Want to raise money-savvy kids? We’ve rounded up the best money books for kids to help you guide them into early financial literacy! Introducing money and its principles as early as possible can help tremendously ensure your kids have a bright financial future. So keep reading to learn more about the benefits of finance books for kids and our top picks!

Understanding money principles is the first step before children can put those principles into practice. We also know that repetition is the best way to learn. So, adding short stories about money to your child’s book rotation is a fantastic way to get them interested in the topic.

Here are some of the benefits of money books for kids!

Benefits of reading children’s books about money

“Children see, children do.” Have you heard this before? It’s true, though, isn’t it?

Sometimes, our children copying us is just something that seems funny. However, the more our children copy us, the more habits they acquire.

For instance, children can mimic the way we speak and walk. They can also learn from our money habits.

Your children will notice if you’re calmer and more relaxed with your money. But if your kids have seen or heard you worry about money, you might need countermeasures such as introducing more positive interactions with money.

Taking time to explain simple things like paying for groceries is a good start. Then, you can drive the lessons home by teaching your kids about budgeting through some finance books for kids.

Likewise, reading more children’s books about money is a great way to bond with your child and can provide additional benefits. 

Creates a healthy relationship with money from an early age

Many adults have unhealthy relationships with money. They might think that money is evil. Some adults overspend money because they don’t want to manage it. However, by introducing the concept of money through fun characters in financial literacy books for kids, children can start to develop a healthy relationship with money.

Books help introduce money as a positive tool that can be used to better their lives.

Children can learn about money in an enjoyable and relatable way

In the eyes of children, money may seem like an adult thing. After all, the parents go to the grocery store to buy food. Children see their adults going to work every day to make money, which is something children don’t have to do.

Because of their limited interactions with money, books make the concept of money relatable. Children learn that they, too, can earn, save, and use money. 

Crucial money and life skills can be learned in a fun way

Many children’s books simplify money concepts such as budgeting, saving, and investing. So, if you find yourself overwhelmed when explaining these topics, books can help.

Financial books for kids can also teach children crucial life skills such as delayed gratification, patience, and setting goals for the future.

21 Of the best finance books for kids

Let’s get into our best money books for kids that are sure to inspire and motivate your kids to build a solid financial foundation! You can click the images to learn more about each book.

Note: These best money books for kids are linked via affiliate links that help us grow Clever Girl Finance! Please see our disclosures for more information.

1. Investing for Kids: How to Save, Invest And Grow Money by Dylin Redling And Allison Tom

Raising money-savvy kids is easier with books like “Investing for Kids“. It gives kids ages 8 to 12 a jump-start on the basics of how money works, such as how to earn it and how to start a savings plan. All of these help children look forward to a future with money in the bank.

The Dollar Duo, Dylin Redling, and Allison Tom also cover essential and engaging information on kids investing and how to make money grow to build wealth. In addition, the book delivers interactive activities and discussions that children of all ages will enjoy about investing.

2. Finance 101 For Kids: Money Lessons Children Cannot Afford To Miss by Walter Andal

Walter Andal was frustrated with the lack of personal finance resources that his children could learn from, so he wrote one. The book “Finance 101 for Kids” is exactly what it sounds like.

It’s one of the most informative and entertaining money books for kids to help them understand how money works. The book will help them build a solid foundation for handling money. It even teaches the importance of giving back to the community.

3. How to Turn $100 into $1,000,000: Earn! Save! Invest! by James McKenna, Jeannine Glista, et al.

How to Turn $100 into $1,000,000 is a thorough introduction to finance for kids ages 10 to 12. It also includes many helpful tips on setting financial goals, investing wisely, and starting a business.

The book also emphasizes saving with the added bonus of teaching your kids to think like a millionaire. I love that it clearly states that millionaires do not spend a million dollars but know how to keep a million dollars.

Young readers will enjoy the inspiring stories of how different people became millionaires. In addition, the graphics and the layout are fantastic. They make the book easy to read and help keep the young people’s attention. 

There are so many reasons why we included this book in this list of the best finance books for kids.

4. A Smart Girl’s Guide: Money (Revised): How to Make It, Save It, and Spend It (Smart Girl’s Guides) by Nancy Holyoke and Brigette Barrager

Introducing books written from your child’s perspective, like A Smart Girl’s Guide, is a great way to get them interested in money. In this read, Nancy Holyoke and Brigette Barrager teach girls money management in an easy and fun way.

The book has quizzes, tips, and helpful quotes from other girls that will delight and inspire your middle schooler.

5. Money Ninja: A Children’s Book About Saving, Investing, and Donating (Ninja Life Hacks) by Mary Nhin

The Money Ninja book is part of the Ninja Life Hacks books series geared to kids ages 3 to 11. It teaches children essential life skills through stories with colorful illustrations and adorable characters.

Read it with your toddlers and young children. It’s an excellent way to introduce the concepts of earning money, saving, and giving. All of which promote a growth mindset.

6. Grandpa’s Fortune Fables: Fun Stories to Teach Kids About Money by Will Rainey

Use Grandpa’s Fortune Fables to bond with your kids over fun and short stories about money. It features Gail, a 13-year-old girl, who shares her Grandpa’s adventures to a faraway island. Each chapter is a money lesson to help kids discover how to manage money.

Will Rainey does an excellent job of introducing financial concepts in an easy-to-digest format. The book is easy to read and provides action steps for your kids to take.

Reading and discussing the lessons is a fantastic way to teach your kids about money early on. That’s why we added this book to our list of the best finance books for kids.

7. Kid’s Activity Book on Money and Finance: Teach Children About Saving, Borrowing, and Planning for the Future—40+ Quizzes, Puzzles, and Activities by Allan Kunigis

Children are sponges who soak up every bit of what goes on around them. As parents, we can nurture that thirst for knowledge with awesome books like Kid’s Activity Book on Money and Finance.

Your child can learn about money through engaging activities like word searches, crossword puzzles, rhymes, quizzes, and other games.

The activities introduce children to the principles of money. Even if it only prompts them to ask questions, that’s a good starting point to lay the foundation of financial literacy.

8. What is Money?: Personal Finance for Kids by Kelly Lee

In a world where kids often don’t see us paying for things, it’s even more important to introduce the concept as early as possible.

“What Is Money?” is an excellent book to read to your toddler.

It has short stories about money, drawings, simple language, and colorful pages, everything that’s age-appropriate for your toddler.

The book contains a series of questions with straightforward explanations and examples. This is one of the children’s books about money that gets our vote. Your kids will love to read it over and over again.

9. Investing for Teens: How To Invest and Grow Your Money! by Alex Higgs

Investing is a loud space right now, especially on social media. It seems everyone is an expert, but they’re all saying different things. So, help your teen get the right advice and helpful information with one of the best money books for kids.

The book Investing for Teens is geared towards young adults, ages 13 to 18, as a step-by-step guide on building a solid foundation for their future. It covers a multitude of topics to help them manage and grow their money and set themselves up for financial independence.

10. The Everything Kids’ Money Book: Earn it, Save it, and Watch it Grow! by Brette Sember

Help your children comprehend the value of money and become financially responsible adults with The Everything Kids’ Money Book.

Your kids will learn about the basics of money, such as how bills and coins are made and what they can buy.

Brette Sember also discusses how kids can earn, save, and invest money. Most importantly, it’s one of the children’s books about money that tackles the ins and outs of financial technology – a must for kids growing up in a digital era.

11. Heads Up Money by Marcus Weeks

The Heads Up Money book covers complicated financial and economic topics, including supply and demand, investing, and market trends. It answers inquiries like, “What would happen if the bank simply prints more money?”

Even though the topics are complex, the author presents them in a dynamic, fun, and easy-to-follow format geared toward kids in grades 5-12.

12. I Want More Pizza: Real World Money Skills For High School, College, And Beyond by Steve Burkholder

I Want More Pizza is a perfect mini-book for teens who are not big readers. Even though it’s short, this book still packs a punch.

It uses the pizza model to break down barriers around young adults’ hesitation to learn about money management.

If your kid is a teenager, you know how hard it is to get them interested in something.

So, get them a book about pizza that teaches them about saving, spending, goal setting, how to invest, and taking real-world action.

13. Kyng & Kyren’s Generational Wealth Building Activity Book by Kyren Gibson

When Kyren became a dad, he decided to change his life. He wanted to leave a legacy for his son, Kyng. Thus began his journey of learning how to build generational wealth.

He wrote Kyng & Kyren’s Generational Wealth Building Activity Book to help educate his community on the fundamental blocks of finances. And he makes learning fun, engaging, and motivating.

14. More Money, Please: The Financial Secrets You Never Learned in School by Scott Gamm

More Money, Please is a personal finance crash course ideal for high-schoolers, college students, and recent grads. It is a comprehensive, easy-to-understand introduction to money management.

It walks readers through the best budgeting practices, paying for college without getting into debt, and saving for retirement early.

In this book, Scott Gamm also discusses why having a credit card can be good and how to use technology and smartphones to pay bills on time.

15. Money Matters Made Easy: A Guide to Financial Literacy for Kids by Terence Hover 

Is your kid a young entrepreneur at heart? What better way to nurture their business ideas than with a book about financial literacy?

Written for children ages 11 to 14, “Money Matters Made Easy: A Guide to Financial Literacy for Kids” helps children set a solid financial foundation for a brighter future. 

It is a book that empowers children to make smart financial decisions and helps them avoid financial mistakes. It also teaches them how to budget, save, and give back. Terence Hover helps young readers achieve financial success.

16. Reach for the Stars: Introduce Basic Financial Concepts While Empowering Kids to Think Big! By Michele Cho-Dorado and Kaori Hamura-Long

The book tells a relatable story about a girl named Mimi who wants to buy something but doesn’t have the means to do so. Instead of giving up, Mimi comes up with an idea to start a business and earn the money she needs.

An ideal book for children ages 3 to 10, Mimi’s story in Reach for the Stars is an excellent example of not only earning your own money but also the importance of giving back. 

It is also a great book to inspire children to set goals and turn their ideas into something more.

17. Investing for Kids: From Piggy Banks to Portfolios – A Fun Guide to Financial Literacy for Ages 8 to 12 by Freeman Publications and Natalia Berezina

Investing for Kids takes young readers through various aspects of money. In this book, children will learn the basics of budgeting for wants and needs.

Additionally, they’ll learn about more complex financial topics, such as credit cards and interest rates. 

Freeman Publications and Natalie Berezina created a book that empowers children to be investors and entrepreneurs. The book also gives the history of money and shows how money is used all around the world. 

18. Black Wealth: Teaching Your Child Financial Literacy – Practical Activities You Can Do at Home to Set Your Kids Up for Financial Success by Dr. S Bowe 

The concept of wealth can be a big idea to grasp. However, the earlier children learn about it, the better their chances of obtaining it.

Black Wealth introduces practical activities that you can use to teach your children how to be financially literate. 

If you’re determined to break the cycle of generational poverty and start building generational wealth with your children, this book is for you. 

19. Three Little Piggy Banks: Financial Literacy for Children by Pamela Georg, illustrated by Meredith Luce 

Three Litte Piggy Banks is a helpful book that teaches valuable lessons about money while also teaching children essential life skills. 

The story is based on two twins, Andy and Ella, and is ideal for siblings. Rather than buying the twins what they wanted for their 5th birthday, their parents gave them three piggy banks. 

Needless to say, the twins were shocked that they wouldn’t receive the camera and bike they wanted. However, they quickly learn that money has more value than simply spending.

As the story unfolds, the twins learn how a piggy bank can be the key to getting what they want and more.

20. Think Like a Boss – Kids Edition: 47 Money Making Ideas for Young Entrepreneurs, Earn Key Skills for Future Job Success in the Workplace or in Business. Helping Kids Learn Money Management Early by Miss Jemma Roedel

Back in your day, you probably had a handful of ways to make money. Perhaps you had a lemonade stand, mowed lawns, or babysat. If you’re looking for a way to encourage your child to make their own money, as you did, then Think Like a Boss: Kids Edition is the book you must own. 

With 47 fun ways for children to earn money and tips on managing it, your child can be on their way to being a millionaire. Yes, children can be millionaires, too.

The great thing about this book is that these job ideas don’t require your child to have a particular skill or talent. Anyone can use these money-making ideas.

21. Money Plan by Monica Eaton, illustrated by Anastasia Cartovenco

What makes the book Money Plan so fun is that it’s written in rhyming verse. It’s a story of Mia and her mom and their Saturday morning trips to the grocery store. 

The story introduces the concept of money management in a fun and enjoyable way.

Expert Tip: Earlier is better when it comes to teaching kids about money

Many parents question which age they should start talking to their children about money. The simple answer to this question is the earlier, the better. By age three, children can recognize different coins and understand that money is used to buy different items. And so, to foster their understanding, it’s helpful to communicate money concepts in a fun and relatable way.

Additionally, if you want to introduce your children to financial literacy books, it’s best to start incorporating them in your daily routines. For instance, if you usually read bedtime stories, that is an excellent opportunity to swap out a fairytale for a finance story.

You can also support your children’s learning by asking them about what they’ve read in your finance books during dinner. Talking about the concepts your kids read about in their money books will reinforce their learning.

Why read money books for kids?

Money books for kids can help children learn about finances, people, and events outside their own experiences. As a result, it exposes them to new ways of life, ideas, and beliefs about the world.

Children’s books about money are a great way to teach young kids that they can create something different and better than what they currently know.

Additionally, these books provide more reliable information to older kids and teenagers. Especially since, teens today receive an overwhelming amount of financial advice from online platforms. Unfortunately, not all of this advice is trustworthy.

Lastly, as adults, most of us worry so much about money. As a result, finances can be a charged subject when we bring it up with our children. Often, we color our conversations around money with our own difficult experiences, money stories, and biases. And it turns our children off from listening, let alone learning. That’s why handing your kids a money book is sometimes a better idea.

How do I teach my child about money?

A simple way to teach your children about money is by talking through processes that involve money. When you go to the grocery store, start mentioning the prices of different items. You can also incorporate giving children an allowance. 

However, to give your children a well-rounded view of money, it’s a good idea to leverage financial literacy books for kids. Books offer fun storylines and characters that can help children digest the concept of money. 

Lastly, remember to model healthy money habits for your children. Staying within your budget, having positive conversations about money, and setting money goals are also ways to set positive examples. 

What is the best book for learning money?

The best book for learning money can depend on your financial needs. However, some of the best books will cover the basics of financial literacy, earning and budgeting money, investing and saving money, and include tips on avoiding or paying off debt. 

Bestselling finance books include practical tips, inspiring stories, and useful information. 

Some bestsellers include “I’ll Teach You How to Be Rich,” “Clever Girl Finance-Ditch Debt, Save Money & Build Real Wealth,” and “Rich Dad, Poor Dad.”

