Arguments over money: “You call me a miser? You spend our money before we even have it!”

"Sandy Bay, Isla de Roatan" by Mimi Stuart © Live the Life you Desire

“Sandy Bay, Isla de Roatan” by Mimi Stuart ©
Live the Life you Desire

Arguments about money can easily destroy a relationship. However, not talking about differing attitudes toward money can also destroy a relationship.

Attitudes about money often reflect deep psychological emotions that have developed as a response to feelings of security or the lack of it while growing up. There is no one right way to handle money. Therefore, couples need to talk about money and how they plan to spend and save it without putting each other on the defensive.

To have an effective conversation about money, both partners need to become aware of their own fears and desires about money and their sought-after security. This is not easy, especially when it comes to determining to what degree their judgments are emotionally based or objectively savvy. They also need to recognize and have empathy for the other person’s point of view. Couples have to develop a mutual plan, taking into account each person’s underlying fears and desires.

Guidelines for talking about money:

1. Do not overreact, manipulate, or control your partner into spending or not spending money.

2. Learn to communicate effectively, so that you can be honest without being hostile.

3. Don’t exaggerate the situation to get the other person’s attention.

4. Avoid acquiescing to behavior you disagree with in order to keep the peace because it might cause you to develop underground judgments and resentment.

5. Retain your independence. Avoid becoming financially dependent on the other person, particularly if you’re not on the same page regarding finances. Then you won’t have to live in constant stress. In most cases, it doesn’t hurt to remain capable of being independent. Nothing in life is certain. Therefore, having some money set aside and being able to get a job and support yourself are key in promoting your psychological and financial security.

So rather than attacking your partner for spending too much, state your fears and your desires in a positive way.


“I’m afraid that we won’t be able to pay the mortgage and other bills. I dread the possibility of losing our home, which could happen to us if I were to lose my job. I would feel a lot more secure having enough savings in the bank to last at least a year.”

“I know we need to budget, but it means a lot to me to go out once a week with you. It rekindles my feelings of romance and spontaneity. Why don’t we budget a certain amount each week so that we both feel comfortable with a little weekly entertainment and romance?”

“I’m concerned that I will not be able to retire. I would prefer to forego spending money for non-essentials, such as going out to dinner and buying new clothes over living with the fear of never being able to retire. I would like to create a budget that ensures that our savings are increasing each month by (amount or percentage) and to keep our spending in check.”

Once people speak openly and honestly without hostility and listen to each other’s concerns and wishes, they can make a specific plan that will satisfy both partners.

by Alison Poulsen, PhD

Read “I want to enjoy life and not just think about money.”

Read “Avoidance Behavior: ‘I’ve been dreading telling her about our financial problems.’”

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