In these tough times, it’s important for you and your partner to be on the same page. This definitely goes for how and when you spend your money. Having a budget makes sure you have one less thing to worry about during COVID-19.

Couples need a COVID-19 budget
Couples need a workable budget for COVID-19
Photo courtesy of Steve Buissinne

1. Don’t Ignore the Budget

It’s tempting to pretend things will be okay without a budget. Maybe, you don’t feel like talking about money. Maybe, seeing the dollars on paper is a scary thought. Maybe, you’ve tried setting a budget before, but it didn’t go well. Unfortunately, ignoring money issues won’t make them go away. With COVID-19 shaking the world, it’s better to start now.

As soon as you can, tell your partner you want to talk. Don’t spring it on them at the last minute. You want to give them time to get ready for the budget planning too.

Couples need to talk about their COVID-19 budget
Couples should be able to talk about their budget
Photo courtesy of Omar Medina Films

2. Prepare for a Detailed Budget Conversation

Once you’ve set a time, get ready to go into details. It’s not enough to say you need to save money or spend less. Talk about how you’re going to do it. Write down actual figures for bills that need to be covered in your budget. Decide if you need to shift money elsewhere. For example, maybe you need to increase your emergency funds. That’s not a bad idea during this COVID-19 pandemic.

When creating your budget, don’t leave out ways you or your partner could bring in some extra income. COVID-19 has caused a lot of problems, but there are also opportunities. If you’re worried about cash flow, now’s a great time to look for ways to make money online. Most importantly, both partners need to be honest about debts.

Couples can see growth with a COVID-19 budget
A COVID-19 budget can make room for growth
Photo courtesy of Nattanan Kanchanaprat

3. Know Your Budget Isn’t Set in Stone

Your budget is supposed to work for you, not the other way around. That means you need to keep working on it. This is especially true if you and your partner have different views on money. If you’re having trouble sticking to the budget, sit down again and make changes. Since you’ve done it before, it will be easier the second time.

The COVID-19 pandemic is far from over, so make sure to look at your budget with your partner again as things change. Keep up with what’s happening, so your budget is in line with what you need.


It’s not easy to manage money as a couple, but it’s not impossible. Now, more than ever, you need to have a budget that works during and after COVID-19.