What is basic financial literacy for kids?

Financial literacy for kids can be simple. It starts with understanding where money comes from and how to use it responsibly.

Financial literacy books for kids will teach them how to earn money, how to budget or manage money, how to save money, and how to invest. 

When kids understand how to earn, use, save, and invest money, they are more likely to grow into adults who understand how to obtain financial success.

Related articles on financial literacy for kids

If you enjoyed this article on financial literacy books for kids, check out this related content!

• Budgeting For Kids: How To Get Them Started
• 47 Great Business Ideas for Kids!
• Financial Literacy for Kids: How to Raise Them Well
• Successful Decluttering With Kids: 6 Helpful Tips! 
• Why Is Personal Finance Important?

Raise financially savvy children with the best money books for kids!

Many of us got to adulthood without any money management skills. With proper skills, we can avoid numerous financial problems.

We weren’t better equipped because most of our parents didn’t have any knowledge to pass on.

Furthermore, much of the money advice that worked then doesn’t work now. And it probably won’t apply to the world our kids will grow up in.

So, let’s do better for our kids. Start financial conversations early by reading more children’s books about money. Get them interested in exploring financial literacy with the help of the money books for kids in this list.

To keep learning, see the other Clever Girl Finance articles about financial wellness and how kids can make money!

The post 21 Best Money Books For Kids! appeared first on Clever Girl Finance.

The death of a loved one takes a large emotional toll on those closest to the deceased. In addition to grief, you’re also expected to deal with closing out the life of your loved one—from rehoming pets to canceling a credit card after death. Figuring out what to do when a loved one dies can leave you feeling stressed and overwhelmed, but this checklist when someone dies can help make the process easier.

Ignoring practicalities after the death of a loved one could cause even more stress in the long term. Closing accounts, dispersing funds and personal belongings, and notifying the proper agencies and organizations reduces the chance for fraud.

This article will help you go through the checklist when someone dies, making it easier to manage everything that needs to be done. We’ve also gathered answers to some of the most common financial questions after someone passes away.

What to do immediately after a loved one dies

The period immediately following major life events like the death of a loved one is likely one of the most difficult. You’re still coming to terms with their death, and yet you’re expected to take care of things.

You probably aren’t sure what to do when a loved one dies. As soon as you can, start working through these initial steps after the loss of a loved one.

Get a legal pronouncement of death

When deciding what to do when someone dies, your first task is to get a legal pronouncement of death.

If your loved one passes in a hospital or nursing home—where a doctor is on staff at all times—the facility will likely take care of the pronouncement, but you can also reach out to a hospice nurse to get a pronouncement if a loved one passes at home under hospice care, according to the National Institute on Aging.

In cases of an unexpected death, you should call 911 as soon as possible. First responders will arrive and transport your loved one to a hospital.

The first responders may also be able to help you deal with the initial shock or trauma of losing your loved one.

Notify friends, family, and employers

After your loved one is pronounced deceased, your next step is to contact family, friends, and those close to the deceased. Family members to notify right away might include a spouse, living parents, siblings, and children of the deceased.

You may also want to notify close friends of the deceased, such as a lifelong friend from childhood.

Employers or volunteer organizations should also be notified of the death soon. Some people forget this step when figuring out what to do when a loved one dies.

However, the last thing you want to deal with when grieving a loved one is a call asking why they’re not at work.

Get guidance from the hospital

If your loved one passes away in a hospital or other care facility, you can ask the facility what they need from you.

In many cases, these facilities take care of some of the initial steps after a loved one dies, which could reduce your stress and give you more time for grieving and mental wellness. After a loved one passes, call the facility for guidance or procedures related to the next steps.

Arrange care for pets

Did your loved one pass away with pets or dependents living in their home? If so, finding care for them should be a top priority when working out what to do when a loved one dies.

You may be in a position to take them into your home. Doing this could help you in the grieving process by giving you a living connection to your deceased loved one.

If you cannot accept pets into your home, start by asking friends or family of the deceased if they can temporarily take care of the animals or if anyone wants to be a first time dog owner or first time cat owner.

Many animal shelters or rescues may also be available to offer immediate care for animals after the death of their owner.

Making funeral and burial arrangements

After taking care of the immediate needs after the death of a loved one, you can start planning the burial or funeral arrangements and going through the checklist when someone dies. Many people use an estate planning checklist to prepare their end-of-life arrangements in advance.

Your loved one may have a detailed pre-existing funeral or burial arrangement plan. This could include pre-purchased funeral or burial services. If not, consider asking those closest to the deceased, such as a surviving spouse, of any known end-of-life wishes or plans.

Find out if there are any funds to help with the burial

Using your loved one’s end-of-life plans as a guide, start making funeral, burial, or cremation arrangements.

Loved ones who were in the military or part of a fraternal organization may qualify for specific funeral displays and cost coverages.

Certain deceased veterans, for example, may be eligible for Veterans’ burial allowances to help cover the cost of funeral, burial, and transportation.

Prepare for expenses

Be aware that the average cost of a funeral, according to Policy Genius, is over $6,000 to $15,000 or higher. Even if your loved one has funds set aside for funeral arrangements, you might not be able to access them immediately.

This means you or other loved ones may have to cover the initial cost of the funeral. The deceased’s estate will reimburse you later.

Rules about funeral costs

Luckily, the Federal Trade Commission requires funeral homes, directors, and other industry members to follow strict pricing transparency rules. The FTC’s Funeral Rule helps protect consumers dealing with the loss of a loved one.

According to the rule, you must receive an itemized list of funeral home costs. It’s called a General Price List (GPL)—when you visit a funeral facility. Understanding your rights under the rule can help you avoid unexpected costs related to burying your loved one.

Memorials

Many families choose to include a memorial service or gathering of loved ones after someone passes away. Memorial services might offer closure and peace to those who knew the deceased.

However, you are not required to have one, and planning a memorial right after losing your loved one may be difficult.

In that case, you may want to see if another person close to the deceased is willing to take on the responsibility of planning the event if desired.

How to handle estate and legal matters after a death

If your loved one had a medical condition or was on hospice, you may already have their estate planning documents—such as a will—in your possession. If their death is unexpected, you may have to go to their home and look for the documents yourself.

Stepping into your loved one’s home for the first time after they pass can be an emotional experience. You may want to take a trusted friend along to help you deal with the rush of emotions you may face.

It may help to have someone with you when it’s time to look for important estate planning documents, including:

• Wills (Find out more about the importance of a will)
• Powers of attorney
• Trust or legal entity documentation
• Account records such as bank statements
• Debt records
• Identification documents
• Insurance policies
• Birth and marriage certificates
• Recent tax returns

Once the proper legal documents are in your possession, secure the home and personal property of the deceased. Put the necessary legal documents in a safe, secure location until you meet with the estate attorney.

For now, it’s best to keep any documents you find, even if they seem insignificant. Remember, you can always focus on how to declutter paperwork later.

You can contact the post office to forward mail to the estate executor. Do this after you secure the property until after the will reading and the disbursement of the estate takes place.

Forwarding the deceased’s mail allows you to see what bills are due. You’ll also see if there’s any unexpected activity on their credit accounts. That can alert you to deceased person’s identity theft.

Two weeks after death: What to do when someone dies

A week or two after your loved one passes away is often when the bulk of your administrative tasks begin with the checklist when someone dies.

Due to the many things you’ll likely need to do in this timeframe, it’s essential to take time in the first week for yourself. You may want to consider some journaling self care or counseling to help you process your feelings.

Remember, however, as you go through the tasks ahead, it’s okay to take time when needed. Even when things seem to be moving quickly, and you’re wondering what to do when a loved one dies.

Get a death certificate

Two weeks after the death of a loved one is when you should start going through the process of closing accounts, organizing the estate, and initiating probate if necessary.

You’ll need a death certificate for most of these tasks, so starting there is a good idea. Most experts recommend getting 10 to 20 copies of the death certificate. This ensures you have enough certified copies to send to all institutions you have to notify of the death, such as banks or insurance companies.

If you’re working with a funeral home, the director will likely help you secure death certificates from the state. You can also request a death certificate copy from the vital records office of the state where the death occurred.

Talk with an estate attorney or probate lawyer and identify the executor

You may need to talk with an estate attorney if your loved one has a will. Estate attorneys help families plan and execute their estates.

You might also need a probate lawyer. They can help you with the probate process and distributing assets.

For families with a will, the document should name an estate executor or a personal representative for the deceased. Going forward, the executor will likely handle most of the tasks required of the estate.

In many cases, the closest family member is the executor, such as a spouse or eldest child.

Your estate attorney can help you better understand your role if you’re the executor. This can include what steps you need to take regarding the legal proceedings of the estate.

Hire other financial and tax professionals

Consider hiring a Certified Public Accountant (CPA) and other financial and tax specialists to help manage the financial aspect of the estate. A CPA will help you navigate the tax process of funds from your deceased loved one.

Depending on the estate size and what types of accounts your loved one had, you may wonder, “Do I need a financial advisor?” It may be a good idea to hire one.

A financial advisor will aid you in understanding the financial assets of an estate. After distributing funds and assets, your advisor can also help you manage any windfalls that come your way.

For example, your loved one had a significant nest egg in a savings account. You now need to learn how to invest 100k. Working with a financial advisor could make it easier to navigate your options.

Verify the will through probate

Probate is the process of legally distributing assets from the deceased’s estate. Estates with a will generally go through probate to verify the document’s authenticity. With a well-defined will and last wishes, the probate process is usually quick and uncomplicated.

However, if your loved one didn’t have a will, the probate process will likely take much longer. An estate without a well-defined plan for assets could lead to lawsuits between heirs, extending the probate process.

Each state has different laws regarding probate, so it’s often worth hiring an experienced probate lawyer to help you through the process.

Financial and administrative tasks after someone passes away

When deciding what to do when someone dies, you’ll probably wonder what happens to bills (see how to catch up on bills if needed), recurring services, and the physical property of the deceased.

Once the court verifies the deceased’s will, you can begin processing assets, canceling bills, and deactivating the deceased’s identity.

Inventory assets and properties

The probate process often includes an inventory of the deceased’s assets and belongings. This list includes significant assets like real estate and cars, as well as personal belongings such as furniture, jewelry, and clothing.

You may consider hiring an appraiser to help sort through your loved one’s belongings and get an accurate estimate of the value of the assets.

Going through a loved one’s belongings can cause a range of emotions. You might feel raw grief being in their home without them, or you may be able to relive happy memories as you go through their things.

No matter what you’re feeling, inventorying a loved one’s things might be overwhelming. It may be a good idea to take a trusted friend or relative to help you through the process.

Search and record additional assets

You may find your loved one had other non-physical assets that need to be counted in the estate’s value. Generally, these assets include bank accounts, investment accounts, and retirement plans.

This process can take years, depending on how many unexpected assets your loved one carries. Start by searching through safe deposit boxes and filing cabinets in the deceased’s home to find documents related to these accounts. It’s also recommended to check your loved one’s mail regularly for statements from unknown accounts.

Additionally, you can look through past tax returns to understand what accounts your loved one owned.

List bills and debts owed by the deceased

Going through an unexpected bank account after death isn’t the only type of statement you should look for in your loved one’s mail. Your loved one probably had monthly bills, such as utility bills, cell phones, cable alternatives, or cable plans.

Make a list of the ongoing bills and any debt your loved one had at the time of their death. This will help the executor know what needs to be paid by the estate and also give you a list of services that need to be canceled.

Get rid of subscriptions and services

The cost of cable, streaming services, cell phones, magazines, and more will continue to be charged to the deceased unless you cancel the accounts. Using your list of bills, cancel any subscriptions or recurring services of your loved one that are no longer needed.

However, you may want to avoid canceling utilities like power or water for now. This will help keep the home livable while you go through your loved one’s belongings and clean up the house.

Deactivate the passport

If your loved one has a passport, you’ll need to contact the federal government to deactivate it, reducing the chances of identity theft. This might require you to send in the passport with a certified copy of the death certificate.

If you’d like to keep the passport as a memento of your loved one, you can request the passport office send it back after processing the cancelation. This allows you to have a keepsake of past travels and adventures with your loved one.

What to do when a loved one dies: agencies and organizations to notify

In addition to deactivating your loved one’s passport, there are several agencies, organizations, and businesses you’ll likely need to notify of your loved one’s passing. Many of these organizations will require a certified copy of the death certificate to verify the deceased and may have a form you must fill out.

Common organizations and agencies you’ll likely need to notify include:

• Social Security Administration (SSA)
• Insurance companies
• Banks and financial institutions
• At least one credit bureau (TransUnion, Equifax, or Experian)
• Driver’s license authority, such as the Department of Motor Vehicles (DMV)
• Credit card companies

Most agencies and organizations will inform you precisely what needs to be done to cancel or close an account.

However, you can get started with this checklist when someone dies to help you close accounts:

• Contact DMV to cancel their driver’s license, if applicable.
• Close credit cards or remove the deceased as an authorized user.
• Make life insurance claims where appropriate. (Find out more about the importance of life insurance.)
• Terminate other health-related insurance such as long-term care or health insurance.
• Delete or memorialize social media accounts.
• Close email and other online accounts, if accessible.
• Update voter registration status.
• Contact rewards programs, such as hotel rewards or frequent flyer programs, to see if you can transfer rewards to a beneficiary.

Expert tip: Take care of your mental health during this difficult time

Everyone experiences grief differently following the death of a loved one. No matter how you process your loss, it’s important to take care of yourself and get the help you need.

After all, you can’t pour from an empty cup and still be there for family and friends. As you deal with your loss, consider the resources available to you—from talking with close friends to seeking a mental health provider or counselor to help you cope with grief.

How do I notify Social Security of a death?

Generally, the funeral home director will notify the Social Security Administration (SSA) of your loved one’s death.

However, suppose they do not offer this service, or you’re going through a non-traditional burial route. In that case, you may have to contact the SSA to notify them via phone or by visiting your local Social Security office.

Who has power of attorney after death if there is no will?

Power of attorney dissolves upon the death of the person and is no longer valid. Though many people authorize a power of attorney during their lives, giving a trusted family member or representative the authority to act on their behalf if they become incapacitated.

After death, the only person in charge of the estate is the named executor in the will. If there is no will, the local probate court will name a personal representative.

In most cases, the representative is a close family member or friend of the deceased.

What accounts need to be canceled after someone dies?

