How to Track Expenses as a Couple (Without Fighting)

Money is cited as one of the top reasons for relationship stress. But tracking shared expenses doesn't have to be a headache, and it definitely doesn't require merging your bank accounts.

The Problem with "All-In" Merging

Many couples think the only solution is to get a joint bank account. While this works for some, it often leads to a loss of autonomy. You feel judged for that coffee, or your partner questions a surprise gift you bought for them.

The "Yours, Mine, and Ours" Method

A healthier approach is the hybrid model:

• Yours: Your personal personal discretionary spending.
• Mine: My personal discretionary spending.
• Ours: Rent, utilities, groceries, dates.

Why Manual Tracking is Better for Couples

Automated apps often miscategorize transactions. Was that Amazon purchase a gift (personal) or household supplies (shared)?

With a manual expense tracker like Spend Pulse, you consciously decide: "This was for us." It takes 3 seconds, but it builds trust and awareness.

Conclusion

Transparency is sexy. By using a privacy-first tool to manage the "Ours" bucket, you keep your independence while building a financial future together.