Blog — couple money, bills, and trust | plan/ria

Finances in the era of AI

How artificial intelligence is reshaping the way couples manage money together

Why Every Couples Finance App Has Failed (and What Needs to Change)

Zeta, Honeydue, Honeyfi, Plenty. Why millions in funding couldn't save couples finance apps. What the next generation needs to learn.

Cost of living tips for couples in the UK: save money without constant arguments

Straightforward cost of living tips for UK couples to reduce monthly pressure: trim household spending, protect essentials, and agree practical money rules that support both partners.

Cost of living in the UK: a practical budget guide for couples

Feeling pressure from the UK cost of living? This practical guide helps couples build a shared budget, split costs fairly when incomes differ, and cut household expenses without turning every money conversation into an argument.

Why Every Couples Finance App Has Failed (and What Needs to Change)

Zeta, Honeydue, Honeyfi, Plenty. Why millions in funding couldn't save couples finance apps. What the next generation needs to learn.

What Is a Joint Bank Account? When Should Couples Get One?

A joint bank account lets you and your partner share one account and both pay in and withdraw. Here’s how they work in the UK, when they make sense for couples, and what to consider before opening one.

How to Split Bills Fairly When One Earns More

When one partner earns more, splitting bills 50/50 can feel unfair. Here's how to split bills fairly as a couple—whether you choose equal or proportional—and how to have the conversation without damaging your relationship.

UK Budget Planner for Couples: how to build a cost-of-living plan that works

A practical UK budget planner for couples: map essential costs, split bills fairly, and set monthly limits you can actually stick to while managing cost-of-living pressure together.

Cost of living tips for couples in the UK: save money without constant arguments

Straightforward cost of living tips for UK couples to reduce monthly pressure: trim household spending, protect essentials, and agree practical money rules that support both partners.

Cost of living in the UK: a practical budget guide for couples

Feeling pressure from the UK cost of living? This practical guide helps couples build a shared budget, split costs fairly when incomes differ, and cut household expenses without turning every money conversation into an argument.

Financial checklist for newlyweds: what to do in your first year

A practical financial checklist for newlyweds: what to do in your first year after marriage—accounts, bills, protection (wills, postnup), and shared goals. UK-focused and step-by-step.

What Is a Cohabitation Agreement? When to Get One and What to Include

A cohabitation agreement is a legal document for unmarried couples living together. Here's what it is, what it covers, when to get one in the UK, and how to create one.

What Is a Cohabitation Agreement? When to Get One and What to Include

A cohabitation agreement is a legal document for unmarried couples living together. Here's what it is, what it covers, when to get one in the UK, and how to create one.

Common-Law Marriage: What UK Law Does Not Protect

Discover the financial gaps facing UK cohabiting couples. We explore the common law marriage myth and practical steps to protect yourselves.

Common-Law Marriage: What UK Law Does Not Protect

Discover the financial gaps facing UK cohabiting couples. We explore the common law marriage myth and practical steps to protect yourselves.

Cost of living in the UK: a practical budget guide for couples

Feeling pressure from the UK cost of living? This practical guide helps couples build a shared budget, split costs fairly when incomes differ, and cut household expenses without turning every money conversation into an argument.

UK Budget Planner for Couples: how to build a cost-of-living plan that works

A practical UK budget planner for couples: map essential costs, split bills fairly, and set monthly limits you can actually stick to while managing cost-of-living pressure together.

Cost of living tips for couples in the UK: save money without constant arguments

Straightforward cost of living tips for UK couples to reduce monthly pressure: trim household spending, protect essentials, and agree practical money rules that support both partners.

Moving In Together: The Financial Checklist for UK Couples

Cost of living tips for couples in the UK: save money without constant arguments

Straightforward cost of living tips for UK couples to reduce monthly pressure: trim household spending, protect essentials, and agree practical money rules that support both partners.

Couples budgeting UK: a step-by-step guide to managing shared money

A step-by-step couples budgeting UK guide covering monthly planning, fair bill splits, and practical cost-saving decisions to help partners stay aligned under cost-of-living pressure.

Couples budgeting UK: a step-by-step guide to managing shared money

A step-by-step couples budgeting UK guide covering monthly planning, fair bill splits, and practical cost-saving decisions to help partners stay aligned under cost-of-living pressure.

Why Every Couples Finance App Has Failed (and What Needs to Change)

Zeta, Honeydue, Honeyfi, Plenty. Why millions in funding couldn't save couples finance apps. What the next generation needs to learn.

Paying off debt as a couple: how to tackle it fairly (UK)

How to pay off debt as a couple in the UK: agree who pays what, whether to prioritise debt over other goals, and how to contribute fairly. UK debt solutions, breathing space, and free advice—without shame.

How to talk to your partner about debt

The conversation you're dreading could actually strengthen your relationship.

Building an emergency fund as a couple: how much and where to hold it (UK)

How to build an emergency fund as a couple in the UK: agree how much to save (e.g. 3–6 months of essential outgoings), where to hold it (easy-access, FSCS-protected), and how to contribute fairly. Joint vs separate pots and practical steps.

Paying off debt as a couple: how to tackle it fairly (UK)

How to pay off debt as a couple in the UK: agree who pays what, whether to prioritise debt over other goals, and how to contribute fairly. UK debt solutions, breathing space, and free advice—without shame.

How to set financial goals as a couple: UK guide

How to set financial goals as a couple in the UK: agree on shared goals (emergency fund, retirement, holidays), prioritise together, and track and review when life changes. Practical steps and no single "right" order—only what works for you both.