You may not realize just how many subscriptions, services, and accounts you have until you have to cancel those of a loved one. Common accounts you may have to cancel after the death of a loved one include:

• Bank and financial accounts
• Credit cards
• Mortgage or rental agreement
• Retirement accounts
• Loans such as car loans
• Online payment accounts, such as PayPal or Zelle
• Insurance
• Utilities including electric, gas, water, garbage, sewer, and internet
• Entertainment subscriptions such as cable TV, streaming services, or music subscriptions
• Mail subscriptions, including newspaper or magazines
• Online or software subscriptions like Amazon Prime or online storage
• Memberships to trade unions, gyms, or wholesale stores
• Social media accounts and email

How long do bank accounts stay open after death?

The FDIC will keep insuring the account for 6 months after death. You’ll likely have to provide a certified copy of the death certificate, court documents, and social security number in order to close the account.

If you have a joint bank account with the deceased, you may be able to reclassify the account as an individual account in your name only.

Knowing how to close a bank account is important in this situation.

What happens to a person’s credit cards when they die?

You will need to call credit card companies to let them know your loved one has passed away. Once canceled, the deceased’s estate pays any outstanding balances for a credit card after death.

Do I have to pay the credit card debt of my deceased loved one?

No, in most cases, the executor pays off the debt from the estate’s value, and you do not have to pay the credit card debt. If there is more debt than the estate’s value, the debt goes unpaid.

The exception is if someone shares responsibility for the credit card after death of the cardholder. If you are a co-signer on the credit card, you will likely have to pay off the debt.

However, authorized users on a credit card account are usually not considered responsible parties and don’t have to pay back the debt.

What happens if there is no beneficiary named on a bank account after death?

If there is no beneficiary named on a bank account after death, the account will go through probate law.

However, this can vary significantly based on state and local law, especially if there’s no will from the deceased. It’s good to check with a local estate attorney to learn more about your situation.

Do beneficiaries pay taxes on 401k inheritance?

Yes, if a beneficiary takes the 401k inheritance as a lump sum, it is taxed as normal income, but there are many other rules depending on what you do with the 401k.

It’s best to consult a trusted tax professional to figure out what to do when someone dies and leaves you a 401k.

Can a 401k be transferred after death?

There are rules for beneficiaries with a 401k after death. Most 401k accounts can be rolled into an inherited IRA (individual retirement account), which generally must be emptied in the 10 years following the rollover.

Beneficiaries may also be able to keep the account where it is and withdraw funds over the next decade.

Spouses, however, have additional options when they inherit a 401k after death. A spouse beneficiary can choose to keep the 401k at the current location, roll the balance into their own 401k account, or roll the inherited 401k into an inherited IRA.

There are exceptions and requirements to these options, so it’s a good idea to work with a tax professional or financial advisor to understand better how to handle the money in a 401k.

What is an inherited IRA?

An inherited IRA is an IRA inherited by a beneficiary. Inherited IRAs can be funded by a rollover from an employer-sponsored account like a 401k plan or an IRA owned by the deceased.

Inherited IRAs differ from other types of IRAs because of required distributions. In some cases, the money in an inherited IRA must be fully withdrawn within 10 years of the inherited IRA account being opened.

What not to do after a loved one dies?

There are a lot of common mistakes people make when figuring out what to do when a loved one dies. Some things not to do after the death of a loved one include:

• Feeling pressured to make decisions before you’re ready.
• Spending estate funds without a plan or before probate.
• Not working with an attorney or tax professional.
• Going through the personal possessions of the deceased without a plan.

While there are many practical things you shouldn’t do when a loved one dies, perhaps the most important thing to avoid is not giving yourself time to heal or grieve. The stress and pain of losing someone you love can be overwhelming, especially if you don’t make time for healing.

Articles related to what to do when a loved one dies

If you found this information and checklist when someone dies helpful when dealing with this challenging situation, read these articles next.

• Advantages And Disadvantages Of Life Insurance: Evaluating Your Needs
• What To Do If Your Identity Is Stolen: 15 Key Steps
• How Does Cash Value Life Insurance Work?
• What Is A Revocable Trust And How Does It Work?

Knowing what to do when a loved one dies is difficult but being informed can help

Although difficult, there are many important decisions to make and things to do when a loved one dies. If possible, surround yourself with trusted friends, family members, and support professionals to help make settling an estate more manageable.

Additionally, take time when you need it—you’re going through a major life change, and it’s okay not to be okay.

Sometimes, it helps to have a checklist to help you answer questions and get through things like what to do with a 401k after death or who gets power of attorney after death.

When you’re ready, use this checklist to help you figure out what to do when someone dies and ask for help. And remember, it’s important to know how to nurture yourself and practice attitudes of mindfulness to get you through this difficult time.

The post What To Do When A Loved One Dies: Financial Questions Answered appeared first on Clever Girl Finance.

Are you expecting a baby soon? If so, congratulations! Searching for jobs for pregnant women may be on your ever-expanding to-do list, and it helps to know where to start.

Pregnancy can be an exciting time! But it’s also overwhelming. Looking after yourself and your baby should be your top priority. 

But pregnant women still need to earn money. They can also work (as long as there are no complications during pregnancy).

Not all jobs are suitable when you are with child, though. That said, we are sharing the 20 best jobs for pregnant women.

So, put your feet up, grab a snack, and find out what your options are when preparing for a baby.

Elements of great jobs for pregnant women

When you’re pregnant, there are certain things that you should and shouldn’t be doing to protect yourself and your baby from complications or pregnancy-related health issues. 

Keep the following characteristics in mind when job hunting:

Low stress

High stress levels during pregnancy have been known to cause complications, and chronic stress can lead to potential preterm labor and other problems, so it’s essential to keep stress away as much as possible. Choose a job that won’t lead to excessive workloads or worry. 

Minimal standing

Pregnancy can be tough on all body parts, especially your feet, during the last two trimesters. Trust us; you won’t want a job where you’re standing all day! 

Feeling faint is also a common symptom of pregnancy due to hormone changes, so it’s important to be able to sit if you need to. 

Flexible hours

You’ll need to attend several health appointments during your pregnancy, so having a job where you can work flexible hours is extremely helpful. If you suffer from morning sickness, you may also appreciate not having to start work first thing in the morning if you don’t have to. 

Work from home opportunities

In my opinion, working from home can make it easier and less stressful to prepare for welcoming a child. The time you save on commuting can be spent decorating the nursery or packing your hospital bag.

The comfort of your home is also a more relaxing environment, which may boost your mood and total wellbeing. 

A hygienic, toxic-free environment 

It’s possible that being around chemicals (particularly household chemicals) may cause complications in your pregnancy (but there are only possible links to this, nothing confirmed for certain), including low birth weight, preterm birth, and even pregnancy loss.

Work in an environment that is safe, clean, and hygienic, and see this list of substances to avoid when pregnant.

Short commute

Long commutes are not ideal during pregnancy because it can be stressful when you’re stuck on a busy subway or sitting in your car during heavy traffic. You may also be feeling tired, nauseous, or needing a bathroom!

So short commutes are much more pregnancy-friendly. 

Zero-low physical requirements

A career that requires heavy lifting or a lot of standing can lead to complications such as ligament pain, decreased blood flow, and even low birth weight or preterm labor. If you’re unsure whether to continue work that requires lifting or standing, speak to your healthcare advisor. 

20 best jobs for pregnant women

When you’re pregnant, you might need to find work quickly that doesn’t require extensive amounts of training. Even if you’re already employed, if your job isn’t suitable for your current situation, you may need to look for alternative employment. 

These 20 jobs are ideal for expectant moms because you won’t need extensive qualifications, and they are all low impact – both physically and mentally. Make an income with less stress than a traditional job!

1. Library worker

If you still want to work with other people and get out of the house during your pregnancy, becoming a library worker will allow you to earn money whilst working in a relaxing, calm, and comfortable environment.

Librarians typically have set hours and a good work-life balance, so you won’t have problems working around pregnancy-related appointments. 

Typical duties for library workers include:

• Ordering books
• Processing late return fees
• Assisting people with finding books
• Organizing book displays and shelves 
• Stock checks

Sound like your kind of job? Approach your local libraries and ask if they are taking on new staff.

If nothing is available, I recommend volunteering a few hours a week to show your skills and passion for working in a library. Volunteer work may turn into a paid position. Library assistants earn about $17 per hour. 

2. Review books

Getting paid to read may seem too good to be true, but plenty of genuine opportunities exist! What better way to spend your pregnancy than curling up on the sofa with a book?

Here are five sites to find book reviewing opportunities:

• Kirkus Media
• BookBrowse
• Booklist Publications

Pay will vary significantly depending on the publication you’re writing the review for. You can expect to receive anything from $10-$100 per review, not to mention the importance of reading books can’t be overstated.

3. Grocery shopper

Professional grocery shoppers visit stores to collect items for paying customers. The demand for grocery deliveries is expected to rise, making it one of the great money making skills for pregnant women wanting a slower-paced job.

You can also fulfill your orders at a time that suits you. So if you can’t sleep, visiting the grocery store when it’s quiet will allow you to catch up on rest later! 

Grocery shoppers will:

• Find out what the client needs 
• Go to a store
• Buy the items
• Pack and deliver them to the paying customer

Lots of people use this service, from the elderly to busy parents and professionals who don’t have time to shop. 

So, how do you become one? You can advertise your services on a flyer and give them out in your area or sign up with a site like Instacart. 

Shopper salaries range between $12-$23 per hour. 

4. Social media manager

Social media is an integral part of all business marketing strategies. Companies don’t always have the time or resources to do this, so they hire people to manage their social media platforms. 

It’s an excellent gig for pregnant women because you can work during hours that suit you and anywhere with an internet connection. As long as you are organized, it’s also low-stress work.

The day-to-day job of a social media manager will look like this:

• Creating, implementing, and monitoring a social media strategy
• Producing and scheduling regular content via a content calendar
• Engaging with followers across all platforms
• Creating advertising campaigns
• Ensure brand consistency by working with internal teams 

You don’t need any experience to get started, but knowledge of social media trends is necessary.

The most efficient way to get work in this field is by using your existing business relationships. What business owners do you know? Contact them and see if you can help with their social media management.

The hourly rate for social media managers is $33.79. 

5. Retail assistant

Working in retail is a desirable choice for pregnant women. It offers flexible hours and good rates of pay.

You won’t have to worry about bringing work stress home when you work in retail either because as soon as the shop is shut, you’re done for the day!

A typical day as a retail assistant will look like this:

• Welcoming customers
• Answering product questions and offering advice
• Dealing with transactions
• Setting up and tidying product displays 
• Administrative tasks 

Retail work is readily available, especially during peak seasons such as Christmas. Keep an eye out for online adverts and vacancies listed in shops.

You’ll earn an average of $16.11 an hour as a retail assistant. 

6. Caregiver

Caregiving is a rewarding and lucrative way to make money if you enjoy looking after others. You can also decide on your working hours, which is ideal when you’re pregnant. 

As a caregiver, you will need to:

• Assist with bathing and dressing
• Prepare food, drink, and medication
• Run errands
• Keep living areas clean and tidy
• Encourage physical and mental wellbeing

A great way to find work as a caregiver is through websites such as Visiting Angels.

Your earnings will vary, but the average caregiver earns $14 per hour. 

7. Virtual assistant

If you enjoy organizing other people’s lives, this is a great job choice for you during your pregnancy and beyond if you are looking for jobs for stay at home moms. It’s flexible, enjoyable, and you can do it in your PJs from home! 

As a Virtual Assistant (VA), you will:

• Organize client’s email inboxes, calendars, and travel 
• Create social media posts 
• Write blogs/newsletters
• Do some market research 
• Update a website 
• Create invoices 

How much you earn will depend on the number of clients you take on. On average, VAs earn $18.75 an hour.

You could start with one or two clients and also take on more if your pregnancy is going well and you have the energy to do more work. The great thing about this job is that when you’re approaching your due date, you can also reduce your number of clients until you’re happy with the workload. 

Using search engines is also an excellent way to find work as a VA. You can also contact local companies in your area to make them aware of your services. You never know who might need your help! 

8. Online bookkeeping

All businesses need someone good with numbers to do their books. Is this you? The great thing about this job is that it can be done virtually, meaning no commuting, and you can also decide what hours you work.

When you’re pregnant you will appreciate being able to rest when you need it instead of working through it. 

As a bookkeeper, you will:

• Ensure bank statements are accurate
• Categorize transactions
• Prepare financial statements 

The best way to get started in this field is to create an appealing website that clearly describes your services. Use social media to get your name out there too. Indeed is also an excellent place to find virtual bookkeeping jobs, so keep an eye on that.

You can make between $11-$25 per hour bookkeeping, but specializing in an area such as bookkeeping for legal professionals could earn you more money. 

9. Voiceover artist

Fancy doing something a bit different to earn money during your pregnancy? A voiceover artist is a low-impact, low-stress job that is enjoyable too! 

Many industries need a professional’s voice, including television, film, video games, audiobooks, radio, and more. 

Voiceover artists will get paid to:

• Read scripts
• Follow prompts from writers and directors
• Interpret the mannerisms of different characters
• Verbally portray emotion
• Pitch your voice to different requirements

Voiceover artists earn an average of $37 per hour, which can be a lucrative career choice.

How do you become one? Follow production companies’ websites and social media platforms, where they often post job adverts. Using search engines will also let you know what work is available. 

10. Website designer

Working from home is a luxury you will appreciate when pregnant, especially during your second and third trimesters! If you’re creative and have good computer skills, this could be one of the jobs for pregnant women that really appeal to you.

If this is an area you want to get into, some websites, such as Webflow provide free web design courses.

Becoming a freelance website designer while pregnant is one of the best ways to make money in this field. Why? Because you can choose the projects you work on and set your work hours. 

Here are a few of the tasks that you’ll do:

• Incorporate brand guidelines 
• Create page layouts
• Choose appropriate visuals/videos
• Register domain names
• Carry out coding

Once you’ve mastered the basic skills, build up a portfolio of your work (you could offer your services to local businesses or charitable organizations for a reduced rate or free for practice), then get advertising for work. Upwork, or also Dribbble, and LinkedIn are great platforms to find web design work. 

Earnings will vary from $30-$80 per hour. 

11. Copywriter

Copywriting is a very pregnancy-friendly occupation! And if you already have good writing and typing skills, it makes perfect sense to utilize these when looking for work. 

In my experience as a writer, I manage my own workload to meet deadlines, so if I don’t feel like working one day, I don’t have to! Many women who start a career as a freelance writer during pregnancy often carry it on because it’s so flexible and can easily fit around nap times and school drop-offs! 

As a copywriter, you will conduct extensive research and work on a range of writing projects for clients, such as:

• Advertising copy 
• Blog writing 
• Social media posts 
• Articles 
• Website copy 

When starting out, use remote job boards such as Contena and also Problogger. Businesses will post job adverts that you can apply for. 

Freelance copywriters in the US earn approximately $35.89 per hour. 

