35th wedding anniversaries. No matter what stage each relationship is at, there is one topic that is destined in creating a challenge; MONEY. These are often different to those belonging to our partner: if a ‘spender’ and ‘saver’ find themselves matched there may 9 out of 10 people believe financial problems are likely to push a relationship apart. It is important to remember we all have different upbringings, experiences, expectations and financial values. These are often different to those belonging to our partner: if a 'spender' and 'saver' find themselves matched there may be conflicts if financial discussions have not taken place and process agreed on. While 'Life Admin' may not be the most fun thing studies show that couples who talk finance set clear goals, dreams, and aspirations. Resulting in a happier and healthier relationship.



It may feel a little awkward to talk about money in a fresh relationship but this shouldn't stop you. Being straightforward and upfront about your spending lifestyle will save you some difficult discussions later on.

Some things to discuss in a new relationship:

  • What money means to each of you

  • What are your worries when it comes to finances? This can be a current issue or a future thought.

  • Are you a spender or saver?

  • How important is an emergency savings account & debt repayment

  • Would you want a joint bank account in the future? Have you done this in the past in a previous relationship? The pros and cons


This is where “I” becomes “We”. You’re nesting and deeply in love, but don’t become complacent.

During this phase couples usually move in together and often merge finances.

In the nesting period, you can ask

- What are your & your partners financial roles in the relationship.

- What are your, and your partners, financial concerns?

- Will the finances be merged? If so, how much will you still have in your own bank accounts? How much will you contribute to the joint account each month? How will you neogigate spending and saving?


You've been with each other through thick and thin, a true team that's locked in for the long term. Once you've reached this stage, you should be thinking about your mutual financial goals and long-term financial planning. Making sure your partner's long-term financial needs are taken care of will reduce stress and show's that you'll take care of them if something was to happen.


Important information

This document contains general advice. It does not take account of your objectives, financial situation or needs. You should consider talking to a financial adviser before making a financial decision. This document has been prepared by Count Financial Limited ABN 19 001 974 625, AFSL 227232, (Count) a wholly-owned, non-guaranteed subsidiary of Commonwealth Bank of Australia ABN 48 123 123 124. ‘Count’ and Count Wealth Accountants® are trading names of Count. Count advisers are authorised representatives of Count. Information in this document is based on current regulatory requirements and laws, as at 23 October 2015, which may be subject to change. While care has been taken in the preparation of this document, no liability is accepted by Count, its related entities, agents and employees for any loss arising from reliance on this document.

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