Finances are a key part of any relationship, and money problems, when they arise, can quickly seep into other areas of life. Money problems in marriage are not unusual, either because of rising bills, new debt, or differing spending and saving habits.
This advice looks at how financial trouble in marriage affects relationships, why it happens so often, and what real-life steps both of you can take to ease the stress. We’ll also refer you to resources and professional advice if you need more help.
Why money and marriage are so closely linked
Once you’re in a relationship, your funds get tied together by default. Rent or mortgage, bills, food shopping, holidays – it all centres around joint money decisions. That’s why financial problems in a marriage can feel particularly challenging.
If there is a wage difference, differences in spending preferences, or debt that follows a person into marriage, it can cause tension. In most cases, it’s not about the numbers, but about feelings related to money, such as fear, guilt, resentment, or worry about what will happen in the future.
Common reasons for financial issues in marriage
Finance issues in marriage can arise due to a number of reasons, including:
- Differing expenditure patterns
One person may prefer to save while expenditure is more free in the other, raising debatable differences.
- Debt entering into marriage
Credit cards, loans, or personal debts may place strains upon joint finances.
- Income fluctuations
Redundancy, illness, or fluctuations in working hours could mean that you struggle to meet daily costs.
- Concealed expenditure or borrowing
If one person isn’t honest about their financial situation, it could lead to distrust.
- Unforeseen expenses
Big bills such as home repairs, car breakdowns, or medical bills can quickly cause stress.
How financial concerns affect relationships
Financial issues in marriage can lead to difficult conversations, arguments, and issues with trust. Some couples will find that they fight more often, don’t talk about finances at all, or feel resentment over time.
For others, money issues might lead them to back away, dodge plans, or worry about spending even small amounts of money. Long term, this creates a tense feel in the relationship.
Steps couples can take together
If you experience marriage money issues, the following tips may help:
- Start chatting
Be open about your finances. Set aside time, not in the middle of conflict, while paying bills, or while one of you is angry. Strive to talk more than you listen, and take time to consider both of your perspectives.
- Create a joint budget
List out your income and essential expenses. Having a joint budget can head off misunderstandings and allow you to understand where money is going.
- Agree on goals
Agree on what matters most to both of you – paying off debt, having money set aside for a break, or covering everyday expenses more comfortably. Sharing a goal makes it more possible to work as a couple.
- Be honest about debt
If either of you owe money, be honest about what it is. Hidden debts will make money problems worse in the long run.
- Seek professional help
If your issues arise due to debt, then a debt consultant will set out feasible solutions that make repayment more manageable.
When debt is part of the problem
Debt can be a big problem in a marriage. From loans to rent arrears, to credit cards, falling behind can stress both partners out.
If debts are becoming unmanageable, then there are structured solutions that might be of help. For instance:
- A Debt Management Plan (DMP) could reduce monthly payments to make them more affordable.
- An Individual Voluntary Arrangement (IVA) is a legally binding agreement that could write off some debt after a set period.
After taking out a debt solution, 2 in 3 customers who responded in a MoneyPlus survey claimed that they felt less stressed*
Finding support
You don’t have to tackle money problems by yourself. At MoneyPlus, we’ve been helping people manage debt for over 25 years. Our advisers will discuss your situation in a non-judgmental way and work with you to create a plan that fits within your family’s budget.
You can also learn more regarding the different types of debt that may be affecting you, or read our article regarding priority and non-priority debts so that you will be able to determine which bills should be paid first.
Looking ahead
Having money issues in marriage is difficult, but it doesn’t have to be that way. By talking openly with your partner and seeking professional guidance when needed, you can start easing tensions and rebuilding trust. The proper support can assist both you and your significant other in taking back your finances and moving ahead as a couple.
If you’re ready to talk, you can also visit MoneyHelper for free, impartial advice on benefits, budgeting and more. Alternatively, you can contact an adviser at MoneyPlus. We’ll listen to your situation and help you find a practical path forward.
*MoneyPlus customer questionnaire 366 participants May 2025.