12. Recruitment advisor

Do you have great interpersonal and communication skills? A recruitment advisor could be the perfect job for career success while you’re pregnant and longer.

You can choose whether to work for a recruitment company or start your own business freelancing for work.

Every day will be different, making the days and week go fast. Your due date will soon come around! It’s pretty fast-paced but not stressful as long as you remain calm and organized.

Recruitment advisors are responsible for the following:

• Look for new clients
• Research companies and the marketplace
• Build relationships
• Find job opportunities 
• Advertise jobs you need to find a candidate for
• Interview and put forward suitable people

To get started in this field, you need to demonstrate to companies that you are the right person to be trusted with their recruitment process. You can show your experience and skills and meet them in person. Making yourself active on social media is another excellent way to get your name out there.

Sound like the type of job for you? A typical hourly rate for a recruitment advisor is about $26 per hour.

13. Housesit

There are very few jobs for pregnant women that allow you to enjoy home comforts at someone else’s house – but this is one of them! It’s the perfect way to make money during your pregnancy while you can still spend time away from your home without doing anything stressful.

General responsibilities for house sitters include:

• General cleaning and tidying
• Looking after pets 
• Opening/organizing mail
• Watering plants
• Keeping the property secure

Find paid housesitting jobs on websites such as Trusted Housesitters. Once you’ve proven that you’re trustworthy after a few housesitting jobs, you may find that recommendations lead to more clients.

The amount you can charge for your time will depend on the tasks you’re expected to complete. A reasonable price is around $16 per hour for housesitting duties. 

14. Online moderator

Do your friends and family always rely on you to help deal with heated situations? If so, becoming an online moderator may be a great job choice for you during your pregnancy. The beauty of this job is that it’s done remotely, so you have no daily commute and traffic stress!

Online moderators oversee online communities, social media platforms, and blog posts to ensure everyone follows the rules.

Typical duties of an online moderator include:

• Checking reported content 
• Removing harmful or inappropriate comments
• Ensure guidelines and rules are being followed by users
• Blocking users 
• Maintain user engagement in groups

Online job sites, including Indeed and GlassDoor, regularly post content moderator jobs, so set up an alert to get your application in early. Earnings for content moderator jobs are around $18 per hour. 

15. Travel agent

You can be a travel agent that works in a store or a virtual one – the choice is yours! You don’t need specific experience to get started, but prior traveling knowledge will help. 

What makes this one of the best jobs for pregnant women is the low levels of stress and the ability to sell a service you are passionate about. 

Travel agents will typically:

• Listen to a client’s needs and budget
• Use your knowledge to suggest destinations, accommodations, and sightseeing tours
• Book flights or over transportation
• Make dinner arrangements 
• Provide information on visas, insurance, vaccinations, and customs requirements

Either set up your own business or work in a remote or office-based position for travel companies.

Your average earnings as a travel agent will be around $17.49 per hour. But if you specialize in an area of travel, such as honeymoons or luxury accommodation, you can earn more. 

16. Tutoring

Do you have an area of specialization or subject you know lots about? Teaching young people can be extremely satisfying, and you can do it sitting down! This is another flexible occupation that you can do in person or online.

You’ll be expected to have qualifications in your chosen subject, and background checks will be conducted before you start. 

Not sure what to teach? Here are some ideas:

• Core subjects such as English, math, and science
• Languages
• History
• Baking
• Instruments 

Set your own schedule, work around your appointments, and also enjoy your work! Earnings as a tutor can vary from $15 per hour to $100+ depending on your experience and chosen subject. 

If you teach remotely, look at job sites like VIPKID. If you’re tutoring in person, advertise your services locally and on social media to find work. 

17. Videographer

You don’t need a degree or formal qualifications to get work as a videographer, so it’s a great career choice if you decide to change jobs during your pregnancy. The work can be exciting, and you’ll meet many different people.

The main reason why it’s one of the ideal jobs for pregnant women is that you can choose the projects you work on. That means you don’t have to travel unnecessarily or work long days and hours if you don’t want to. 

Videographers tend to work on projects such as:

• Recording live events
• Documentaries
• Short films 
• Weddings
• Birthday parties 
• Sports events 
• Training videos

Networking is vital if you want to find regular work as a video maker. Ask everyone you know to spread the word!

Reach out to your local community and demonstrate how your skills can help them. LinkedIn is also a great place to look as businesses reach out to their network when they need assistance with a project. 

Videographers are paid an average of $34 per hour. 

18. Paralegal

Paralegals help solicitors, barristers, and other legal professionals carry out legal tasks. It’s an interesting, varied, and flexible career that’s one of the excellent jobs for pregnant women.

Why? Because if you work as a freelance paralegal, you can set your own schedule and rates.

As a paralegal, your typical duties will include:

• Preparing legal documents 
• Writing quotes for clients
• Interviewing witnesses and clients 
• Legal admin
• Researching laws and case studies

The NALA (which is the National Association of Legal Assistants) offers a Certified Paralegal Certification and the Advanced Certified Paralegal Program. These are things you can gain to help you find work, but they aren’t essential. Once you’ve started gaining experience in this industry, you’ll pick up more work.

The salary for paralegals is $28 per hour. 

19. Transcriptionist

One of the great jobs for pregnant women is transcription work. You can work at any time of the day or night, so it’s super flexible and can be done from the comfort of your own home without needing to travel or be on your feet all day. 

A transcriptionist will listen to audio and video recordings and transcribe them into text files. The work is interesting and varied. You could work on anything from business meeting notes to court hearing recordings.

Your responsibilities will include:

• Ensuring your transcribed text is accurate and free of spelling/grammar errors
• Formatting the text file in line with brand guidelines 
• Completing transcriptions quickly and efficiently
• Using the latest transcription software 
• Meeting client requirements 

TranscribeMe provides flexible transcription work for freelancers. You can also find transcription work on Flexjobs or also Rev.com. Hourly rates vary between $12 and $36 an hour.

20. Event planner

Who said finding jobs for pregnant women near me can’t be fun? You can be creative, have a good time, and work as much or as little as you want! You will need a mobile phone, laptop and a good internet connection. 

The types of events you could offer your clients are:

• Corporate (conferences and meetings)
• Celebrations (birthdays, baby showers, weddings, graduations, local fairs)
• Promotional (charity events, fundraisers, new product launches, book launches)

I’ve found that the best way to get work as an event planner is to research my local area to find out what events need organizing and offer to help. Start small until you build relationships with vendors and suppliers and prove your planning skills. 

Event planning can earn you a respectable $16.07 per hour or more! 

Expert tip: How to tell your employer you’re pregnant

Being pregnant is an exciting time, so make sure you share your special news in a positive way. When you decide it’s the right time to tell your employer you’re expecting a baby, write down a few notes to help you plan what you want to say.

You should include your due date and a rough idea of when you want to start maternity leave. Keep it simple, upbeat and to the point! 

You can tell your employer that you’re pregnant in person and follow it up in writing, but if you’re not comfortable with this you can just do it via an email/letter.

Tips to get hired when pregnant

You may feel nervous about your chances of getting a job during your pregnancy, but you don’t need to be! 

Everyone needs to plan when considering a job change. Here are some steps you can take to help you feel fully prepared for applying for jobs and the interview stage. You’ve got this!

Carefully consider what you want to do first 

This is probably the most critical step for pregnant women. Ask yourself what you want to do. Think about your skills and the type of work that you enjoy. 

Your mental wellness is essential, just as your physical health. It’s also a good idea to think about a career that you could potentially continue when your baby arrives. 

Be aware of your rights 

It’s important that you know exactly what you’re entitled to when you’re pregnant.

You’re protected against discrimination under the Pregnancy Discrimination Act. Read through the information so you are armed with the facts if you need to use them. 

Decide if you want to disclose your pregnancy 

You should never feel pressured to tell anyone you’re pregnant if you don’t want to. Take your time, and don’t rush the decision.

Some women like to tell people as soon as they get past 12 weeks, and others like to keep it a secret for much longer. Either way is absolutely fine!

Apply for flexible jobs

Flexibility is like gold dust for expectant mothers. You’ll appreciate being able to change your hours at short notice or work from home if you need to.

It will improve your overall productivity and make you want to return to work after your maternity leave, which also benefits employers. 

Research companies before the interview stage 

You need to ask yourself whether they are a company you want to work for that shares your personal core values. If you’re not aligned with your employer, it’s probably best to find another opportunity where you will be happy and comfortable working. 

Interviewing tips

Remember that you don’t have to declare your pregnancy during an interview; the choice is yours. If your bump is noticeable and you want to tell your potential employer, go ahead.

Be prepared to address any concerns they may have and discuss your plan for minimizing disruption while you’re off. 

If you’re at the early stages of your pregnancy, focus on answering the questions to the best of your ability and demonstrating what you could bring to the job. 

The best employers will see your potential and want to work with you regardless of whether you’re pregnant. 

Create a plan to complete work deliverables before your due date 

Showing your commitment and passion for a job is a great way to make you stand out amongst other candidates. Tell your employer what can be done before you go on maternity leave to reduce the impact of your absence.

This could include training team members, working remotely, or creating detailed handover notes and project plans. 

What kind of jobs can I work while pregnant?

There are so many kinds of jobs you can work while pregnant you’ll be spoilt for choice! 

Here’s a summary of the ideal jobs for pregnant women: 

• Home working: Freelance writer, virtual assistant, transcriptionist
• Office jobs: Recruitment advisor, library assistant, paralegal (can also be done remotely)
• Retail positions: Travel agent, customer service rep, event planner
• Flexible jobs: Online moderator, grocery shopper, tutor, or high paying remote jobs

And the ones to avoid:

• Hairstylist
• Nail technician 
• Car mechanic 
• Working in a factory with chemicals
• Security at a chemical plant 

Remember to listen to your body and start your maternity leave early if needed. And don’t worry – you can still find plenty of ways how to make money on maternity leave.

Will jobs hire you if you’re pregnant?

Yes, jobs will hire you if you’re pregnant! Recruiters cannot ask if you’re pregnant or refuse to interview you. 

The fact that you’re pregnant does not affect your ability to do a job unless it requires physical exertion. Employers are obligated to treat you exactly the same way as other potential employees. 

Lots of women get new employment while pregnant. Laws are made to protect you from discrimination. 

If you feel you have been discriminated against when applying for a job because you’re pregnant, you should seek legal advice immediately. 

Where is the best place to work pregnant?

Ultimately, the best place to work when you’re pregnant is somewhere where you’re comfortable and well looked after by the people around you. This can be done remotely or in a place of work. 

During your pregnancy, you have the following rights to the following reasonable workplace accommodations according to the Pregnant Workers Fairness Act (PWFA):

• Longer or more frequent breaks (depending on the type of work that you do)
• Extra time off work for scans and pregnancy-related appointments or health checks 
• Modification to no-food-or-drink policies
• Reassignment of heavy-duty or heavy-lifting work
• Protection against discrimination and unfair dismissal or treatment
• Your contract can’t be changed without your consent
• Time off to recover from childbirth even if you are not eligible for the Family and Medical Leave Act (FMLA).

Pregnancy can be tough without dealing with unfair employers who don’t understand what you’re going through. If your current job isn’t suitable for your pregnancy, find one that is.

Should I let potential employers know I’m pregnant when I apply for a job?

You don’t have to let potential employers know you’re pregnant when you apply for a job, as disclosing your pregnancy is a personal choice in the U.S. You’re not legally obliged to tell anyone. 

Before deciding whether to tell potential employers, here are some benefits of disclosing your pregnancy and things to consider. 

Benefits of sharing your pregnancy with your employer

• Adjustments can be made to your job role if required
• A pregnancy risk assessment can be conducted to ensure you’re working safely
• The company can start planning your cover while you’re on maternity leave
• Your manager can give you time off for pregnancy-related appointments

Things to consider before telling your employer you’re pregnant

• Do you want people to find out yet? You can ask your manager to keep it quiet if you don’t want the whole office to know.
• Have you had your first ultrasound and midwife appointment yet? Most women wait until they’ve had these to check that everything is ok with baby.
• Do you need more time to come to terms with the news yourself? This is absolutely ok if you do!

Where can I find jobs for pregnant women near me?

The good news is that you can find jobs for pregnant women near you in the same way as anyone else! You want your search to be efficient, so you don’t end up wasting lots of time looking at jobs that aren’t suitable for your needs. 

We recommend starting your job hunt in the following places:

Job sites

Using websites is a quick and easy way to see what jobs are currently advertised. Use filters to narrow your search to ‘jobs for pregnant women near me,’ so you can quickly disregard unsuitable opportunities. Our favorites are:

• Glassdoor
• Monster
• ZipRecruiter
• LinkedIn

Local businesses 

Sometimes the best opportunities are just around the corner. Companies often list their current vacancies on their website and social media platforms, so regularly check them.

If there’s a particular business that you’re desperate to work for, you could always approach them and tell them what you’d bring to the team. 

Recommendations 

The best thing about working somewhere that has been recommended to you is you know that it’s a decent place to be. It’s also one of the best confidence building exercises, as you won’t be recommended unless someone has faith in your skills and ability. 

Articles related to jobs and pregnancy

If you enjoyed reading this article about jobs for pregnant women, you’ll like these other posts!

• Is Pregnancy Life Insurance A Thing?
• Natural Fertility Treatments That Won’t Break the Bank
• Freezing Your Eggs: What It Costs And How To Plan
• 25 Side Hustles For Women That Make Real Money

Working your way through pregnancy: Yes it’s possible!

Now you know the best jobs for pregnant women, you can relax and enjoy your pregnancy without worrying about money. Take it easy and listen to your body and your doctor’s advice.

If you want to learn more about managing your finances, Clever Girl Finance has a wealth of information and advice. Find simple ways to increase your income and get answers for how much does having a baby cost as you plan your finances and future.

The post 20 Best Jobs For Pregnant Women appeared first on Clever Girl Finance.

Budgeting as a couple is critical in managing your household finances. Your budget not only allows you to plan and track where the money will be spent, but it enables you to direct the course of your finances together. It also helps you stay on the same page on your financial goals.

If you or your spouse haven’t created a budget before, you’re not alone. The NFCC’s Consumer Financial Literacy Survey found that only about 47% of Americans have a monthly household budget that closely tracks their spending. 

For couples, budgeting can be a touchy subject, especially if one is a saver and the other is a spender. But you can be successful at it and have fun while doing it, too. When budgeting as a couple, the most important thing to remember is that a budget is simply a plan for your money.

And, like all plans, you should discuss, tweak, and revisit it often to ensure that you reach your end goal.

5 Steps to get started budgeting as a couple

Figuring out how to budget can seem confusing in itself since there are so many ways to approach it. Keep in mind that it can be a fun and positive challenge you take on with your partner. It comes down to six basic steps:

1. List all of your combined income sources and amounts

Knowing how much money you have coming in to cover your expenses and other items in your budget is of utmost importance. In fact, your income should be the first item that is listed on your budget.  

