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INTRODUCTION
Whether you’re single, engaged, or newlywed, setting aside time to discuss and plan your finances can significantly impact your life, especially if you are planning a wedding. Money dates can help improve your finances and your relationship with your partner. In this post, we will discuss money dates, why they are essential, and fun ideas for where to have your next money date.
WHAT IS A MONEY DATE?
A money date is when you (and your partner) talk about money at a scheduled time and place. You can create a money date routine to discuss financial goals, review budgets, plan investments, and ensure you're on track to achieve your financial dreams. It's a blend of financial planning and quality time, making an often stressful topic more enjoyable and less daunting.
WHY IS A MONEY DATE IMPORTANT?
1. Money dates provide greater accountability for what your money is doing. Regularly scheduled money dates ensure that both partners are on the same page regarding financial objectives and strategies.
2. Money dates allow you both to create goals and plans for your money. They help you stay proactive rather than reactive about financial matters, reducing stress and avoiding potential conflicts. Achieving these goals together can bring a sense of accomplishment and strengthen your financial foundation.
3. Money dates encourage financial literacy. Frequent discussions about money increase your understanding of personal finance, leading to better decision-making and greater financial security.
4. Money dates improve respectful communication about money. These money meetings facilitate open and honest discussions about finances, fostering trust and transparency between you and your partner. This unity in financial matters can strengthen your communication skills and improve your relationship with your partner.
5. Regular money dates allow you to see your finances transform for the better. By regularly checking in on your finances, you can find ways to improve them, like saving more, investing, or crushing debt.
14 FUN AND CREATIVE MONEY DATE IDEAS
Now that we have discussed a money date and why it is essential, let's discuss some fun and creative places to have a money date. These financial check-ins can occur anywhere you have an internet connection. Having a money date routine in a fun environment creates an enjoyable and productive finance check-in with your money. Here are 14 ideas for your next money date.
1. COFFEE DATE
Head to your favorite local coffee shop, grab a cozy corner, and order your favorite beverages. Over a warm cup of coffee, review your monthly budget together. Discuss recent expenses, track your spending, and make adjustments to stay on track. This relaxed environment makes it easy to discuss your financial goals and how you plan to achieve them. Wondering what topics to talk about on your next money date? Here are some other money date topics in this blog post.
Word of caution: If you go outside your home, you must use a VPN to protect yourself when accessing your financial accounts using a public internet connection. A VPN, like the one offered by Aura, can provide an extra layer of security, protecting you and your finances from potential threats.
2. HAVE A PICNIC
Choose a beautiful park or porch and pack a picnic basket with your favorite snacks. As you enjoy the serene surroundings, check out what your money is doing. Discuss your current budget, net worth, debt, and investments, and explore new money opportunities. This outdoor setting provides a refreshing backdrop for conversations about growing your wealth. If you are planning your wedding, also discuss your wedding budget to see if you are on track or need to make adjustments.
Need help tracking your expenses as a couple? Check out a budgeting app like Monarch Money. This app lets you track your spending, monitor your net worth, and set shared financial goals and recommendations, making it a great tool for managing money with your partner on your money dates.
3. HAVE A BOOKSTORE MONEY DATE
Visit your local bookstore or library and spend time in the personal finance section. Borrow books on various financial topics, such as budgeting, investing, retirement planning, or how money can impact your life. One classic book to read about personal finance is called “Your Money or Your Life” by Vicki Robin et al. “Your Money or Your Life” teaches you how to transform your relationship with money and achieve financial independence, making it a perfect read for a money date to inspire meaningful discussions and actionable steps with your finances. After reading, find a quiet spot to discuss the insights you’ve gained with your partner and how you can apply them to your financial strategy.
4. COOK DINNER AND DISCUSS MONEY
You can also have a fun money date at home by cooking while discussing your finances. Prepare a special homemade dinner and set a romantic table at home. During the meal, open up about your current debts and create a plan to pay them off, or your financial dreams for the future. If you don't want to cook, you can still enjoy your money date over a delicious meal or snacks while tackling your finances.
