Let me be upfront and admit I don’t have any deep insights into kindling, rekindling or ramping up your romance — a fact my wife of 22 years would probably confirm.
However, I’ve certainly worked with A LOT of couples who fight about money.
And I’m pretty sure those squabbles didn’t help them keep the romantic fires burning.
So, I’ll play to my strengths and settle on trying to help you create a favorable financial environment for romance. Here are five money tips to keep you whispering sweet nothings instead of screaming expletives at each other:
1. Build a relationship-saving fund
During a recent interview, it hit me that the absolute best and most fantastic money relationship strategy is — drum roll, please — a ROBUST emergency fund.
Think about it: Many a money melee begins when something goes wrong.
Having emergency funds stashed in your savings account may stave off that kind of argument.
2. Agree to talk
That’s a shocker, right?
But having regular, scheduled conversations about your budget, financial goals and even financial shortfalls is a good thing. Don’t limit your money conversations to when you’re in the midst of a financial crisis.
3. Delegate, don’t abdicate
I like this phrase to describe how couples should divide up their money roles.
At our house, I typically manage the insurance and investments, while Paula handles day-to-day finances.
No matter how you break up the work, both partners should know what’s going on. Despite how it sounds, feeling left in the dark is NOT a recipe for romance.
4. Say thanks to each other
Maybe your spouse is the type to make quick financial moves rather than floundering in indecision.
Or maybe his or her focus on the future allowed you to build a nice nest egg.
Whatever the financial personalities in your house, say “thank you” for what your spouse does. There’s nothing like a little appreciation to bring a smile to your beloved’s face.
5. Separate accounts for togetherness
I had long been a blissful supporter of the “we’re all in it together” approach to our checking accounts — until a few years ago.
That’s when Paula let me know she would like some of her “own” money.
If she wanted to get her nails done (or buy me a present), she didn’t like having to discuss it with me, which now makes perfect sense. Having some fun money helped her feel good about our finances.
And if she feels good, we all feel good.
They may not be as romantic as a candlelight dinner, but these steps may help you set the stage for years of romance.
Read Next: 50 Ways You Can Start Saving Money TODAY.