To begin creating your budget, list out all of the expected income that you and your spouse will receive during the time period that you’re budgeting for. Again, this could be a week, two weeks, or even a month. 

Income can come from more than just your 9-to-5 salary. Don’t forget to include income sources like:

• Side-hustle money
• Bonuses
• Dividend income
• Rental income
• Royalties
• Refunds

Once you’ve created a list of all of your combined income sources, list out how much you expect to receive from each one. Add these numbers together to get a total of how much income will be coming into the household to cover expenses for that budget. 

List this number at the top of your budget and remember that your expenses should NOT exceed it. 

2. List out all of your joint household expenses

After calculating your total income, list your expected expenses in one column. There are some expenses that don’t change from month to month.

For example, rent or mortgage, groceries, and electricity are recurring expenses that you’ll need to account for. These recurring expenses can be sorted into twelve standard household budgeting categories.

12 Common household budgeting categories

1. Saving
2. Giving
3. Housing
4. Transportation
5. Utilities
6. Food
7. Personal Care
8. Medical/Health
9. Insurance
10. Household goods/supplies
11. Debt payments e.g. student loans, credit card debt, car payments
12. Entertainment/Fun such as at home date night ideas

Grouping your expenses into these categories not only keeps your budget organized, but it allows you to see where the majority of your money is being spent.

Simply list your expenses within the categories that they belong to. For example, your “housing” category could include mortgage, homeowners association dues, lawn care, and property taxes.

Even if an expense doesn’t occur each budgeting period, you can still include it in your standard list of expenses.

3. Estimate how much you will spend on each item

Though some expenses may be recurring, the total cost may not be the same every time. Therefore, it’s important to review your expenses each time you create a new budget.

Estimating and listing your expenses also allows you to see what can be reduced in your budget to free up cash for other things.

The easiest way to estimate your expenses is to take an average of what you’ve spent over the prior months. An example would be taking a three-month average of your grocery costs to get an estimate for the coming month.

In some cases, you’ll know the exact amount from a billing statement, while in other cases you’ll just need to make a decision on what your limit will be.

This is true for expenses like gifts and savings. You can determine what you want to budget for these line items. However, the key is coming up with realistic budget amounts that you can both afford and stick to.

Total up these estimates and subtract them from your estimated income. Does it exceed your expected income? If so, you need to reduce some of your expenses. If it’s less than your expected income, allocate the additional money to savings or debt payments.

4. Track expenses

The most important part of budgeting is tracking your expenses. After all, you need to know if you’re staying within your budget.

Keeping an eye on your expenses also doubles as reminders for due dates. It helps you pay for bills on time and avoid penalties and fees.

There are two ways that you can easily track your spending with your spouse:

Shared spreadsheets or templates

You can house your budget spreadsheet on Google Drive or Dropbox so that you and your spouse have access to reference or edit it at any time. Here are some awesome budget templates as well as an example of a budget.

Budgeting apps

There are tons of budgeting apps that allow you to connect your bank account and debit cards to track your spending. These apps even go as far as putting your expenses in the right category and alerting you when you’re nearing your budgeted amount.

You can log your expenses as they occur or have a set time each day to do so. Either way, you’ll need to be consistent about tracking your spending if it’s not being done automatically by finance apps. 

5. Schedule a standing budget meeting

Remember, in order to be successful with budgeting as a couple, your budget is a plan that needs to be discussed, tweaked, and revisited often.

To ensure that this happens, schedule a standing budget meeting with your spouse. The intent of your budget meeting should be to review your spending and to create your next budget before you get paid.

Make the conversation fun and relaxing (cook a nice dinner!) and plan out your bills and expenses that you know are coming up. This way your dollars are allocated in advance.

You can also discuss upcoming expenses and go over your money questions. At its conclusion, there should be an agreement on what the upcoming budget will be and it should be documented.

6. Talk about your finances often

Your budget meeting does not negate talking to your spouse about the budget and spending as needed. You should be in constant communication about your finances and spending. It’s all about getting to the point where talking about your finances is just something that you do!

Expert tip

Budgeting as a couple requires dedication and being accountable to each other. Remember that your goal is to support each other and achieve your goals together.

The first step is to create a budget you both agree on. Then, keep checking in and talking about what’s working, what’s not working, and what needs to change.

What is the best way to budget as a couple?

The best way to budget as a couple is by coming up with a budgeting approach that works for you. That said, you’ll both need to keep in mind and agree on a few other things to make it all work:

Create your budget with your spouse before you get paid

You must be proactive and not reactive with your money. If you wait until after your income arrives to create your budget, it is no longer a plan. 

Before you sit down to create your budget, talk about how you both approach money. Understand each other’s spending habits and goals so you have a basis moving forward.

Budget as often as you get paid

Correlate your budgeting to every time you get paid. If monthly you should budget monthly; if bi-weekly you should budget bi-weekly.

This allows you to align your expenses with your income and not overspend. Make sure you are both aware of each others’ pay dates so you know when to expect income.

Don’t budget for more expenses than your income

Your budget should help you stay within your financial means and not overspend. If you find that your expenses exceed your income, it’s time to sit down and take a long hard look at where you can cut back or how you can increase your incomes.

Track your expenses jointly and consistently

This is the only way that you will be able to see your performance and progress toward the plan. You have to know what expenses you both have. You also need to know what irregular expenses you both have coming up.

Make budgeting and tracking your expenses easier by calling your providers and changing the due dates on your bills. So, they coincide with when you get paid.

Stick to the plan you both agree on

If you have to deviate from your budget, make sure to talk about it first. Not only will this avoid conflict, but it will also help you maintain trust with your significant other around your finances.

The last thing you want is to get into a big fight or feel disappointed because one of you didn’t honor the agreement (i.e. your budget) you both made.

Review how you’re spending against your plan regularly

Your budget will evolve as your needs, wants, and goals change. That’s why it’s important to review and pivot if necessary.

Talk about your transactions, go over your bank statements together. But remember to make it an exercise, not an argument.

Talk about your long-term goals as well

Take some time out to talk about your dreams and goals and how you plan to approach them. Want to launch a business? Travel the world? Save a million dollars and get a Certified Financial Planner to manage your portfolio?

These are conversations you should have and start planning together. A good idea is to create specific categories within your budget that includes your long-term goals like retirement savings, no matter how small you start.

Listen and communicate

Communication is the foundation of success in marriage and in budgeting as a couple. There will be times when you don’t always agree on your money choices.

The key to getting past the disagreements is by listening, communicating your own point of view, and coming to a common ground or mutual agreement. Remember, you are a team, not rivals.

Leverage budgeting tools

Budgeting as a couple is still doable with finance apps and budgeting tools. Apps allow you to track your income and expenses, update your budget categories, or keep an eye on your savings accounts balances.

YNAB (You Need a Budget) is a great app for most budgeting needs. Budgeting for couples is easier with Honeydue. Meanwhile, Goodbudget works like digital envelopes. Check them out and see which ones you like best.

What is the best budget for a married couple?

The best budget for a married couple all depends on your personal preference. You can create a budget using cash envelopes, percentage based budgeting, zero based budgeting, or reverse budget, for example.

Cash envelope budgeting is exactly what it sounds like. You put cash into different envelopes based on your spending categories. If you find yourself over drafted one too many times, this might be an effective method for you.

Percentage budget like the 50-30-20 method is as simple as can be. The rule is to divide your after-tax income into three categories like so; 50% to needs, 30% to wants, and 20% to savings.

On the other hand, a zero-based budget asks you to assign a job to every dollar you earn while reverse budget tells you to put money in savings first before figuring where to spend the rest of your income. Try either of these methods if you’re focus is on saving or if you have irregular income.

There are several other budgeting methods, you just have to find one that suits your lifestyle.

How do you split finances as a couple?

When it comes to how you split finances as a couple, who pays for what in your relationship comes down to personal preference. There is no right or wrong way to do it, but communication is key.

Start with being open and honest about your needs and goals. At the same time, consider the differences in your income. So, one partner may pay for the mortgage, and the other picks up the electric bill and car payments.

You can also open joint accounts where both partners contribute each month. Then, use the account to pay for your spending. Conversely, you can use joint accounts to save for expenses like a wedding or a down payment on a home.

Articles related to budgeting as a couple

If you enjoyed reading this article and would love to learn more about managing your finances as a couple, check out this related content!

• Is Opening a Joint Bank Account a Good Idea?
• 20 Couples Challenges To Improve Your Finances And Relationship
• 20 Money Questions To Ask Your Partner In A Relationship
• 23 Best Side Hustles For Couples

Budgeting for couples can be a breeze!

By applying the tips we share in this article to your budgeting practice, you’ll stay on track with your financial goals and your spending. Ultimately, you want your budget to help you manage your finances, not feel like a trap.

Budgeting as a couple is one of the best financial decisions that you can make in your relationship. It allows you to talk about and work toward your financial goals together.

So use budgeting as a tool to generate much-needed money conversations in your marriage and to avoid disagreements around how money is spent. Be sure to check our top relationship advice for women about money!

The post Budgeting For Couples: How To Budget As A Couple appeared first on Clever Girl Finance.

As a couple, it’s essential to spend quality time together. It can strengthen your relationship and improve communication. Perhaps you’re craving some fun stay at-home date night ideas but need them to be budget-friendly as you work on your financial goals. Well, check out these fabulous, inexpensive ideas!

43 Fun at-home date night ideas to try with your partner

It can be challenging to stick with a budget while dating because the average date night costs a whopping $159—ouch!

However, you can have a fabulous date night even on a budget – just try out any of these great solutions. Use them for an anniversary or just a fun date night with no special occasion. Let’s go!

1. Plan a board game night

You can double date or have an evening alone, playing some of your favorite board games or at-home challenge games. For example, you can break out your childhood favorites or try something new like creating memes or a drawing game.

A board game night is one of the best at-home date night ideas because it’s entertaining and budget savvy.

Need inspiration? Give these board and card games a try:

• Azul
• Watergate
• Pandemic
• Hive Pocket
• Splendor
• Exploding Kittens

2. Have a movie date night at home

One of the simplest yet romantic at-home date night ideas is a movie night or a series marathon. Even if you slashed cable to save money, you probably are subscribed to one of the popular streaming services such as Hulu, Netflix, or Roku.

You can binge-watch new television series or put on one of your favorite movies. You could also check out your local library for free DVD rentals or ask a friend if you could borrow some.

So, put on a good show or movie, pop some popcorn, and get to snuggling. If you can’t decide what to watch, work your way through this list:

• Romance – The Notebook, Ghost, Pearl Harbor
• Comedies – Pitch Perfect, What we do in the Shadows, Clue
• Marathons – Lord of the Rings, The Godfather, Harry Potter

3. Cook a meal together

Cooking a meal together is one of the most fun and romantic at-home date night ideas. Browse Pinterest for a new recipe, pick something from an old cookbook, watch a cooking show or use our list below for inspiration. You could also consider taking a virtual cooking class or just check out YouTube for cooking videos if you want.

Or how about creating your monthly meal plan and bulk cook together. Once your fabulous meal is done, set the table, light some candles, and sit down to enjoy the food. It will be like trying out a new restaurant!

Make date night extra special with these romantic meal suggestions:

• Beef Bourguignon
• Coq Au Vin
• Coquilles Saint-Jacques
• Lobster Thermidor
• Fillet Mignon
• Cheese Ravioli

4. Have a spa night

A spa date is one of the most relaxing and fun at-home date night ideas. Set the scene with tranquil music, scented candles, and slip into a comfy robe.

You can start with pedicures and move on to a nice massage. The date may even call for a nap afterward or early bedtime because you will be so relaxed.

Other at-home spa treatments to do together include:

• Face masks
• Steam facial
• Deep conditioning hair treatments
• Milk bath
• Soothing Eye Treatment
• Foot mask

5. Dance the night away

When was the last time you and your partner danced together? You don’t have to hit a dance club to cut a rug.

Dancing with your partner is not only fun; it increases your intimate connection because you are physically connecting.

Put on some good music, grab your partner, and dance away. You could also take online dance lessons or learn some new steps by watching YouTube videos.

These tunes are guaranteed to get you both moving at your next date night dance party:

• Kylie Minogue – Can’t Get You Out of My Head
• Madonna – Like a Prayer
• Lady Gaga – Bad Romance
• Bruno Mars – Just the Way You Are
• Taylor Swift – Love Story
• Prince – Raspberry Beret

6. Have a paint night

It doesn’t matter if you’re a natural-born Picasso or not because painting with your partner is wonderful. You can get paint supplies and canvases at stores such as Michael’s or Hobby Lobby on sale.

You can also check out sites like YouTube for free painting classes!

Of course, you could also opt for sites like Yaymaker and still spend only a little for your date night. Set up a paint station inside or outside and spend some quality time together while creating a fun painting.

7. Have a fondue party

A fondue party is one of the most delicious at-home date night ideas you will have. Fondue cooking is when the heat source is placed directly below the pot to melt the foods to dip into.

You can pick up an inexpensive fondue pot for between $40-$60+ on Amazon. So, grab some yummy cheeses or chocolate to melt and get dipping the following foods for a romantic date night.

Chocolate fondue:

• Fruit
• Bacon (trust us!)
• Donuts
• Almonds
• Gummy bears
• Marshmallows

Cheese fondue:

• Bread
• Apple
• Roasted potatoes
• Shrimp
• Cured meats
• Pasta

8. Camp out in the backyard or the living room

Depending on the season, you can have a fantastic camping trip right in your backyard. If you’re not in the mood to camp outdoors, you can camp out in your living room.

You may have an air mattress or pull out a bed and set up a big fluffy spot in the living room to camp out in comfort.

9. Have a bonfire

A romantic way to cozy up to your partner is a warm bonfire in the backyard or inside next to your fireplace. You can pair it with a good book and read to each other or enjoy some pleasant conversation.

Grab some graham crackers, chocolate, and marshmallows and make some yummy s’mores for one of the best at-home date nights you’ll ever have.

10. Have a cheese & wine party

A wine and cheese party is among the most popular at-home date night ideas. You can get a cheese sampler from the store or cut up some of your favorite cheeses and make your own platter to save even more money.

Pair your cheese with a delectable bottle of wine. You can buy a couple of bottles of wine and even have your own wine tasting party.

11. Look through old pictures

It’s so much fun looking at old pictures of your time together. You can also break out your old family pictures and share stories of your childhood you may not have remembered before.

Take a walk down memory lane together on your next date night.

12. Do a craft together for a date night at home

The most fun date ideas offer a chance for you to connect and do something unique and memorable together. There are a million DIY project ideas on Pinterest to choose from (see our pick of favorites below).

