Money Matrimony

Re-release | Must-Listen: Budgeting 101 – Obstacles to Budgeting With Your Spouse (Part 2 of 4)Once you’re convinced you need a budget, the next challenge is doing it together.As we head into the new year, we’re re-releasing this episode because budgeting as a couple is rarely just about numbers — it’s about communication, expectations, control, and shared responsibility.In this episode, we talk honestly about the common obstacles couples face when budgeting together and provide practical tools to navigate those challenges. Our goal isn’t perfection — it’s partnership.Because the healthiest budgets are the ones both spouses understand, contribute to, and own together.In this episode, we discuss:Why budgeting together can feel difficultCommon conflict points between spousesHow to move from “my money” to “our money”Tools to build shared ownership of the budget*****Make sure to hit the subscribe button and join the conversation!*****Follow our socialsInstagram https://www.instagram.com/the.moneymatrimony/Facebook https://www.facebook.com/themoneymatrimonyLinkedin https://www.linkedin.com/company/the-money-matrimonyDisclaimerPlease note that nothing in this podcast should ever be considered personal financial advice. For advice specific to your situation & needs, we encourage you to speak to a finance professional. The information provided in this podcast, Money Matrimony, is for entertainment and informational purposes only. Whilst we are passionate about personal finance and share our experiences, opinions, and insights, it should not be construed as financial advice.Listeners are encouraged to seek the advice of a qualified financial advisor or professional before making any financial decision. Every individual and couple's financial situation is unique, and what works for one may not be suitable for another.The opinions expressed by the hosts and any guests on the show are their own and do not necessarily reflect the views of any organizations or institutions they may be affiliated with.Money Matrimony does not guarantee the accuracy, completeness, or reliability of any information shared on the podcast. Listeners should conduct their own research and exercise their own judgment when making financial decisions.By listening to Money Matrimony, you agree that the hosts, guests, and producers of the podcast are not liable for any financial losses or damages that may result from actions taken based on the information provided in the podcast.

Re-release | Must-Listen: Joint Accounts – Bridging the DivideAs we head into a new year, we’re re-releasing what we believe is one of the most important money conversations for married couples.This episode isn’t really about bank accounts — it’s about unity, trust, and how you choose to function as a team. Over the years, we’ve seen joint accounts become one of the most powerful tools for reducing financial tension and increasing transparency in marriage, yet it’s also one of the most debated topics.In this episode, we explore why joint accounts matter, the fears and objections couples often have, and how shared finances can actually strengthen your relationship rather than create conflict.If your New Year intention includes deeper alignment, fewer money arguments, and a stronger sense of “us” when it comes to finances, this episode is a must-listen.In this episode, we cover:Why money division often creates relational distanceThe real purpose of joint accounts in marriageCommon concerns couples have (and how to work through them)How shared finances can build trust and teamwork*****Make sure to hit the subscribe button and join the conversation!*****Follow our socialsInstagram https://www.instagram.com/the.moneymatrimony/Facebook https://www.facebook.com/themoneymatrimonyLinkedin https://www.linkedin.com/company/the-money-matrimonyDisclaimerPlease note that nothing in this podcast should ever be considered personal financial advice. For advice specific to your situation & needs, we encourage you to speak to a finance professional. The information provided in this podcast, Money Matrimony, is for entertainment and informational purposes only. Whilst we are passionate about personal finance and share our experiences, opinions, and insights, it should not be construed as financial advice.Listeners are encouraged to seek the advice of a qualified financial advisor or professional before making any financial decision. Every individual and couple's financial situation is unique, and what works for one may not be suitable for another.The opinions expressed by the hosts and any guests on the show are their own and do not necessarily reflect the views of any organizations or institutions they may be affiliated with.Money Matrimony does not guarantee the accuracy, completeness, or reliability of any information shared on the podcast. Listeners should conduct their own research and exercise their own judgment when making financial decisions.By listening to Money Matrimony, you agree that the hosts, guests, and producers of the podcast are not liable for any financial losses or damages that may result from actions taken based on the information provided in the podcast.

