Guides
How to Split Expenses as a Couple: 50/50, Proportional, or a Shared Pot
Four ways to split shared expenses as a couple, with a worked example using real numbers and when each one fits.
AccountsJoint, Separate, or Both: Which Account Setup Works for a Couple
A joint account, separate accounts, or the three-account model, and what co-owning an account really means.
SavingHow to Build a Couples Budget You'll Actually Stick To
A step-by-step monthly budget for two, with the 50/30/20 rule adapted for couples and a 30-minute money meeting.
Living togetherHow to talk about money as a couple without it ending in a fight
How to open the money conversation, what to share early on, and the signs that money is being used to control.
ExpensesWhen One of You Earns Much More: Splitting Costs Without Resentment
When paychecks drift apart, 50/50 stops feeling fair. Three ways to split, worked through with Blue and Orange's numbers.
Living togetherThe 30-minute money meeting: a script to avoid arguments
A short script for reviewing spending, savings, and plans without the conversation turning into an argument.
SavingEmergency fund as a couple: how much to save and where to keep it
How many months of expenses to save as a couple, where to keep an emergency fund safely, and how to split the contributions.
Living togetherPersonal Money: How Much Free Spending for Each of You, No Explanations Needed
How much free money each of you should have, and why you shouldn't have to justify every purchase.
AccountsWho owes whom: how to keep track when you each pay for different things
How to keep track of what you owe each other when you pay for different things, without endless spreadsheets.
HousingBuying a home as a couple: ownership shares, the mortgage, and what happens if you split up
What the ownership percentage on the deed means, how a joint mortgage works, and what changes depending on whether you are married.
HousingRenting Together: The Lease, the Deposit, and What Happens If One of You Leaves
What it means to both sign the lease, how to split the deposit, and what to talk through before one of you moves out.
HousingMoving In Together: The Costs Nobody Counts
The moving costs and first-months expenses almost no one budgets for, in a checklist you can work through.
HousingHome insurance as a couple: what to check before you buy
What to check before buying home insurance for two, and whose name the policy should be in.
LegalWills for Couples: Why to Think About It Early
Why it pays to think about a will even if it feels early, and the questions to ask each other as a couple.
LegalIf the Relationship Ends: What to Sort Out Financially
What to sort out financially if the relationship ends: accounts, debts, housing and shared expenses, as a practical checklist.
FamilyHaving a Baby: How Splitting Costs Changes
How a baby changes the way you split expenses, and how to rework a two-person budget into a three-person one before the birth.
FamilyWedding Budget: Who Pays for What and How to Cap It
Who pays for what, how to set a spending cap, and how to keep the celebration from taking over your finances.
DebtDebt as a couple: whose it is and where to start
Whose debt is whose, where to start paying it off, and how to talk about it without blame.
ExpensesVacations as a Couple: A Trip Budget Without the Fights
A trip budget for two: what gets split, what is each person's own, and how to come home without outstanding tabs.
ExpensesGifts and Celebrations: A Cap That Doesn't Feel Cold
A cap for birthdays, anniversaries and family gifts that doesn't feel cold, with three buckets and a yearly figure for each.