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Health and Financial Wellness

5 Money Tips for Happy Couples
By COL Financial - Philippines

Managing your money isn’t always easy, especially when you’re starting out with your financial journey. Throw in another person in the mix, and it gets even harder!

The good news is that managing your finances with a partner is totally doable, as long as you and your partner communicate and work on it together.

Here are some couple tips you can use to strengthen your relationship with money and each other:

#1: Set your couple goals

To have #ARicherLifeTogether, you need to start by setting your goals as a couple.

Be completely honest with each other about what you want to have in the future, especially about money and your ideal lifestyle.

This way, you’ll have a clearer picture of your financial habits and lifestyle expectations, which will make it easier for you to figure out how to reach those goals together—especially financially.

#2: Know your worth 

Couples should be open with each other, and this includes talking about your finances!

Make sure you talk about what your financial situations are right from the beginning: what you own, how much you earn, and if you have any debt. 

Start by sharing where you are today financially, so you can better plan out how to improve your financial lives together, whatever your starting point may be.

#3: Lift each other up

Is getting your first million pesos part of your #couplegoals?

Whatever your goals are, remember that the best way to get there is by treating your partner as your teammate.

Be there to help and encourage each other to make the best decisions, especially financially. Try to avoid fighting and remember that you’re on the same team, and that you’re working together to get the best possible outcomes for the both of you.

#4 Only give what you can

A relationship isn’t measured by how expensive your gifts are. 

While it’s fun to spend on each other, make sure it’s not costing you too much.

There are many ways to show your love for your partner without always having to spend, and they can even be more meaningful than something that you pay money for.

#5 Put plans into action

It’s not enough to have a plan—we need to move forward by taking action and actually implementing our plans.

This can be overwhelming at the start, but you only need to do things one at a time to get to the dream life that you are planning to achieve together. Don’t wait for a future date to begin—the sooner you get started, the sooner you’ll reach the future life you want to have.

Some things you can do to get started:

  • Open a joint bank account so you can manage your joint funds more easily, especially for your shared expenses and savings

  • Create a monthly budget based on your savings goals and agreed upon budget

  • Learn how to get started investing through free webinars

  • Download an app or create your own version of an expense tracker, to help you stay on track with your financial plans


Planning a life together doesn’t have to be complicated or difficult—what’s important is that you communicate with each other and work toward your life goals, and that you’re planning your finances in line with those goals.


COL Financial is the Philippines’ leading online stockbroker, offering stocks, local funds, and global mutual funds at www.colfinancial.com. COL is trusted by nearly half a million customers, and has reached hundreds of thousands of Filipinos in its advocacy of increasing financial literacy. To start investing with COL as your wealth-building partner, go to signup.colfinancial.com today.