The Ultimate Guide to a Money Date Night

Whether you and your partner share finances or keep them completely separate, it’s always important to be on the same page. And there’s no better time to do that than during a money date night 💸

We love a good money date night here at Financielle, and so does our community:

“Soooo… our money date went well. We worked out what was left each week. We also looked forward to what’s in the calendar between now and payday and made some tough choices about RSVPs.

It felt so good to do this collaboratively.”

So what is a money date night?

It’s a regular, dedicated time to sit down with your partner, a family member, or even a friend to talk honestly about money: your goals, spending, plans and habits.

Money can feel overwhelming, especially when you’re navigating it alone. But setting aside time for open, pressure-free conversations helps make money feel less scary and more manageable. It’s a habit that builds trust, clarity, and momentum.

And it works: a study by the American Society of Training and Development found that people are 65% more likely to achieve a goal when they commit to someone else. Having a money date night partner helps you stay accountable and motivated.

Who should you have a money date night with?

If you’re in a couple…

Money date nights are the perfect way to bring you both closer and remind each other that you’re a team. Whether you split finances or combine them, use this time to reflect, plan and dream – together.

If you’re with friends/family…

Your money date night partner doesn’t have to be someone you’re in a relationship with! It’s a great way to hold friends and family accountable, provide a friendly ear or give a gentle nudge of confidence when you both need it the most.

Voicing and discussing your money goals alone is an amazing way to get them out in the open and helps you visualise them.

What should a money date night include?

Here’s a simple structure you can follow:

• Reflect: Look back at how your last month went financially
• Plan: Budget for the month ahead based on what’s coming up
• Dream: Talk about your short- and long-term financial and life goals
• Commit: Decide together where any excess (i.e. extra money) should go

Our top tips for a successful money date night:

• Do your homework

Be sure to prep beforehand. Gather all your papers, emails and numbers together.

• Be clear on your goals

Want to save for a house? Pay off debt? Build your emergency fund? Set intentional, specific money goals to stay focused.

• Accountability is key

Whether you’re in a couple or not, be accountable to your money date night partner. If they said they’d ditch takeaways but keep hitting Deliveroo, say something! 

• Track your progress

Whether you’re saving for a home, ditching consumer debt or increasing your net worth, track it! 

You can do this easily in the Financielle App using our Goal, Budget, Debt, and Net Worth trackers.

Ready to start?

Grab a glass of wine, order that budgeted-for takeaway, and open the budgeting section of the Financielle App.

Your future self will thank you.