Facing debt as a couple can be a tough test of your partnership but also, a big opportunity for growth. When you and your partner align on goals, share responsibilities and execute strategies and plans as a team, debt becomes a shared mission rather than a silent burden.
Below we’ve handpicked six essential tools and resources — plus expert insights — to help you and your partner tackle debt together.
6 Tools and Tips for Couples in Debt
1. Free Budget Spreadsheets for Couples
Track income and expenses with templates from Accredited Debt Relief.
How it helps: Before you can tackle debt together, it’s a good idea to make sure you have a baseline budget. These spreadsheets break down every dollar so you both see where money goes and spot saving opportunities quickly.
2. Money Talk Guide
Open honest conversations without blame. Follow Accredited Debt Relief’s step-by-step tips.
How it helps: The hardest debt to conquer is the one you don’t talk about. This step-by-step guide helps you start the conversation — without blame or shame — so you can align on goals, share concerns and build a judgment-free plan together.
3. Identify Debt Collector Harassment
Follow Consumer Financial Protection Bureau’s (CFPB) guidance to ensure you can identify and protect yourself from harassment.
How it helps: Facing aggressive collection calls can fracture trust and confidence. The Consumer Financial Protection Bureau explains your rights under the Fair Debt Collection Practices Act, sample dispute letters and an online complaint portal if your rights are violated. Arm yourselves with knowledge before you respond.
4. Money Personality Quiz
Identify each partner’s financial style with Nerd Wallet’s free quiz.
How it helps: Understanding your money habits can improve communication and reduce conflict. This free quiz helps each partner identify their financial style and adapt so you work as a team. See results and tips for balancing priorities.
5. Couples Budgeting Apps
Apps like Honeydue let partners sync accounts, set spending alerts and share budgets in real time.
How it helps: These apps update balances instantly so both partners see spending as it happens. That transparency reduces surprises, keeps you accountable and helps you adjust budgets on the fly.
6. Regular Money Dates
Set up a standing check-in—grab coffee or tea once a month—to review spending, sync on goals and celebrate every repayment milestone.
How it helps: Regular check-ins do more than track numbers. They build trust and make financial planning an act of love. These wins show each partner’s effort — and remind you why you’re tackling debt as a team.
How Money Issues and Debt Can Affect Relationships
Debt isn’t just a number — it carries emotional weight that can affect every aspect of your life. For example, when couples fall behind on payments or disagree about spending, it can erode trust, spark resentment and even damage intimacy. Financial Wellness Advisor, Dr. Erika Rasure explains why:
“Getting out of debt as a couple isn’t just about numbers, it’s also about connection. Setting aside time for a money date with your partner creates space for understanding, healing, and trust-building. Money dates that include judgment-free money conversations become a gentle reminder that you’re in this together—that you are truly not alone—as you work side by side laying the emotional and financial foundation for a hopeful and joyful future.”
When you don’t talk openly, small frustrations about a forgotten bill or unexpected purchase can balloon into arguments. Conversely, sharing financial wins — even tiny ones — builds momentum and reminds you that you’re tackling the challenge as a team.
Tips For Taking Action
- Choose your starting point — download the budget spreadsheets, take the quiz or review the conversation guide.
- Set a monthly “money date” — block 15 – 20 minutes each week to do a spending update, check balances, celebrate small wins (paid-off card? 🎉) and adjust next steps.
- Arm yourselves with knowledge — bookmark the CFPB toolkit so you can confidently handle any collector call.
- Celebrate progress — acknowledge each milestone, no matter how small, with a date night, a walk in the park or simply a high-five.
- Reach out for expert help — If you’re struggling with debt, consider talking to a Consolidation Specialist together and seeing if any options fit your needs.
Debt Consolidation Options for Couples
Debt consolidation options combine multiple debts into a single, manageable payment. Depending on the specific option, potential benefits include lower interest rates, reduced monthly payments, shorter repayment terms or lower total costs.
- Consolidation Loans or Balance Transfers: Ideal for those with good credit facing high-interest debts. Simplifies payments and may lower rates.
- Debt Resolution: This involves working directly with creditors or hiring a company to negotiate on your behalf to reduce the total balance owed. The goal is to lower monthly payments, often with a fixed repayment term.
Consolidation can simplify bills but may extend your repayment period. Compare terms carefully and consider talking with a pro about consolidation loans or balance-transfer cards.
Ready to get out of debt as a couple?
Talk with Accredited Debt Relief’s experts for a free consultation. They can help you build a plan for your debt and pave the way to financial freedom with your partner.
The content of this article is intended solely for informational and educational purposes. It does not constitute professional financial or mental health advice, and you should always consult with a qualified expert for personalized guidance.