Creating a Money Date: How Small Check-Ins Transform Your Finances & Reduce Stress

MARI DELGADO C.F.P

A FEMCITY GLOBAL MEMBER AND SUPPORTER

A money date is a gentle, focused check‑in with your finances. A short, regular meeting you have with yourself or with a partner to align goals, celebrate progress, and make small, intentional decisions. It turns financial overwhelm into clarity and connection.

*Studies show that couples who regularly discuss finances are 42% more likely to achieve long-term goals. And individuals who track spending monthly save 15–20% more on average. A money date helps you build that rhythm.

You can start with 5 simple steps

1.        Pick your cadence and vibe

Choose a weekly 30-minute check-in or a monthly 60-minute review. Make it cozy: light a candle, pour a glass of wine, or play music.

2.        Set a kind, low-pressure agenda

Begin with a win: “What felt good financially this week?” Then review one small action (for ex. transfer $100 to savings) and end with one question to explore next time.

3.        Bring one clear set of numbers

Focus on just three things: account balances, upcoming bills, and one investment snapshot. Fewer items keeps the conversation focused and less intimidating.

4.        Add one value-based reflection

Ask: “Does this spending reflect what matters most to me/us?” This builds alignment between money and meaning.

5.        Celebrate and stay curious

Progress over perfection. Be gentle, not judgmental. If you’re doing this with a partner, name one shared value and one next step.

Money dates evolve with your life. Over time these small, consistent meetings become the backbone of confident financial decision making and more peaceful money conversations.

Representatives do not provide tax and/or legal advice. Any discussion of taxes is for general informational purposes only, does not purport to be complete or cover every situation, and should not be construed as legal, tax or accounting advice. Clients should confer with their qualified legal, tax and accounting advisors as appropriate. Some health insurance products offered by unaffiliated insurers. Maria Delgado is a registered representative of and offers securities and investment advisory services through MML Investors Services, LLC. Member SIPC.

*Source: https://ascensioncounseling.com/budgeting-as-a-team-strategies-for-couples-to-achieve-shared-goals