Crafting has limitless possibilities for creative date night ideas at home to do with your partner. Plus, you can also find cheap craft supplies at stores like the Dollar Store.

Here are some cute couple craft ideas to try on your next at-home date night:

• Painting pottery
• String art
• Sketching
• Make candles
• Frame memories
• Create a wine cork board

13. Make a bucket list together

You don’t have to wait until you retire to start your bucket list.

Making a bucket list together can be exhilarating because you’re planning on the fun part of your future. You can plan on starting a vacation fund to achieve it.

Make it even more fun by making a bucket list vision board. Take pictures of all the places and things you want to do and put them on a board so you can see them daily.

Not only do you have a good time making the vision board, but it will also motivate you to start saving towards your bucket list! Here are a few suggestions to start your list off:

• Stargaze and camp in a tent
• A couples massage
• Plan a road trip
• Sing a karaoke duet
• Volunteer together
• Climb a mountain

14. Cuddle to your favorite tunes

Sometimes you just need a good cuddle session with your partner. Did you know that cuddling is also healthy for you and your spouse? It’s true!

Cuddling releases a hormone called “Oxytocin, ” also known as the “love hormone.” So, slip into some comfy clothes, light candles, put on your favorite tunes, and enjoy cherished cuddle time with your spouse.

15. Bake a dessert together

As if you needed another reason to bake a delicious dessert. It’s one of the best date night ideas that is romantic and yummy.

You can whip up your favorite dessert or try making something new. Get a savory dessert recipe from Pinterest or from your favorite dessert blog, or give our tasty dessert ideas a go and enjoy the sweet treat.

• Meringue hearts
• Crème Brulee
• Poached pears
• Chocolate mousse
• Cherry cheesecake
• Champagne jelly

16. Color or draw for your date night at home

Break out the ol’ Crayola crayons and have a fun coloring session together. You can choose classic coloring books to bring out your childish side or get an adult coloring book.

You can even learn how to draw together thanks to tons of videos on YouTube.

Make the evening even more enjoyable by adding some tasty appetizers and opening a bottle of your favorite wine.

17. Take a bubble bath together

Add some bubbly romance to your date night and take a soothing bubble bath together. Intimacy is also an essential part of your relationship. Follow our top tips to make bath time extra special.

• Make sure your bathroom is sparkling clean
• Choose a time when you will be uninterrupted
• Add rose petals to the bath water
• Use bath salts and bubbles together

So, light some candles, put on some soothing music, and enjoy.

18. Have a yoga session

What is another fun but healthy date idea? Roll out the yoga mats and have a sensual yoga session together.

You can find a video on YouTube or find yoga workouts online. You get in your daily exercise while having a fun date night too. Plus, yoga has been proven to improve communication and increase trust.

The best couple’s yoga poses to include in your routine are:

• Double Dancer Pose
• Double Boat Pose
• Standing Forward Fold Pose
• Double Camel Pose
• Childs Pose and Backbend
• Seated Wide-Legged Forward Fold

19. Plant a herb garden

One of the most therapeutic at-home date night ideas is to plant a herb garden. Indoor herb gardens are becoming quite popular, and you can grow herbs such as basil, oregano, mint, and more inside your kitchen.

Not only will you have a quality date night, but you will also have a beautiful garden to remember your special evening together. Plus, you will have fresh herbs for your home-made dinners!

20. Gaze at the stars

Stargazing is mesmerizing and romantic, so it’s one of the best at-home date nights you can have.

You don’t have to have a telescope to enjoy the sparkling beauty of the night sky together. Get a blanket, sleeping bags, or comfy lawn chairs and a tent and gaze at the shimmering stars.

Other stargazing activities must-try activities are:

• Enjoying a picnic date
• Dancing under the stars
• Naming a star together

21. Make home-made wine or beer

What’s one of the most unique and fun date night ideas at home to try? Make your wine or beer and drink it too!

Making your own wine or beer is a blast; you don’t need to go to an expensive vineyard. Rather than going to a brewery, you can create your own homebrew on your next date night.

Here’s how to brew your own beer:

1. To make beer, get your brewing equipment ready (fermenting bucket, tap, airlock, long stirrer, caps, cleaning items)
2. Brew your grains
3. Ferment (typically for two weeks)
4. Bottle

To make wine:

1. Prepare your fruit
2. Add yeast
3. Ferment for between seven to 14 days
4. Change container
5. Ferment for a further four weeks to six months
6. Taste

22. Play a drinking game

Head back to your glory days of college and play a drinking game together. Think beer pong, drunk Jenga, or never have I ever.

Be sure to eat with this idea because the drinks may sneak up on you while you’re playing.

Other fun drinking games for couples to try are:

• Truth or dare
• Jenga
• Most Likely To
• Charades
• Russian Roulette
• Spin the Bottle

23. Have a theme night

So this sounds like one of the most fun at-home date night ideas to have. A theme night is where you pick something and surround your entire date night with it.

For instance, if you have an Italian theme you eat Italian food like pizza or pasta, listen to Italian music, etc. It will add fun and culture to your next date night!

For inspiration, consider your favorite dates of the past, or places you’d like to visit. Or work your way through our list of ideas below!

• Pick a letter of the alphabet and only have food, drink and games that begin with that letter.
• Choose a color to base your date night on
• Use your favorite film for a fun date night theme

24. Reminisce about the night you met

Remember how your stomach had butterflies on your first date or the first time you met? Reminisce about the first night you met and spark up those flames again.

It’s fun, too, because your spouse may remember things you don’t and vice versa! It makes for great conversation, laughter, and good memories!

25. Make a photo album or scrapbook

How many boxes of pictures are stuffed away in the closet? Have a fun date night making a photo album or scrapbook and putting all your beloved memories in it.

Include special moments that you’ve shared together, such as:

• How you celebrated anniversaries
• Love letters you’ve given each other
• Tickets for events that you’ve been to together and TV shows you love watching as a couple
• Include your favorite text messages to each other
• Add selfies
• Document your love story via a visual timeline

It’s a beautiful way to reminisce while doing something productive!

26. Watch home videos for a date night at home

How long has it been since you watched your wedding video or a treasured vacation you took together?

Make an appetizer, grab a glass of wine, and cuddle as you watch your old memories. It’s one of the most sentimental and fun date night ideas at home you can do.

Want to make this date night at home extra special? Use a projector to watch your home videos to create a romantic ambience.

27. Make a zen garden

Why not make something you can enjoy on future date nights? A zen garden can be a quaint space in your backyard or front yard for some quality time.

Here are some simple ways to create the perfect space outside:

• Use stepping stones to create a path
• Add a water feature and place pebbles around it
• Make an archway to create a beautiful focus point
• Include plants of different shades and textures
• Design a comfortable area to sit and relax
• Use sand for a relaxing and calming vibe

You can also make a mini indoor zen garden to enjoy inside.

28. Learn a new language

Learning a new language one can be the perfect date and lead to more fun date nights together. You can learn from apps such as Duolingo or Memrise.

Also, make it entertaining by talking to each other randomly and make it your new love language.

Some of the most romantic and exciting languages to learn are:

• French
• Portuguese
• Romanian
• Italian
• Latin
• Japanese

29. Redecorate a room

Have you meant to switch up your decor but feel like you need more time? You can make it a fun date night idea and redecorate a room together.

Let’s start with your bedroom and make it more zen or romantic for future date nights.

Design a room together like professionals by following these steps:

1. Set a budget
2. Design a mood board
3. Plan the layout of your room
4. Choose your furniture
5. Select paint colors or wallpaper design
6. Add your personality

30. Paint each other’s faces

Painting each other’s faces is one of the more unique and fun date night ideas at home to try-it’s not just for kids!

You can get face painting kits without spending too much money and have an epic date night.

Start with simple ideas like the ones below, then try a more challenging design.

• Fireworks
• Skull
• Flowers
• Tiger
• Avengers
• Zombie

31. Take a virtual class

Is there something you both have wanted to learn but have yet to take the time or need more money? If so, you can trial free online exercise classes!

YouTube is another great option for virtual learning; you can also find some inexpensive classes online. Here are some exciting ideas to try:

• Cooking classes
• Virtual yoga class
• Mixology lessons
• Art classes
• Museum tours
• Animal cams

Or what about one of our 30+ completely free finance courses?

32. Go for a bicycle ride or walk

Get some fresh air and spend quality time together as you ride bikes around your neighborhood or find nearby trails. Or you can go for a relaxing walk while holding hands because the simple things mean the most.

If you love a challenge with your partner, find a place to hike in your area. Also, remember water bottles and snacks for the road!

33. Have a treasure hunt

Pick random items and hide them for an ultimate treasure hunt. Use clues like “It gets people to places they need to be” to make it enjoyable.

Items that are fun to hide and find include:

• Laundry
• Art
• Pillow
• Photo
• Cutlery
• Stationery

Also, leave clues and do this outdoors or inside to make it more interesting. It’s one of the most fun stay at home date ideas that will make you feel like a big kid!

34. Make a date night at home jar

One of the most awesome at-home date night ideas is to make a date night at home jar! You can decorate a mason jar or container, then write down all these fabulous fun date night ideas at home and put them in the pot.

Each week you will draw out a note with your date night idea.

It’s such a fantastic activity because you won’t have to waste time deciding what to do each week!

35. Get a dollar menu dinner

So, if you don’t feel like cooking but are trying to stick with your budget, have a dollar menu take-out dinner!

You can get a sack full of yummy burgers or mix and match them for a budget-friendly dinner to go.

These popular fast food restaurants all offer $1 items on their menu:

• Taco Bell
• Burger King
• Wendy’s
• McDonald’s
• Del Taco
• Dunkin

36. Declutter together

You can have a fun date night and be productive too! Maybe you’ve been meaning to declutter your home but haven’t taken the time to do it.

You can turn your date night into a decluttering challenge and tidy your home while spending time together. Plus, you can make plans to sell your stuff for extra cash!

37. Plan your joint financial goals

How about some financial intimacy? Since you’re trying to stay on a budget, you can also use your date night to plan your financial goals.

You can plan for short-term, mid-term, and long-term goals together. For instance, you may want to save for a house or start a couple’s side hustle.

Above all, having financial goals can help you visualize and achieve them faster.

Six powerful financial goals for couples are:

• Talk about money openly as a couple – this one is super important!
• Make a realistic budget
• Track spending regularly
• Make a plan for getting out of debt
• Cut spending
• Save for your future

38. Play video games

For a unique date that’s a lot of fun, playing video games is one of the most budget-friendly and fun stay at home date ideas.

Video games can improve your communication and teach you how to problem solve together. It’s also a great way to relax and have fun!

Play the following popular video games for couples together:

• It Takes Two
• Spiritfarer
• Heave-Ho!
• Mario Party Superstars
• Overcooked
• Minecraft

So, break out those vintage video games or newer game systems if that’s more your speed, and have an epic evening of playing games.

39. Make your favorite cocktails

You could combine this idea with your movie date night at home! Mix up your favorite drinks or try a new creation and sip the night away while you enjoy your movie marathon.

Also, it’s much cheaper to make your drinks at home.

The following romantic cocktail ideas are also a great way to set the mood for your date night:

• Aperol Sour
• Ti Amo
• Strawberry Cobbler Martini
• Cupid’s Kiss
• Sweetheart Margarita
• By the Fire

40. Make an indoor picnic

Making an indoor picnic is one of our favorite stay at home date ideas.

Start by making some delicious snacks and sandwiches to eat (put them in a picnic basket if you have one). Top picnic foods for your date include:

• Charcuterie board
• Chocolates
• Fruit kebabs
• Marshmallows
• Nuts
• Olives
• Popcorn
• Cheese and crackers
• Sushi

Spread out a comfy blanket in the living room and set up an area to have your indoor picnic.

Remember the champagne!

41. Put together a puzzle

Grab an old puzzle or get one from the store for a cosy night in. Spend the evening chatting as you put the puzzle together.

Choose a puzzle that you will both enjoy, and you’ll both find it extremely satisfying to complete together. Or why not design your own? Photo puzzles are extra unique and will allow you to recreate a memory on your next date night.

Make it a romantic date night idea by adding to the ambience with candles and music.

42. Plan an at-home mystery game or escape room

If you like a good riddle, then you’ll love doing an at-home escape room or mystery game. It’s one of the most unique date night ideas that is also totally budget friendly.

You can host a mystery game night for your friends, or if you prefer, buy an escape room kit for an unforgettable date for just the two of you.

43. Go roller skating

For the adventurous couple, it’s time to grab your roller skates and head outside for an old-school date night idea.

Mix it up by skating in different places such as:

• An empty car park
• Around the city
• Cycle paths
• Skate parks

No matter your skating skill level, you’ll still have a great time together!

Expert tip: Remove all distraction

When you’re at home, it’s easy to get distracted. The dishwasher may need emptying or the dog wants walking.

But it’s vital to be in the moment with your partner on date night for the entire evening so you can focus on your relationship.

Turn off all technology, including your phones and the TV. If a pile of laundry needs putting away, move it to another room during date night. Arrange with a neighbor or friend to have your pet or children for a few hours.

These simple changes can help you have the best date night possible, strengthening your relationship and leaving you both feeling happy and satisfied.

How can I make my date night extra special?

Date nights don’t happen every week, so when you find the time for one you want it to be extra. That said, there are lots of ways that you can go the extra mile for date night. Here are our top three:

1. Dress up

Remember the early days when you made an effort with your appearance? Not only does wearing something you feel good in do wonders for your confidence, but it also helps keep attraction and spark in a relationship.

2. Make it a surprise

Taking the initiative to organize date night without your partner knowing will make them feel very loved. Arrange the babysitter and let your other half know when they need to be ready.

3. Keep household chores and children talk to a minimum

It’s easy for couples to fall into the trap of talking about everyday things during date night. Instead, try discussing your future plans and goals such as where you want to go on vacation next or even future date night ideas!

What are the top things to do on a stay home date night?

Staying in is just as much fun, if not more so, than going out. It’s the perfect option if you’re on a budget or don’t feel like blowing lots of cash at an expensive restaurant.

However there are so many things you can do too. You’ll always have inspiration. Here are just a few of our favorite stay at-home date night ideas:

• Play board games
• Do a DIY project or craft
• At home spa session
• Mix some tasty cocktails
• Take a virtual class together
• Enjoy an indoor picnic
• Dance the night away
• Share a bubble bath
• Plan your future
• Do a puzzle

How can I make my living room romantic for a date night?

When it comes to making your living room romantic, the right ambience can transform your next date night from average to extra special.

However, you don’t need to spend hours of your time or lots of money to achieve the right feel either. Follow our tips below for a romantic, calming and intimate environment.