5. TAKE AN ONLINE WORKSHOP
Find an online financial planning workshop or webinar to attend together. Set up your home office or living room with notebooks and snacks and engage in the workshop’s activities. Afterward, discuss the key takeaways and how to implement the new strategies in your financial plan.
6. WALKING MONEY DATE
Take a leisurely walk through your neighborhood or take a scenic hike while talking about money. Use this time to discuss your financial dreams, savings goals, and plans. Do you want to invest more? How about planning a house down payment? You can pay off your debt within five years or retire by age 55. The physical activity and fresh air can stimulate open and creative discussions, helping you feel more connected and aligned.
7. WEEKEND RETREAT
There is nothing like a change in scenery to spark creative ideas for the future. Plan a weekend trip to a nearby city or town for your next money date. Spend your mornings exploring and enjoying new experiences, then dedicate your evenings to discussing your financial future. Use the change of scenery to inspire new ideas or get a different perspective on your money.
8. GAME NIGHT MONEY DATE
What to have some fun on your next money date? Organize a game night after your money date at home with financial-themed board games like Monopoly or The Game of Life. Playfully competing and strategizing together can lead to meaningful discussions about your real-life financial strategies, then review your budget and spending.
9. VISION BOARD MONEY DATE
Need some inspirational ideas to empower and encourage you on your next money date? Gather supplies like magazines, scissors, glue, and poster boards, or use your Pinterest account to create a vision board for your financial future together. Create vision boards representing your financial goals, dream purchases, and future aspirations. Share your boards and discuss how you can work together and use your money to make these visions a reality.
10. VISIT A FARMERS' MARKET
Go to a local farmers’ market and enjoy shopping for fresh produce together. Afterward, find a quiet spot to sit and discuss your grocery budget and ways to save money. Talk about meal planning, bulk buying, and other cost-saving strategies. This practical date helps you align your spending habits with your financial goals.
11. MOVIE MONEY DATE
Love movies? Plan a cozy movie night at home with a finance-related or fun film. After watching or during the movie, discuss aspects of your budget or what you learned from managing your money.
12. VOLUNTEER OUTING MONEY DATE
Spend a day volunteering at a community center or charity organization. After your volunteering session, discuss how charitable giving fits into your financial plan. Talk about the causes you’re passionate about and how you can make regular contributions while staying on track with your other financial goals.
13. MONEY DATE BRUNCH
Head to your favorite brunch spot or have brunch at home while on your money date. Enjoy a delicious meal while discussing your financial milestones, celebrating recent achievements and improvements, or setting new goals for the future. The relaxed atmosphere of a brunch date can make financial planning feel less formal and more enjoyable.
14. HOTEL LOBBY MONEY DATE
Plan a trip to a luxurious hotel lobby in your area to have your money date. The elevated surroundings will inspire you and help you learn how to create wealth. You might also be encouraged to plan a re-anniversary trip, discuss your dream life in retirement, or discuss how you can reach financial independence faster.
CONCLUSION
Integrating money dates into your routine can transform financial planning from a chore into a fun activity you look forward to. Making these discussions regular and enjoyable will build a solid financial foundation, ensuring a prosperous future for you and your partner so that you can create the future you hope for.
IN SUMMARY
14 Fun and Creative Money Date Ideas
- What is a money date? It is a scheduled time to discuss money with your partner.
- Why is a money date important?
- Greater accountability for what your money is doing.
- Create goals for your money.
- Improve overall financial literacy.
- Improve communication about money.
- Watch your money grow.
- 14 fun and creative money date ideas.
- Coffee shop. Try Aura to protect yourself with a VPN.
- Have a picnic. Use a spending tracking app like Monarch Money to review your spending.
- Have a bookstore money date. Check out “Your Money or Your Life” by Vicki Robins et al. for inspiration for your money dates.
- Cook dinner and discuss money.
- Take an online workshop.
- Walking money date.
- Weekend retreat.
- Game night money date.
- Vision board money date.
- Visit a farmers’ market.
- Movie money date.
- Volunteer outing money date.
- Money date brunch.
- Hotel lobby money date.
Where are you going to have your next money date?
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