Getting into a new relationship is exciting, but it also means blending your life with someone else’s habits—especially when it comes to finances. How your partner manages their money can have a huge impact on your own financial health and your future together. Noticing red flags early can save you a lot of headaches, stress, and even financial loss down the road. If you’re seeing troubling patterns, it’s worth paying attention. Here are seven signs your new partner is horrible with money, plus what you can do about it.
1. They Never Know Where Their Money Goes
One of the clearest signs your new partner is horrible with money is if they have no idea where their paycheck disappears each month. If they’re always surprised by a low bank balance or can’t explain what happened to their last paycheck, this is a big warning sign. People who don’t track their spending often struggle to save, pay bills on time, or set financial goals. It’s not about being perfect—it’s about being aware.
2. They Consistently Live Paycheck to Paycheck
Living paycheck to paycheck isn’t always a choice, but if your partner earns enough to cover basic expenses and still ends up broke every month, it’s time to take notice. This pattern often means they’re not budgeting, overspending, or ignoring savings entirely. Over time, this can lead to bigger problems, like debt or missed opportunities. If your partner shrugs off suggestions to build an emergency fund or budget together, that’s a sign their money habits could drag you down, too.
3. They Rely Heavily on Credit Cards (and Not for Rewards)
Some people use credit cards wisely, racking up points and paying off the balance each month. But if your partner uses credit cards as a lifeline, frequently carries a balance, or pays only the minimum, it’s a red flag. This behavior is a classic sign of someone who is horrible with money. High-interest debt can spiral quickly, and if they’re not working toward paying it off, it can hurt both their credit and your shared financial future.
4. They Hide Purchases or Lie About Spending
Honesty is important in any relationship, especially when it comes to finances. If you catch your partner hiding purchases, lying about what they’ve bought, or getting defensive when you ask about money, it’s time to pay attention. Financial secrecy, also known as financial infidelity, is a major sign that your partner is horrible with money. This behavior can destroy trust and make it nearly impossible to plan a future together.
5. They Don’t Save—At All
Saving money, even a little at a time, is key to financial stability. If your partner doesn’t save anything, not even for emergencies or retirement, that’s a big problem. People who are horrible with money often live only for today, ignoring the future and leaving themselves (and possibly you) vulnerable. If your partner dismisses the idea of saving or thinks it’s unnecessary, it’s time to talk.
6. They Make Big Purchases Without a Plan
Impulse buying on a small scale is common, but if your partner regularly makes large purchases—like a new phone, car, or vacation—without a plan or budget, it’s a sign they’re horrible with money. This kind of behavior can lead to debt, resentment, and serious financial setbacks. If they justify these purchases with “I deserve it” or “I’ll figure it out later,” be cautious. Responsible adults make big spending decisions with care, not on a whim.
7. They Avoid Talking About Money
If your partner shuts down every time you bring up money, refuses to discuss budgets, or gets angry when you ask questions about their finances, this is a major warning sign. Open communication is essential for any healthy relationship, especially when it comes to money. People who avoid this topic often have something to hide or are simply unwilling to grow. That’s a recipe for trouble, especially if you’re considering a future together.
Building a Strong Financial Partnership
Spotting signs your new partner is horrible with money doesn’t mean you have to give up on the relationship, but it does mean you need to address the issue early. Talk honestly about your concerns and see if they’re open to learning better habits or working together on a financial plan. Sometimes, people just haven’t had the right guidance and are willing to change. Other times, you may need to decide if their habits are a deal-breaker for your own financial goals.
Remember, your financial well-being matters just as much as your emotional health. Don’t be afraid to set boundaries and protect your future.
Have you ever dated someone who was horrible with money? How did you handle it? Share your experiences and advice in the comments below!
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