Re-release | Must-Listen: Money & Me (Part 1)Before you set financial goals, build a budget, or make plans for the year ahead, there’s one crucial step most couples skip: understanding each other.That’s why we’re re-releasing this foundational episode as you begin the new year.In Money & Me, we unpack how our personal money stories — shaped by childhood, culture, experiences, and past wins or failures — influence how we think, feel, and behave around money today. These stories quietly shape every financial decision we make as individuals and as couples.In this episode, we explore:What a “money story” is and how it’s formedWhy couples often clash over money without realising whyHow understanding each other changes the way you plan and budgetWhy awareness comes before action*****Make sure to hit the subscribe button and join the conversation!*****Follow our socialsInstagram https://www.instagram.com/the.moneymatrimony/Facebook https://www.facebook.com/themoneymatrimonyLinkedin https://www.linkedin.com/company/the-money-matrimonyDisclaimerPlease note that nothing in this podcast should ever be considered personal financial advice. For advice specific to your situation & needs, we encourage you to speak to a finance professional. The information provided in this podcast, Money Matrimony, is for entertainment and informational purposes only. Whilst we are passionate about personal finance and share our experiences, opinions, and insights, it should not be construed as financial advice.Listeners are encouraged to seek the advice of a qualified financial advisor or professional before making any financial decision. Every individual and couple's financial situation is unique, and what works for one may not be suitable for another.The opinions expressed by the hosts and any guests on the show are their own and do not necessarily reflect the views of any organizations or institutions they may be affiliated with.Money Matrimony does not guarantee the accuracy, completeness, or reliability of any information shared on the podcast. Listeners should conduct their own research and exercise their own judgment when making financial decisions.By listening to Money Matrimony, you agree that the hosts, guests, and producers of the podcast are not liable for any financial losses or damages that may result from actions taken based on the information provided in the podcast.

Episode 31 — Is It Worth It? Family Holidays & Grocery ShoppingIn Part 2 of our “Is It Worth It?” mini-series, we take on two everyday decisions that every family wrestles with:🏖️ Family holidays — memories vs money🛒 Online vs in-person grocery shoppingThis episode explores how couples can balance joy, time, convenience, and financial goals when making decisions that feel small but add up in a big way.Together, we unpack:✨ Family Holidays — Are big trips worth the money? Do kids actually need them, or is it about the memories we think we should create? What’s the real cost of not taking a break as a family?✨ Online vs In-Person Shopping — Which one truly saves money? Which one saves time? And which one saves our sanity?What you’ll hear in this episode:Why we often equate “good memories” with expensive tripsThe mental load of dragging kids through the aisles at the shops vs the temptation of online impulse buyingHow to evaluate what’s worth it based on your values, not expectationsThe decision-making questions we use as a couple to find our middle groundIf you’ve ever debated whether a holiday is “worth the cost,” or wondered why your grocery bill blows out online and in store, this episode will help you navigate those choices with more clarity — and zero guilt.🎧 Tune in and discover what’s actually worth it for your family.*****Make sure to hit the subscribe button and join the conversation!*****Follow our socialsInstagram https://www.instagram.com/the.moneymatrimony/Facebook https://www.facebook.com/themoneymatrimonyLinkedin https://www.linkedin.com/company/the-money-matrimonyDisclaimerPlease note that nothing in this podcast should ever be considered personal financial advice. For advice specific to your situation & needs, we encourage you to speak to a finance professional. The information provided in this podcast, Money Matrimony, is for entertainment and informational purposes only. Whilst we are passionate about personal finance and share our experiences, opinions, and insights, it should not be construed as financial advice.Listeners are encouraged to seek the advice of a qualified financial advisor or professional before making any financial decision. Every individual and couple's financial situation is unique, and what works for one may not be suitable for another.The opinions expressed by the hosts and any guests on the show are their own and do not necessarily reflect the views of any organizations or institutions they may be affiliated with.Money Matrimony does not guarantee the accuracy, completeness, or reliability of any information shared on the podcast. Listeners should conduct their own research and exercise their own judgment when making financial decisions.By listening to Money Matrimony, you agree that the hosts, guests, and producers of the podcast are not liable for any financial losses or damages that may result from actions taken based on the information provided in the podcast.