• Arrange some fresh flowers in the centre of the room.
• Bring several throws, pillows and blankets down from the bedroom.
• Light a cozy fire or place many candles around the room (LED ones work well, too!).
• Turn off bright ceiling lights and use lamps or candlelight to see.
• Most importantly, ensure the room is clean and tidy for date night.

What should I wear on my at-home date night?

Ultimately, you want to wear something that you feel good in for your at-home date night!

It could be a skirt and heels or your favorite jeans and a blouse. But just because you’re not stepping outside your front door doesn’t mean you can’t wear a new top or dress. Maxi dresses are comfortable and stylish, making them a perfect choice of clothing for a romantic at home dinner date.

Also remember to dress appropriately for your at-home date night activity too. If you’re painting or getting crafty, you might want to swap the dress for a t-shirt and joggers. The most important part of date night is spending time together, not necessarily what you wear.

Why you should put your at-home date nights on your calendar

Now you have a ton of fun stay at-home date night ideas. However, you need to dedicate a specific night to spend together. Why?

Because we all tend to get so caught up with our busy schedules before we know it, the week or month is gone! This is especially true if you have children.

So, pick a night every week that you have your date night on. Whether it’s Wednesdays or Sundays, it doesn’t matter. Just set aside time on your schedule to ensure you are making time for the important things, like each other! 

Plan to try these fun at home date night ideas with your partner!

Our epic list of at home date night ideas shows that couples on a budget can have fun date nights without spending a bundle of money.

You can stay on course to achieve financial success together while spending quality time together. Try a couple or all of the ideas on this date night at home list.

You’ll build an amazing relationship and save some money while you are at it! P.S. Be sure to also check out these fun family night ideas for the whole family!

The post 43 At-Home Date Night Ideas For Couples On A Budget appeared first on Clever Girl Finance.

If you’re ready to leave a relationship but are staying because you have no money, it can put you in a pretty bad situation. Living unhappily or feeling trapped doesn’t do anyone any good and can have many negative effects. It’s important to know when to leave a relationship and not to feel like you don’t have options when it’s time to go.

How do you know when it’s time to leave a relationship? 6 Signs

Putting money aside, let’s look at the signs of how to know when to leave a relationship. Don’t let money drive your decisions – there are ways to leave a relationship with no money (more on this below). For now, let’s look at the signs you should leave and worry about money later.

It may be time for leaving a toxic relationship if you’ve made every effort to improve your situation (perhaps even with external support such as therapy or a mediator), but you still feel the following:

1. Feeling more pain than joy

If you find yourself constantly upset or angry in your relationship, you may be experiencing more pain than joy. You may be guilty of letting the few happy moments cover up ‘the bad’ thus forcing you to stay in the relationship.

Instead, be honest and practice listening to yourself. Look at your emotions overall, not just in the few happy moments that may be few and far between. If you find that you’re in pain more than you’re happy, it’s time to leave.

2. Your partner wants you to change

Your partner should love you for who you are, whatever that means today. Even if you’ve changed through the years, you both promised each other – for better or for worse. You didn’t promise to stay exactly the same.

If you’ve changed and they don’t like it, or you haven’t changed, and they want you to – they aren’t in love with you for who you are, and it could be time to leave.

3. You expect your partner to change

If you’ve given your partner an ultimatum or you spend your time wishing they would change their behavior, it may be time to leave your relationship. Just as you should be loved the way you are, the same is true of your partner.

You aren’t in love with someone if you want them to change so you can like them. It may be that you are in the relationship for the wrong reasons, and it’s time to move on.

4. Experiencing physical or emotional hurt

Pay close attention to how your loved one treats you. Abusive relationships and/or physical pain is an obvious ‘no go’ and a reason to leave a relationship right away, but emotional hurt can be harder to detect.

Assess how you feel on a regular basis. Are you always justifying yourself or justifying the way your loved one makes you feel?

If so, there may be some emotional damage that you shouldn’t have to deal with, and you may be better off on your own. The last thing you want is not to have a feeling of security in a relationship.

5. You are the only one putting in effort

Relationships work two ways, but it may not be worth it if you are the only one working on the relationship. Relationship communication problems can be a very big issue.

You can’t pour from an empty cup, which will happen if you keep giving the relationship your all while your partner sits back and takes the easy road. Eventually, you will burn out and won’t be able to carry the relationship or yourself any longer.

6. Feeling held back

We all ebb and flow in life, but often in different stages. If you’ve grown, your beliefs changed, or you’ve otherwise changed your life, but your partner didn’t follow suit or doesn’t have the same beliefs, it may be time to leave, so you can feel free to grow as you want and your partner can do the same.

How to leave a relationship when you have no money (8 ways)

It may feel impossible to leave a relationship when you have no money, but if you get creative, there are ways. Here are eight ideas to help you with when to leave a relationship.

1. Find a job or start a side hustle

Now is the time to dust off your resume and find a job. You may need to start by explaining gaps in employment.

Keep it brief (e.g. you took time off to have children or took a year off for personal reasons). And instead, focus on your competency to do the job.

You may also need to acquire new skills or certifications. You can explore free and low-cost options on platforms like Skillshare and also Udemy. 

If you decide to start a business, think about what you’re good at, and chances are you can try starting a side hustle. Whether you’re crafty, can write, can do voice-overs, or can walk dogs, there are side hustles for people of all skill levels today.

You can then save the money you earn to help you exit the relationship.

If you don’t have the time to work full-time, also consider a part-time job to get the money you need. Even 20 hours or so a week can help you put money in a savings account and increase your financial stability.

2. Sell items you don’t need

If you’re going out on your own, you may not need as much ‘stuff.’ Look around the house (at what’s yours) and sell what you no longer need.

You’ll likely be downsizing, so only save the items you really want/need and sell the rest for cash on a site like Facebook Marketplace.

3. Set a budget and organize your finances

Create a budget you can live on. Be realistic with yourself. Budget for the necessities first (shelter, transportation, medical care, and food), and then budget for the other items to know exactly how much you have.

It may be tight for a while, but the more aware you are and the more frugal living tips you use, the better.

Be sure you have opened bank accounts in your name and have a debit and credit card in your name as well. Start learning how to save and invest so you can create a security buffer for yourself.

Also, ensure that any money you earn goes directly to your separate account and not a joint account. At this time, it’s essential to keep your money separate from your partner’s.

In addition, make sure that any bank statements or paperwork you receive is in your own name and is delivered directly to you when you’re thinking about when to leave a relationship.

4. Use coupons and shop sales

Don’t go to the grocery store without a plan and a list. First, shop your refrigerator and pantry.

See what you already have and what meals you can make out of it—only shop sales for the items you need and use the best coupon websites as much as possible. Also consider store brand or generic brands vs. big brand names to save more money while you grocery shop.

5. Trade services with friends or family

If you have kids, trade babysitting services. If you are good at cooking and your friend’s husband is great at cutting lawns, swap chores.

This way, neither of you has to pay for services, and you help one another out. This can help you put more money aside to leave your relationship.

6. Ask family for help

If you live near family, ask them to be part of your support system. While it’s hard to ask for help, especially when people let you down, it’s not a sign of weakness. Most family members will be willing to help you if you ask. If you feel comfortable, you can also share with them what’s going on with your relationship.

Often they don’t know what you need and are afraid to make you feel bad. Just ask – the worst that someone can say is ‘no!’

7. Ensure your safety

While many may not be leaving a relationship due to abuse, you may have found yourself in this situation. And so it’s important to ensure you are safe. And this means securing safe housing, having access to the internet and a phone, and having cash on hand.

For resources and to create an action plan, check out the National Domestic Violence Hotline website or call 800.799.SAFE (7233).

8. Secure housing

You need to find affordable housing for when you do leave. It’s important to start looking for apartments or houses where you would have the financial resources to rent or pay the mortgage.

Consider your other expenses and financial goals when deciding how much you can pay for a home, as well as your income and any child support or financial assistance you might receive from your partner.

Expert tip

Remember to plan out what you’ll do if leaving a toxic relationship. Decide whether you have time to wait and save up money for a few months or whether you need to leave immediately.

In addition, make a plan of where you will go, what you’ll do for work, and other things that will help ensure your basic necessities while you get through this challenge.

It’s also important to take the time to practice positive affirmations for self love, as well as work on confidence building exercises and maintain your mental wellness.

How do I prepare to leave a relationship? 4 Key questions

Knowing when to leave a relationship can be tough, and you also have to think about how you’ll survive. It’s different when you leave a relationship and aren’t sure where to go – you can usually find somewhere.

But you can’t make money appear out of thin air, so before you do, consider these factors.

Where will you go?

If you don’t have money, you can’t buy a place or even rent. You may not even have enough money to put yourself up in a hotel for a few days while you figure things out.

Think about where you’ll go before you leave. Do you have family who will take you in or a good friend? Is there a local shelter nearby or rent assistance for single moms and women who need to leave fast?

These are all things to consider before leaving.

Do you have money to cover your bills?

If you are leaving a toxic relationship, do you have enough money to cover your basic bills as you transition to a new life and live somewhere else? Think about food, shelter, transportation, clothing, and medical expenses.

These are your basics, but you’ll also need money for emergencies and, if you have kids, money to make sure their needs are met. Think not only this month but long term. You don’t want to end up in a situation where you’re saying, “I can’t pay my bills!”

Is your job stable and do you have a job?

If you leave your spouse, do you have a job with a stable income that can support you, or are you out of a job? If you’re out of a job, do you have prospects, or have you been unemployed for a while?

What if you haven’t worked because you’ve been taking care of the kids and feel out of the ‘loop,’ how hard will it be to find a job again?

If possible, it’s a good idea to have a job and some savings, or at the very least, start sending out your resume and going to interviews if you can. You may be able to find a new job quickly.

Do you have kids to worry about?

If you have kids, who will care for them if you get a job? If you don’t have family who can care for your children while you’re at work, you’ll need to work babysitting into your single mom budget.

Think about ways to get around the costs if you don’t have family, like swapping babysitting services with a friend or co-worker.

When to leave a relationship: Take the quiz

How to know when to leave a relationship can be difficult. Answer these questions to get more clarity:

• Are you experiencing any sort of domestic abuse, such as physical abuse or financial abuse?
• Has your partner admitted to an affair?
• Does your partner refuse to meet with therapists or otherwise try to improve your relationship?
• Is your communication non-existent despite your efforts to talk things out?

If you answered yes to any of these questions, it may be time to consider leaving.

Abuse of any kind is reason enough for immediately leaving a partner.

However, if your problems are coming more from a lack of communication, it may be possible to resolve your differences.

You’ll need to use your judgment and find the solution that is best for you while also keeping yourself safe.

How do you know if a relationship is worth saving?

If you and your partner have different communication styles or if one of you has changed a lot since you began your relationship, it may be possible to save your relationship. These are usually circumstances that you can work through together.

However, there are other situations that you should have no tolerance for, such as a fear for safety.

How do you know when it’s time to leave a relationship?

Generally, if you feel that the situation is not improving and your partner refuses to communicate or try to understand your feelings, it may be time to separate. Going through a toxic breakup is difficult, and it may be hard to tell when it’s time to leave. But if you’ve tried to work things out and nothing is improving, you may consider moving on.

Is money a reason to leave a relationship?

Money and relationships often don’t go together. In fact, money is one of the most common reasons for getting divorced.

But what happens when you’re in a relationship and can’t get out because you can’t afford it? That happens too, and it’s almost worse.

Whether you can’t afford the divorce or you can’t afford to be on a single income, it can feel like you’re trapped. If you’ve always relied on your spouse’s income or you recently lost your own job and don’t have any prospects, it can feel like you don’t have any options.

Money has a way of controlling our lives, even when it’s forcing us to live a way we don’t want to live, but the good news is there are ways out, and you can begin transforming your relationship with money.

You can learn to budget and make time for your money, even as a working mom or a single-income household.

Articles related to leaving a relationship

If you want more information about relationships and money, check out these articles!

• 20 Money Questions To Ask Your Partner In A Relationship
• What Is Financial Intimacy In A Relationship?
• Relationship Communication Problems Affecting Your Finances? Do This!
• Relationship Advice For Women About Money

It’s important to know when to leave a relationship

It’s important to know when to leave a relationship when you have no money. Feeling stuck or dependent on someone you aren’t happy with any longer isn’t good for anyone.

It may take a little creativity and sacrifice, but with the right support, you can learn when to leave a relationship, even with no money. There’s always a light at the end of the tunnel, and remember to prioritize your mental health as much as possible during this time.

The post When To Leave A Relationship + Tips If You Have No Money To Leave appeared first on Clever Girl Finance.

When it comes to relationships, talking about money can seem a bit taboo. After all, queries about finances are hardly considered romantic questions. Nonetheless, knowing what practical money questions to ask your partner is important when you’re thinking of a future together.

With money being one of the leading causes of divorce, it’s important to talk about it before you say, “I do.” So if your relationship is headed toward marriage and you’re already looking at the average wedding cost, or you’re wondering about questions to ask before moving in together, finances are one thing you want to talk about for a long-term relationship.

Learning how to communicate with your partner about finances is an adventure and it’s also very important, so let’s get into the top financial questions couples should discuss.

20 questions to ask your partner about money

Money is worth discussing in any committed relationship. Finances are an essential part of each person’s life.

Not sure how to bring up the topic? Here are 20 financial questions to ask in your relationship.

1. How would you describe your spending habits?

Differences in spending habits can cause huge riffs with finances in marriage. Imagine being someone who saves every penny while your partner spends every cent they earn. It’s hard to get on the same page when you’re at two opposite ends of the spectrum.

It’s important to know how your partner spends their money when sharing finances. And it goes beyond whether they are a spender or a saver. You need to understand if they actually spend responsibly or on a whim—without regard to a budget.

Knowing how each of you spends money will allow you to determine how to manage your money together.

2. How do you feel about debt?

The unfortunate reality is that most people have some kind of debt. Debt includes student loan debt, car loans, credit card debt, mortgages, and more.

Having an excessive amount of debt can cause both financial and emotional strain on a relationship. Debt hinders your ability to save, invest, and simply enjoy life, which may create debt stress.

The purpose of asking this question is to learn how your partner feels about debt, not just to determine if your partner has debt and how much.

Does your partner believe in keeping debt, or do they believe in being debt-free?

Knowing the impact that debt can have, it’s important to know how your partner handles their debt. If you’re a person who doesn’t like having debt, being with someone who is ok with it may be an issue. That’s why it is one of the most important questions for couples to ask as a relationship gets serious.

3. What did you learn about money growing up?

A lot of what we do as adults stems from what we learn as children. The things that we see, hear, and are taught as children ultimately shape our adulthood. Which includes how we handle our money.

