A Couple's Guide to get Started Budgeting

Personally, I love budgeting. I love it so much that I have a paper version, an app on my phone, and a google sheet that all tell me the same thing: where is my money going? (Compulsive much? Yes!) I know I have an obsession but here are my reasons why you and your partner should create a budget and see if it helps you refrain from arguing about money:

 
 

1 | Visual access to your spending

You actually get to see where your money is going. I know everyone has their bank statements and some things vary from month to month (like PG&E or dining expenses) but for the most part, what you spend has some degree of consistency. This can aid in the reduction of fighting because you won’t be like my friend and look at your bank account one day and realize you and your boyfriend have $40 to last you the rest of the month. (YIKES!) The budget is an assistant in communication.

2 | Freedom to tailor your budget to you

Now that you know what you spend, you can create a budget that matches it. Or reduces it if that’s your goal too. I use Mint, a free app that allows you to carry your budget in your pocket wherever you go. (Disclaimer: you do have to allow access to your bank/credit card accounts but it’s totally legit and user-friendly.) Unlike my mother, who thinks my budget is the end-all be-all of money spending (I like to cap my monthly outings at around $50 a month and we have differing views. Let’s leave it at that); it is totally up to you and your partner how much you want to spend or save. I know people who budget for $1,000 every month for entertainment and that’s completely fine if it’s within your means. You know where your money is going. That’s great!

3 | You can address the ‘Who is paying for what?’ question

It’s date night — who picks up the tab? Reference your money spending tool. Did both you and your spouse factor outings into the budget? If so, then it’s still within the collective budget regardless of who pays this time. Hopefully next time it’ll be the other person’s treat. One of my most cherished ideals is being fair. Everyone says “Life isn’t fair” but my rebuttal is “but you can try to be fair to everyone in life.” For example, I know a couple who don’t make the same amount of money; one person pays more for rent than the other. But they came to the agreement that each would pay 35% of their income. So even though it’s not splitting rent 50/50 it’s still equal in terms of what each person can afford. The budget can aid in deciding how much one person pays for things you both use.

It’s easy to swipe your card and not think twice about what that swipe represents. With the budget, you can see what is going where. Everyone works hard to earn their money; a budget shows you what’s going on and will give your partner some insight to spending and saving habits. The beauty of the budget is you can do it for yourself (if you and your partner don’t share money) or you can do it as a couple (if you do share money and would like to know just how the heck you only have $40 left for the rest of the month!) and it will be beneficial regardless! Maybe creating a budget won’t eliminate all fights about money but I sincerely believe it could help. Remember the budget is not meant to be one size fits all. Talk it over with your partner and figure out where each of you stands.

Now, I’d love to hear your feedback. Did you try the budget? If so, what were your results? Do you have another way to diminish your fights about money? Please share in the comments below. Good luck in your spending ventures. Thank you for reading!


about the author

Hi! I'm Trina. I graduated from U.C. Santa Cruz with a B.A. in Psychology (cum laude, but no one is keeping score, right?) I enjoy re-reading Harry Potter and extensively Googling new words. My aim in writing for this blog is to help couples overcome hurdles in their relationships.

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10 Tips for Communicating with a Spouse

One of the most common goals for treatment that I hear from couples counseling clients is that they would like to communicate better. By the time couples come in for therapy, they typically know that their communication patterns are not serving them anymore and that they need to learn new skills. That’s why I’ve compiled this list of strategies for improving your communication with your partner:

 
 

1 | Use “I” statements

When communicating with your partner, it’s essential that you speak from your own experience and avoid blaming your partner for your feelings. This has two benefits, 1) you allow yourself to be seen and heard and 2) you avoid putting your partner on the defensive. Utilizing “I” statements is probably the most commonly taught technique in couples counseling.

2 | Avoid over-generalizations

Making statements such as “you always” or “you never” is not only unhelpful, but it’s also simply untrue. It’s impossible for someone to always or never do something, so let’s keep the over-generalizations out of the conversations. For a more helpful and healing interaction, express the way it makes you feel when your partner behaves in a certain way.

3 | Listen fully

This means that you need to pay close attention to what your partner is saying, as opposed to planning your response. I find that when I feel revved up and really want to say something, I notice my body begin to tense up and wanting to interject. In these moments, slowing down and focusing on my breath allows me to stay present to what my partner is saying.