Episode 30 — Is It Worth It? (Part 1) Subscriptions, Eating Out & Private SchoolsIn this episode, we dive into the everyday decisions couples face and unpack the real question behind them: How do we decide if something is truly worth it for our family?From the streaming subscriptions we forget to cancel, to whether eating out is convenience or comfort, to the massive long-term decision of public versus private schooling — we explore not just the cost, but the why behind each choice.Together, we break down:✨ Subscriptions — Are Netflix, Spotify & all the others adding value, or just adding guilt?✨ Eating Out vs Cooking at Home — Is it about saving money, saving time, or saving our sanity?✨ Private Schooling — Do the opportunities justify the fees? What about convenience, academics, and family values?What you’ll hear in this episode:The hidden psychology behind everyday spendingHow we personally evaluate “value” as a coupleThe difference between cost, convenience, and emotional payoffWhy what’s worth it changes depending on your season of lifePractical questions to help you and your partner decide what works best for your familyIf you’ve ever wondered, “Should we keep this subscription?” or “Is private school really worth it?”, this episode will give you both sides — without judgement.🎧 Listen now and start redefining what ‘worth it’ looks like in your home.             *****Make sure to hit the subscribe button and join the conversation!*****Follow our socialsInstagram https://www.instagram.com/the.moneymatrimony/Facebook https://www.facebook.com/themoneymatrimonyLinkedin https://www.linkedin.com/company/the-money-matrimonyDisclaimerPlease note that nothing in this podcast should ever be considered personal financial advice. For advice specific to your situation & needs, we encourage you to speak to a finance professional. The information provided in this podcast, Money Matrimony, is for entertainment and informational purposes only. Whilst we are passionate about personal finance and share our experiences, opinions, and insights, it should not be construed as financial advice.Listeners are encouraged to seek the advice of a qualified financial advisor or professional before making any financial decision. Every individual and couple's financial situation is unique, and what works for one may not be suitable for another.The opinions expressed by the hosts and any guests on the show are their own and do not necessarily reflect the views of any organizations or institutions they may be affiliated with.Money Matrimony does not guarantee the accuracy, completeness, or reliability of any information shared on the podcast. Listeners should conduct their own research and exercise their own judgment when making financial decisions.By listening to Money Matrimony, you agree that the hosts, guests, and producers of the podcast are not liable for any financial losses or damages that may result from actions taken based on the information provided in the podcast.

🎧 Episode 29: Adulting 101 - Health Insurance, Wills, and Grown-Up Stuff No One Told Us AboutBecause adulting doesn’t come with a manual — and we’re learning it together.Ever found yourself saying, “Why didn’t anyone teach us this in school?”You’re not alone.This week, we’re diving into the side of adulthood most people avoid talking about — things like health insurance, wills, superannuation, schooling, and how to actually plan for the unexpected.These aren’t glamorous topics… but they’re the ones that can make or break your family’s financial stability and peace of mind.In this episode, we’re unpacking what we’ve learned (often the hard way) about the practical side of life — and how couples can talk about these “grown-up” decisions before life forces them to.💬 What We Talk AboutHealth Insurance — What’s Actually Worth Paying ForWills, Estates & ‘What If’ PlanningSuperannuation & Protecting Your Future SelfDebt, Credit & Investing EarlyOther ‘Adulting’ Stuff No One Talks About💡 Key TakeawaysAdulting is love in action. Getting your financial house in order is one of the most caring things you can do for your family.Start small, but start now. You don’t need to have it all figured out — just take one practical step.Do it together. These conversations might feel uncomfortable, but they build trust and teamwork in marriage. *****Make sure to hit the subscribe button and join the conversation!*****Follow our socialsInstagram https://www.instagram.com/the.moneymatrimony/Facebook https://www.facebook.com/themoneymatrimonyLinkedin https://www.linkedin.com/company/the-money-matrimonyDisclaimerPlease note that nothing in this podcast should ever be considered personal financial advice. For advice specific to your situation & needs, we encourage you to speak to a finance professional. The information provided in this podcast, Money Matrimony, is for entertainment and informational purposes only. Whilst we are passionate about personal finance and share our experiences, opinions, and insights, it should not be construed as financial advice.Listeners are encouraged to seek the advice of a qualified financial advisor or professional before making any financial decision. Every individual and couple's financial situation is unique, and what works for one may not be suitable for another.The opinions expressed by the hosts and any guests on the show are their own and do not necessarily reflect the views of any organizations or institutions they may be affiliated with.Money Matrimony does not guarantee the accuracy, completeness, or reliability of any information shared on the podcast. Listeners should conduct their own research and exercise their own judgment when making financial decisions.By listening to Money Matrimony, you agree that the hosts, guests, and producers of the podcast are not liable for any financial losses or damages that may result from actions taken based on the information provided in the podcast.