If you’ve never learned how to spend money wisely, it’s likely that you’ll also handle money irresponsibly—if you aren’t taught otherwise.

Asking your partner what they learned about money growing up will shed some light on why they handle their money a certain way. It will also allow you to give some grace when they may make some mistakes.

You might ask if they had a job or earned money from doing chores as a kid. Were they given spending money? Did they save any money or spend it all?

Any questions like this will give you an idea of where your partner stands with money today.

4. How did your parents handle money?

For many of us, our own money story came from watching our parents. You may have seen them paying bills, or maybe you had the kind of parent who was stressed by unexpected expenses. You may have also seen one parent handle the money while the other didn’t.

How your parents handled money informs how you may handle money within a relationship.

For instance, if your parents managed money together, it may be important for you to do the same with your partner.

If you grew up in a single-parent household, you probably learned to be financially independent at an early age.

One of the good questions to ask your partner is how their parents handled money and, in turn, how they would like to handle money within a serious relationship.

Do they have specific views on who should handle money in the relationship? Do they believe that both partners should make money? Not knowing about your partner’s expectations can lead to relationship communication problems.

5. How do you think couples should manage their finances?

Although our parents shape how we handle money, it’s important to know your partner’s perspective on how couples should handle finances. Their beliefs about how couples should manage their money may not be the same as their parent’s beliefs.

Do they believe that you should combine finances? Is the man responsible for managing the money? Should you have separate bank accounts, or do you want to consider opening a joint bank account?

These are all things that can help you understand how you will handle money together.

6. What tools do you use to manage your finances?

You should have a plan for managing your money if you’re going to be financially responsible. Whether it’s a written-down budget, an app that you use, or even one of the best budget templates, you should have something that allows you to plan where your money is going.

The actual financial tool that they use to manage their finances really isn’t important.

What you really want to gauge is if they are proactively planning their money. Are they being fiscally responsible or just leaving everything up to chance? Do they have at least an example of a financial plan they’d like to follow?

7. Are you saving for retirement?

As you and your partner think about the future of your relationship, you should also be thinking about your financial future. In other words, are you preparing yourself for retirement?

Although retirement may seem far off, it’ll give you a good perspective on your partner’s forward-thinking and planning for tomorrow. Are they saving for retirement? If not, this may pose a problem later on if you choose to get married.

Not having retirement savings means that you and/or your partner will have to continue working in order to have the funds to live on in old age. Is this something that you’re ok with?

Even if they aren’t saving for retirement now, asking them questions may spur them to get started.

8. Is investing important to you?

Investing is a vehicle for building wealth. If you want to build generational wealth, you should be thinking about how you can invest your money so that it can grow.

If wealth accumulation is your goal, you’ll want to know if your partner is on the same page. Even if they aren’t investing at the moment, having a plan to at least invest in the future will show their commitment to building wealth.

In addition, what sort of investing do they prefer? People have different tastes and risk tolerances regarding investing. Some people prefer low-risk options like bonds, while others are more interested in investing in single stocks.

Although these are extreme examples, you can see why you’d want to know if your investment styles are similar.

9. Do you financially support anyone else?

If you’re planning on combining finances after marriage, you’ll need to know where your money will be going. So one of the most vital questions to ask your partner is if they are financially supporting anyone else. It could be a child, parent, or other family members.

Financially supporting someone outside of your household could become a financial strain. Being aware that this is a responsibility ahead of time will allow you to plan and budget accordingly.

It’s also the perfect time to decide if financially supporting family members outside of children is something that you agree with. You should seek to understand each other’s financial boundaries when it comes to supporting others and how that will affect your relationship.

10. What are your short-term financial goals?

It’s important to have goals when it comes to your finances. You should always have a plan for your money. Otherwise, you’ll find yourself wondering where your money has gone.

Short-term savings goals and financial goals are things that you want to achieve within the next 2 years. It can be anything from saving for a vacation budget to starting an investment account. Knowing your partner’s goals shows you where they’re headed and, ultimately, what they are working towards.

Everyone’s goals are different, so it’s not about whether they have the “right” goals. It’s about understanding their aspirations and how you can support them.

11. What are your long-term financial goals?

In addition to understanding your partner’s short-term financial goals, you should also inquire about their long-term financial goals.

Goals that take a long time are things that you plan to accomplish with a 5-year plan or even longer. It can include things like deciding to pay off debt or save, purchasing a home, or even hitting a specific savings milestone.

Again, this question isn’t to judge what their goals are. Instead, use it as an opportunity to gauge if they have a plan of action. Also, consider how your relationship fits into these plans.

12. What do you tend to splurge on?

You may have a lot of curiosity about this question. We all have something that we tend to splurge on. Whether that’s food, clothes, or even the more expensive handbag brands, there’s something that we’re willing to spend more money on. Find out what that item is for your partner.

Although most splurges are harmless, some things can pose a financial risk.

For instance, if your partner has a shopping addiction or spends a lot of money gambling, it can have long-term consequences. So it’s important to understand what they splurge on and if it is something that you’re comfortable with.

13. How do you handle financial emergencies?

At some point, we’ll all experience a financial emergency. The important thing is how we handle them.

The best way to prepare for any financial emergency is to have an emergency fund. An emergency fund is a savings account dedicated to paying for emergency situations, like an unexpected car repair.

You’ll want to know if your partner is financially prepared for emergencies. Do they have money saved to cover these expenses, or do they rely on credit cards instead? It’s one of the important financial questions to ask your partner because you both need to be prepared for unexpected events!

14. Are you currently saving for anything?

Another great money question to ask your partner is if they are currently saving for anything. Saving for large purchases shows their commitment to working towards a goal. It also shows that they’re willing to have delayed gratification.

If they don’t currently have things to save up for, ask if they typically save up for large purchases. You may find that they are in a financial position to cash flow everything. Or, you could find that they leverage credit cards or loans to fund expenses that they can’t afford.

15. Is giving a part of your budget?

You can tell a lot about someone’s personal core values by how they spend their money. If someone values helping others, then giving will likely be an integral part of their spending. That’s not to say that money is the only way to give back; however, if you have the financial means, you’ll likely give.

Find out if your partner thinks beyond themselves financially. Do they give to charities and philanthropies? Is helping others at the forefront of their financial planning process?

Not only does this show a commitment to making the world a better place, but it also shows that your partner is able to think about and help others.

16. If you had unlimited money, what would you do?

One of the more fun questions to ask your partner about money is this one. It’s a low-pressure opportunity to find out what their financial goals and hopes for the future are.

You will also get a good sense of how realistic and achievable their money dreams are, as well as how you might be able to work towards those things together with financial goal setting.

Asking your partner what they would do in this situation can show you how they plan with money, what their dreams are, what they spend money on, and what they value most.

17. How do you want to handle shared expenses in the future?

It may seem like one of the more intense questions for couples to ask about money, but if you’re considering living together, you need to know what expenses each person will pay.

Will you consider opening a joint bank account or keeping everything separate? Who will be responsible for what bills? It can stop a lot of confusion to know these things in advance.

18. Do you make budgets often or never?

Asking about budgets will tell you a lot about where your partner stands with money. Your significant other may say that they never make a budget, that they are budgeting weekly, or even just once in a while.

Since budgets help you organize your finances and decide what to do with your money, it’s best to make them a regular practice. If you start to pay expenses together, a budget that both of you agree to will help keep you on track.

19. What amount of income do you think is needed for your ideal life?

It’s a fun question, and it will allow you and your significant other to dream about what the future holds. Asking them how much money is needed for their ideal life will help you both to consider what you want in the next ten or twenty years, as well as the type of career or income necessary to live richer.

Think beyond expenses to also include things like investing, owning real estate, and other important financial milestones.

20. Do you have credit cards?

Credit cards can often be related to debt, but not always. Some people have credit cards that they use and pay off every month, which shows they are using credit cards responsibly. Others use credit cards without a plan and may build up debt over time.

Asking about credit cards can help you to know where your partner stands with money and how responsible they are when using credit.

Furthermore, do they use credit cards or take out loans to fund their lifestyle? Would they spend more than they can afford on a favorite holiday to get the best gift for everyone? Using debt could mean living beyond your means if you decide to combine finances.

Find out if your partner has credit cards and how they use them to decide if you are okay with that type of lifestyle for your money in the future.

Expert tip

Any time you and your partner can communicate about money is a good opportunity to learn something new about them. You may find over time that you have similar views about finances or very different ones.

Regardless of your previous thoughts about money, as you plan a future together, consider how money can work for both of you and make your relationship stronger.

How do you approach asking your partner questions about money?

As you think about questions to ask your partner, carefully consider how you’ll bring up the subject of finances in your relationship. Try to pick a time when both of you are unhurried and in a good mood.

In addition, you can bring up money while you have a date night at your favorite place. Or try these at-home date night ideas!

Sometimes being in a relaxed atmosphere and not feeling pressured to have all the answers can be a great way to have meaningful conversations.

Remember, being kind and open-minded is important, even if your partner thinks differently than you do about money. Using words of affirmation to let the other person know you care, even if you have a different view, may go a long way toward resolving differences.

At what point in a relationship is it appropriate to discuss finances?

Rather than asking these questions on the first date or in a new relationship, you should wait until you know for sure that you are both committed. Since money tends to be a sensitive topic, you don’t want to bring this up with someone you aren’t serious about. 

An appropriate time to bring up money is if you have been dating for a long period of time or are considering marriage, engagement, or moving in together. Wait until a later time if you’re just casually dating.

How can you make the topic of finance more fun with your partner?

Think of it this way: asking your significant other money questions is an opportunity for quality time, as well as a way to ask deep questions that reveal more about the other person.

To make finances less intimidating, you can also ask fun questions about other topics.

Discuss unrelated but interesting subjects like favorite books or a summer reading list, favorite movies, a favorite family tradition, a hidden talent you each have, or your dream vacation. Ask about a more casual topic like this if you find that the conversation about money is too much.

Also, allow the conversation to flow naturally rather than asking one question after another. And be willing to share your own thoughts and money practices, as well.

Related posts about money questions for couples

If you enjoyed this article, check out this related content:

• 10 Questions To Ask Before Moving In Together
• 20 Couples Challenges To Improve Your Finances And Relationship
• Budgeting For Couples: How To Budget As A Couple
• 23 Best Side Hustles For Couples

Communicate effectively with these important questions for couples about money!

These questions to ask your partner are intended to provide insight into their views of money. It’s important to know how they think and feel so that you can determine if it aligns with your own beliefs. Knowing the answers can also bring more security to a relationship.

Just because you don’t agree with everything that your partner reveals doesn’t mean that your relationship won’t work. It simply means that you’ll have to find common ground so that money issues don’t divide your relationship.

You may find that you’re financially incompatible if either of you is unwilling to compromise on money habits. Either way, knowing allows you to make an informed decision about how you’ll proceed in your relationship. Learn how to build a solid financial future together with our completely free financial roadmap. 

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When my children were just toddlers, I made a commitment to raise them to be economically independent and empowered to make their own financial decisions. I wanted them to become financially secure and self-reliant. In order to do this, I focused on prioritizing their financial education, as financial literacy for kids is a taught skill.

Money knowledge is valuable, so let’s talk about why teaching kids financial literacy is important, and how to do it effectively!

Why teaching kids financial literacy is important

Kids grow up quickly, and soon, they’ll be responsible for many financial decisions. But a lot of young adults and college students don’t know much about money.

It’s essential that they begin to learn important financial concepts, like how to save and budget, when they’re young. It will give them many years of practice before their choices impact their future in a significant way.

If kids are allowed to learn with money in these early stages, they’ll be much better equipped to make good choices later on.

Kids’ financial literacy basics

Before you learn how to teach financial literacy for children, what are the most important money management skills they need to know? Teach these basic financial skills first. It’s a good idea for kids to learn about:

Earning an income

Knowing what to do with money once you have it is important. But teaching kids about earning money is an essential step. They need to understand how to earn, starting with small kid-friendly jobs, such as mowing lawns or babysitting, and then moving into regular jobs as teens.

Budgeting

Once kids get some money, they need to know how to organize it. Budgeting will help your kids understand financial goals, math skills, expenses, and financial responsibilities. It creates an understanding that money should be used to take care of their expenses, as well as used for fun.

Saving money

Saving is a big part of personal finance, and learning this early on can only help. There are plenty of ways to teach savings, starting with helping your kids to set aside some money each time they earn. When they’re very young, a piggy bank may work, but a savings account will be appropriate as they get older.

Good habits overall with money

Teach your children good financial habits. It includes making wise spending decisions, goal-setting, and opening a bank account. Knowing how much money they have and having a plan for it will help them create good habits early.

7 impactful ways to teach financial literacy for kids

Speaking of good money habits, here are 7 impactful ways to teach financial literacy for kids. It will in turn help your young children become financially savvy adults:

1. Teach your kids independence and responsibility through chores

Household tasks played an important role in teaching my kids independence and responsibility even though completing chores wasn’t linked to their allowance.

My kids were responsible for making their bed, keeping their bedroom clean, setting the dinner table, and putting their laundry away at the end of the night. Chores teach kids what it is to work hard and the value that comes from it. Doing household tasks helps your kids understand what it takes to make money.

While they often grumbled about the work, they later shared their thanks for giving them the skills necessary to live on their own.

2. Open a saving account for your child and take them through the process

What better way to help kids financial literacy than to have them manage their own money? I gave my kids an allowance starting at age five. I committed to paying it weekly through college as long as they invested half of it into their personal savings accounts.

By showing your children how you open their accounts, how to make deposits, and how to track their savings, you can impart valuable financial literacy for kids.

Parents can make a household rule that savings stay untouched until it affords its owner a valuable opportunity. Savings includes money from allowance and other income including gifts. In turn, your kids will one day be amazed at the doors that their savings will open for them.

3. Educate your children about finance concepts

Every day at the Women’s Business Development Council, I witness the women empowerment that education offers. Simply put, knowledge is power, and it will give your children the opportunity to make choices and follow dreams. So show your kids that learning about money is an important part of them having a successful future.

Put education at the top of your parenting priorities by setting expectations and celebrating educational success. Children learn by example and observation.

Set up a college savings account as soon as possible, as this is part of financial literacy for children. Research scholarships and take advantage of low-cost after-school enrichment and tutoring programs. And involve your children in the process, as it will allow them to build their financial confidence.

4. Leverage fun resources to impart financial literacy for kids

As you’re teaching your children financial literacy, make the experience fun. Leverage fun activities, games, and money books for kids.

Create weekly money dates or have weekly standing money conversations. You can even have them pursue some great business ideas for kids!

The whole idea is to make talking about and dealing with money a comfortable experience for your children. Need ideas? Check out our free course on teaching your kids healthy money habits. And here are some financial literacy games for kids.

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