4 | Face your issues

When people don’t address and resolve the things that bother them with their partner, they may think they are just “letting it go,” but typically these annoyances and resentments build up over time resulting in one of two scenarios, 1) the frustration can be insidiously expressed as passive aggressive behavior or 2) the anger can build up over time causing the individual to lash out at their partner. Do these sound familiar? As uncomfortable as it may be to do at the time, you and your partner are both better off dealing with issues head on instead of putting them on the back burner.

5 | Practice honesty

This may seem obvious, but I don’t think it can be understated that trust is the foundation of an intimate relationship and deception (even when it seems innocuous) slowly erodes at that foundation. Even if you’re tempted to cover up the truth about something to avoid discomfort or conflict, remind yourself that your relationship will benefit more from telling the truth and dealing with the consequences. It will ultimately bring you closer.

6 | Be vulnerable

In any relationship conflict, it takes two to tango. Even if one person is 99% at fault for something, the other partner is 1% accountable. So, if you’re angry or upset with your partner about an issue, take responsibility for your part in it. This will set the tone for the conversation and encourage your partner to open up with you about their part in the conflict. If being vulnerable is challenging for you, I recommend watching the above TED talk about the power of vulnerability. It's one of my favorites.

7 | Know “The Four Horsemen”

John Gottman, the psychologist famous for his research on relationships, writes about the “Four Horsemen” of relationships which are criticism, contempt, defensiveness and stonewalling. In order to have successful communication and a long-lasting relationship, couples must avoid these classic traits that can doom relationships. Here is a short summary of Gottman’s Four Horsemen:

  • Criticism – Offering your partner helpful feedback on ways they can improve within the relationship can be a healthy habit, but once your criticism crosses the line into a pervasive pattern of diminishing your partner’s sense of self, this becomes unhealthy.
  • Contempt – This characteristic is often expressed as name-calling, mimicking, ridicule and using body language such as eye-rolling that denigrates the other person. These behaviors have a serious negative effect on relationships and need to be avoided.
  • Defensiveness – It’s challenging not to get defensive when your partner addresses an issue with you, but it’s critical to take feedback in stride. Defensiveness turns what could otherwise be a productive discussion and turns it into an argument immediately.
  • Stonewalling – The term refers to when a partner becomes overwhelmed with the conflict with their partner and decides to completely withdraw from the interaction. This behavior can be incredibly frustrating and invalidating for the other partner.

8 | Speak directly

You may wish that your partner knew what you wanted and needed at every moment, but the truth is, they don’t! Therefore, you need to assert your needs often and clearly, to help your partner out. This process may be rocky at first (it can take a while for people to get used to assertiveness!) but if you can master direct communication with your partner, the rest of your relationship will flow much more smoothly.

9 | Stay calm

When people get triggered in a conflict with their partner, they can often raise their voice and say things that they don’t mean. To combat this, stay connected with your internal experience during a discussion with your partner. If you notice physiological symptoms of stress (like sweating, increased heart rate, etc.) slow the conversation down, take a few deep breaths, and if you need to, tell your partner you need to take a break in the other room for a minute before returning to the conversation. This mindfulness will help prevent unnecessary outbursts.

10 | Table discussions

This may seem contradictory to tip number 4 (Face Your Issues), but it actually complements it. Sometimes it is simply not a good time to discuss a particular topic. If you’re on your way to an important work presentation and need to be on your A-game, you probably don’t want to bring up that huge issue with your spouse on the car ride to work. Instead, mention to your partner that you’d like to discuss it when you get home. This way, you’re not avoiding the issue, but finding the right place and time to address it.

I hope this list is helpful to you and your partner in optimizing your relationship. I know these strategies have helped me immensely in my own relationship. Now I’d like to hear from you! What works for you in communication with your spouse? What seems to always backfire? Do you have any questions about how to employ these tips? Please share your thoughts and questions in the comments section below. Thank you and be well.


about the author

Hi! I'm Natalie. And I'm passionate about helping people create healthy relationships in their lives. Through couples counseling in Pasadena and here on the blog, it's my mission to help foster stronger connections, healthy communication and life-long love.

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