Episode 28: Financial Life Hacks That Actually WorkEver feel like you’re working harder than ever but still watching money slip through your fingers? You’re not alone — and this week, we’re unpacking the real-world financial hacks that have helped our family save thousands (without feeling like we’re cutting joy out of life).From refinancing the mortgage to bulk-buying, side hustles, and mindset shifts — these are the exact strategies we’ve used to stretch our dollars further, simplify our finances, and free up money for the things that matter most.💡 In this episode we cover hacks in:🏠 Housing & Utilities🛒 Groceries & Household 🚗 Transportation👧 Kids & Education💰 Money Management & Habits🚀 Advanced Hacks – Negotiation tactics, credit card perks, and diversifying your income streams.🧠 Mindset & Lifestyle – Why delayed gratification and intentional simplicity can reshape your financial freedom.✨ Why you’ll love this episode:We skip the cliché “ditch your coffee” advice and dive into hacks that actually work for families. These are practical, tested-by-us strategies that improve cash flow, reduce stress, and create more space for what truly matters.👩‍❤️‍👨 Your challenge:Pick just one hack from today’s episode and put it into action this week. The hardest part is starting — but once you do, you’ll realise small tweaks lead to big wins.*****Make sure to hit the subscribe button and join the conversation!*****Follow our socialsInstagram https://www.instagram.com/themoneymatrimonyFacebook https://www.facebook.com/themoneymatrimonyLinkedin https://www.linkedin.com/company/the-money-matrimonyDisclaimerPlease note that nothing in this podcast should ever be considered personal financial advice. For advice specific to your situation & needs, we encourage you to speak to a finance professional. The information provided in this podcast, Money Matrimony, is for entertainment and informational purposes only. Whilst we are passionate about personal finance and share our experiences, opinions, and insights, it should not be construed as financial advice.Listeners are encouraged to seek the advice of a qualified financial advisor or professional before making any financial decision. Every individual and couple's financial situation is unique, and what works for one may not be suitable for another.The opinions expressed by the hosts and any guests on the show are their own and do not necessarily reflect the views of any organizations or institutions they may be affiliated with.Money Matrimony does not guarantee the accuracy, completeness, or reliability of any information shared on the podcast. Listeners should conduct their own research and exercise their own judgment when making financial decisions.By listening to Money Matrimony, you agree that the hosts, guests, and producers of the podcast are not liable for any financial losses or damages that may result from actions taken based on the information provided in the podcast.

🎙️ Episode 27: Would You Rather…? Money Edition for CouplesWhat do your choices reveal about your money personality — and your marriage?In this episode, Nikki and Hayson play a round of “Would You Rather: Money Edition,” answering thought-provoking (and sometimes laugh-out-loud) scenarios that every couple can relate to. From mortgages vs. investing, weddings vs. home deposits, to work-life balance vs. wealth-building — these questions aren’t just fun. They uncover deeper values around security, freedom, and how you and your partner approach life together.💡 In this episode we explore:Instant security vs. long-term compounding — would you pay off your mortgage today or invest half a million?Work-life balance vs. financial goals — would you choose a shorter work week or a bigger paycheck?Weddings vs. down payments — how do you balance romance and practicality?Transparency vs. trust — how much do you really want to know about your spouse’s spending?Harmony vs. cash — what’s more valuable: never arguing about money, or $100,000 free to spend?✨ Why listen?These playful “Would You Rather” questions go deeper than just money — they spark conversations about priorities, dreams, and what financial freedom actually means to you as a couple.👩‍❤️‍👨 Your challenge:Take these questions home. Pour some wine, sit on the couch, and ask each other: Would you rather…?You might be surprised at your spouse’s answer.📲 Join the conversation:We’ll be running polls and sharing your answers on Instagram — make sure to follow us and weigh in on the debates!*****Make sure to hit the subscribe button and join the conversation!*****Follow our socialsInstagram https://www.instagram.com/the.moneymatrimony/Facebook https://www.facebook.com/themoneymatrimonyLinkedin https://www.linkedin.com/company/the-money-matrimonyDisclaimerPlease note that nothing in this podcast should ever be considered personal financial advice. For advice specific to your situation & needs, we encourage you to speak to a finance professional. The information provided in this podcast, Money Matrimony, is for entertainment and informational purposes only. Whilst we are passionate about personal finance and share our experiences, opinions, and insights, it should not be construed as financial advice.Listeners are encouraged to seek the advice of a qualified financial advisor or professional before making any financial decision. Every individual and couple's financial situation is unique, and what works for one may not be suitable for another.The opinions expressed by the hosts and any guests on the show are their own and do not necessarily reflect the views of any organizations or institutions they may be affiliated with.Money Matrimony does not guarantee the accuracy, completeness, or reliability of any information shared on the podcast. Listeners should conduct their own research and exercise their own judgment when making financial decisions.By listening to Money Matrimony, you agree that the hosts, guests, and producers of the podcast are not liable for any financial losses or damages that may result from actions taken based on the information provided in the podcast.