Level Up Your Money Habits from 2 to 10 Before a Relationship 💸
1. Get Real with Your Money Situation
Before you can improve, you need to know where you stand.
💡 Level-Up Move:
✔️ Review your income, expenses, savings, and debt
✔️ Check your credit score (it will matter in the future!)
✔️ Track your spending for a month to spot patterns.
Being financially self-aware is the first step toward growth.
2. Build a Healthy Relationship with Money
Your money habits are shaped by your past, but they don’t have to define your future. If you:
Avoid checking your bank account out of fear 😬
Feel guilty spending money on yourself 🛍️
Struggle with saving consistently 💸
It’s time for a mindset shift.
💡 Level-Up Move:
✔️ Journal or Talk about your money beliefs—where did they come from?
✔️ Replace negative money thoughts with empowering ones
✔️ Follow personal finance content that motivates you like me 💕🫶🏾
3. Master the Art of Budgeting (Without Feeling Restricted)
A budget isn’t a punishment—it’s a tool for freedom. The better you manage your money now, the easier it will be when you have shared financial responsibilities in a relationship.
💡 Level-Up Move:
✔️ Find a budgeting method that works for you (50/30/20, zero-based, pay-yourself-first, etc.)
✔️ Set up a monthly money date with yourself to track progress
✔️ Use apps like YNAB, Mint, or a simple spreadsheet
4. Start Saving for the Future—Not Just Emergencies
An emergency fund is essential, but don’t stop there. A question I hear a lot is what am I saving for, the answer is your ‘Future’. Start building wealth and planning for future financial goals.
💡 Level-Up Move:
✔️ Save 3-6 months of expenses for emergencies
✔️ Open a high-yield savings account for big life goals (travel, home, etc.)
✔️ Set up automatic savings transfers so you don’t have to think about it
5. Handle Your Debt Before It Handles You
Debt can put stress on both your future self and your future relationship.
💡 Level-Up Move:
✔️ List out all your debts (student loans, credit cards, car loans, etc.)
✔️ Choose a repayment strategy:
Avalanche Method (highest interest first)
Snowball Method (smallest balance first)
✔️ Avoid taking on new unnecessary debt
6. Build Multiple Streams of Income
Relying on one income source is risky. Whether you want financial freedom, early retirement, or just extra security, diversifying your income will help you stay financially independent in any relationship.
💡 Level-Up Move:
✔️ Start a side hustle or freelance gig
✔️ Invest in skills that increase your earning potential
✔️ Start Investing 💸
7. Learn to Talk About Money with Confidence
Money conversations can feel awkward—especially in dating. If you’re used to avoiding money talk, start practicing now.
💡 Level-Up Move:
✔️ Normalize talking about financial goals with friends & family
✔️ Get comfortable discussing money on dates (without making it weird)
✔️ Be upfront about your financial values and expectations
8. Set Financial Standards for Your Future Relationship
It’s easy to fall for someone and ignore financial red flags—but your future self will thank you for setting standards early.
💡 Level-Up Move:
✔️ Write down your financial non-negotiables in a partner (e.g., responsible with money, open to financial conversations, similar financial goals)
✔️ Be clear about your expectations—Do you prefer 50/50? Joint finances? Staying debt-free?
✔️ Watch out for financial deal-breakers (e.g., secretive spending, lack of financial responsibility)
Final Thoughts: Be the Financially Confident Partner You Want to Attract
Leveling up your money habits before a relationship isn’t just about impressing someone else—it’s about setting yourself up for a stable and secure future.
When you go from 2 to 10, you’ll enter a relationship as:
✅ Financially independent
✅ Confident in your money decisions
✅ Ready to build a strong financial future with a partner
What money habit are you working on first? Let’s talk in the comments! ⬇️
