Skip to Content
A couple holding hands with a diamond ring illustration


You’ve nailed your finances, but your partner is clueless when it comes to saving cash.

Money is a big part of our everyday life, yet a lot of us struggle to talk about it. While you’re a diligent saver, your partner seems to be missing the ‘savings’ gene. It can be hard to talk comfortably about cash with your loved one, so we’ve got some tips on how to address those all-important money discussions in your relationship.

Approach with sensitivity

You’ve brought up money matters before (don’t feel bad for wanting to make future plans) and you’ve been met with a shrug, sigh or snappy reply. It’s a good move to tread carefully, strategically and supportively to help set your partner’s goals in motion, without making their head spin.

Let’s face it, none of us are born as savings geniuses. We usually learn our money behaviours at a young age from our parents but, as we get older, our habits and attitudes can change. Saving takes dedication and the ability to do it well can be very circumstantial. With a lack of financial literacy in Australia, not everyone is raised to think saving is important or taught how to start the habit. But with gentle encouragement and a nudge in the right direction, there’s every chance your savings skills can become contagious.

Everyone needs a little incentive

Often people who aren’t savers don’t do it because they can’t see the point. They might be ‘live in the moment’ people rather than ‘plan for the future’ types. And saving for savings’ sake just seems boring to those who love to spend. But discussing your future plans and setting shared financial goals can be a great way to get your partner to seriously consider developing savings habits.

These don’t have to be crazy far-off goals, either. From your next holiday to your upcoming wedding, or renovating your nightmare kitchen into a dream one – if your partner can see a tangible light at the end of the savings tunnel (that you’ll both enjoy), they’re more likely to get on board the savings train. Plus, when you save together, it’s double the money.

Get tips from a pro

We go to the doctor and get told to drink more water or eat less sugar to keep our bodies healthy and well. Encourage your partner to think of going to a financial pro as a necessary step for their financial health and well-being.

While you know you’re saying all the right stuff, sometimes it takes a third party to really make your advice and tips ring true. Plus, talking to an expert will not only back up your wisdom, this is their job so they’re bound to have excellent solutions that could give you a lightbulb moment too.

A ‘fitness coach’ in your pocket

We know your partner won’t become a saver overnight, especially when they’re used to spending their pay check week to week. Enter Free2Spend; it’s our awesome in-app tool inspired by fitness trackers. Instead of putting in your health goals, you put in your savings goal, fixed expenses and income. The result? A daily number that lets you know exactly how much you’ve got to spend each day, while your savings and bills are getting sorted in the background.

It could be exactly the motivation they need to make saving fun while sticking to a budget. Hey, once they get the hang of it, maybe they’ll surprise you with a weekend away?*


*Weekend away not guaranteed.

The information contained in this article is of a general nature only. It doesn’t take account of any person’s objectives, financial situation or needs. Before acting on this information, you should consider whether it is appropriate for your circumstances and seek independent legal, financial, and taxation advice.