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Twelve twenty-minute money conversations for newly married couples, with the questions written out word for word — plus a split calculator that shows what each of you has left over. Soft floral design, printer-friendly.
Instant Digital Download
This is a digital product. No physical item will be shipped — files unlock in your library immediately after purchase. How delivery works
Refunds within 7 days of purchase if you haven't downloaded the product, and always for faulty files. Refund policy
Format
PDF (23 pages, US Letter) + XLSX spreadsheet
File size
3.1 MB
Requirements
A printer or any PDF reader for the planner. Excel, Google Sheets, Numbers or LibreOffice for the calculator. No subscription, no account, nothing to install.
What's included
Created by
Nivaen
That is all this is: twelve twenty-minute conversations, one a month, in an order that stops the hardest ones landing first.
Most couples do not have a budgeting problem. They have a conversation problem. One of you quietly carries the bills. One of you does not know the real number. Nobody has ever said out loud how much either of you can spend without checking. It works fine — right up until the year it doesn't.
The Money Date Kit gives you the exact words. Every question is written out. You read them aloud, take turns, set a timer for twenty minutes, and write down what you decided. That is the whole method.
The printable planner — 23 pages, US Letter
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Sign in to reviewThe split calculator — spreadsheet, six tabs
Works in Excel, Google Sheets, Numbers and LibreOffice. Yellow cells are the ones you type in; everything else calculates itself.
Soft blossom and dusty-rose florals, roomy writing lines, and a calm layout that does not look like a tax form — because a planner you are embarrassed by is a planner you put in a drawer. Printer-friendly too: the florals sit in the margins, not behind the text, so it will not drink your ink.
1. The Full Picture — every number on the table, once 2. The Account Decision — joint, separate, or both 3. The Split — what each of you contributes, and why 4. Debt, and the Order We Kill It 5. The Emergency Fund — and what counts as an emergency 6. Thresholds and No-Questions Money 7. The Leak Audit — the easiest win of the year 8. The Worst Case — insurance, wills, and the boring version of a terrible conversation 9. Family, Gifts and the Word No 10. The Big Three, Years Out 11. Future Us — retirement, and who pays for the career break 12. The Year in Review — and next year's rules
Couples in their first year or two of marriage who have never properly combined finances. People who keep meaning to have the conversation. Anyone who has realised they do not actually know what their partner earns, owes, or is afraid of.
It is not a budgeting course, a debt program, or forty hours of video. It is a planner and a calculator, and you will have used both within twenty minutes of downloading them.
Both files are yours the moment you buy. Print the planner once and use it for a year, or fill it in on screen. Nothing expires, nothing renews.
This kit is an educational worksheet set, not financial, tax, legal or therapeutic advice. It does not know your country's tax rules or your situation. For decisions involving debt, tax, property or investments, speak to a licensed professional where you live. If money conversations in your relationship involve control, secrecy you are punished for, or fear, that is not a budgeting problem and this kit is not the right tool — please speak to a qualified counsellor or a domestic-abuse support service.