What Is Financial Infidelity? Signs, Impact, and How to Address It

Financial infidelity is money-related secrecy or deception in a relationship—hidden accounts, secret spending, or lying about debt. Here’s what it is, common signs, why it happens, and how to address it with your partner.

Cost of living tips for couples in the UK: save money without constant arguments

Straightforward cost of living tips for UK couples to reduce monthly pressure: trim household spending, protect essentials, and agree practical money rules that support both partners.

Cost of living in the UK: a practical budget guide for couples

Feeling pressure from the UK cost of living? This practical guide helps couples build a shared budget, split costs fairly when incomes differ, and cut household expenses without turning every money conversation into an argument.

Moving In Together: The Financial Checklist for UK Couples

What Is a Prenuptial Agreement? A UK Guide for Couples

A prenuptial agreement sets out how assets would be divided if you divorce. Here's what a prenup is in the UK, when it makes sense, what you can include, and how to get one.

What Is a Cohabitation Agreement? When to Get One and What to Include

A cohabitation agreement is a legal document for unmarried couples living together. Here's what it is, what it covers, when to get one in the UK, and how to create one.

Common-Law Marriage: What UK Law Does Not Protect

Discover the financial gaps facing UK cohabiting couples. We explore the common law marriage myth and practical steps to protect yourselves.

Common-Law Marriage: What UK Law Does Not Protect

Discover the financial gaps facing UK cohabiting couples. We explore the common law marriage myth and practical steps to protect yourselves.

Our Manifesto: Why Trust Matters

Our manifesto for the future of financial relationships

Saving for a house deposit as a couple: how to do it fairly (UK)

How to save for a house deposit as a couple in the UK: agree contributions fairly (50/50 or proportional), choose where to hold the money, and use options like the Lifetime ISA. Practical steps and no single "right" answer—only what works for you both.

Saving for a house deposit as a couple: how to do it fairly (UK)

How to save for a house deposit as a couple in the UK: agree contributions fairly (50/50 or proportional), choose where to hold the money, and use options like the Lifetime ISA. Practical steps and no single "right" answer—only what works for you both.

Cost of living in the UK: a practical budget guide for couples

Feeling pressure from the UK cost of living? This practical guide helps couples build a shared budget, split costs fairly when incomes differ, and cut household expenses without turning every money conversation into an argument.

Cost of living in the UK: a practical budget guide for couples

Feeling pressure from the UK cost of living? This practical guide helps couples build a shared budget, split costs fairly when incomes differ, and cut household expenses without turning every money conversation into an argument.

What Is a Joint Bank Account? When Should Couples Get One?

A joint bank account lets you and your partner share one account and both pay in and withdraw. Here’s how they work in the UK, when they make sense for couples, and what to consider before opening one.

What Is a Prenuptial Agreement? A UK Guide for Couples

A prenuptial agreement sets out how assets would be divided if you divorce. Here's what a prenup is in the UK, when it makes sense, what you can include, and how to get one.

What Is a Cohabitation Agreement? When to Get One and What to Include

A cohabitation agreement is a legal document for unmarried couples living together. Here's what it is, what it covers, when to get one in the UK, and how to create one.

Our Manifesto: Why Trust Matters

Our manifesto for the future of financial relationships

What Is a Prenuptial Agreement? A UK Guide for Couples

A prenuptial agreement sets out how assets would be divided if you divorce. Here's what a prenup is in the UK, when it makes sense, what you can include, and how to get one.

Financial checklist for newlyweds: what to do in your first year

A practical financial checklist for newlyweds: what to do in your first year after marriage—accounts, bills, protection (wills, postnup), and shared goals. UK-focused and step-by-step.

How to Merge Finances When You Get Married

A practical guide to merging finances when you get married: what "merging" can mean, when to do it, your options (full joint, bills-only, or coordinated separate), and practical steps for UK couples.

How to talk about money without damaging your relationship

This is the conversation most couples avoid until it becomes a crisis. Don't let it happen to you. Here are some steps to help you navigate this conversation.

How to talk to your partner about debt

The conversation you're dreading could actually strengthen your relationship.

What Is Financial Infidelity? Signs, Impact, and How to Address It

Financial infidelity is money-related secrecy or deception in a relationship—hidden accounts, secret spending, or lying about debt. Here’s what it is, common signs, why it happens, and how to address it with your partner.

Moving In Together: The Financial Checklist for UK Couples

Financial checklist for newlyweds: what to do in your first year

A practical financial checklist for newlyweds: what to do in your first year after marriage—accounts, bills, protection (wills, postnup), and shared goals. UK-focused and step-by-step.

Saving for retirement as a couple: how to plan together (UK)

How to save for retirement as a couple in the UK: align on workplace pensions, personal pensions, and ISAs; agree how much each of you saves and how to track and review together without merging pots. UK-focused and practical.

How to set financial goals as a couple: UK guide

How to set financial goals as a couple in the UK: agree on shared goals (emergency fund, retirement, holidays), prioritise together, and track and review when life changes. Practical steps and no single "right" order—only what works for you both.

Saving for retirement as a couple: how to plan together (UK)

How to save for retirement as a couple in the UK: align on workplace pensions, personal pensions, and ISAs; agree how much each of you saves and how to track and review together without merging pots. UK-focused and practical.

What Is a Prenuptial Agreement? A UK Guide for Couples

A prenuptial agreement sets out how assets would be divided if you divorce. Here's what a prenup is in the UK, when it makes sense, what you can include, and how to get one.

Our Manifesto: Why Trust Matters

Our manifesto for the future of financial relationships

How to Split Rent Fairly Between Partners

How to split rent fairly between partners

Saving for retirement as a couple: how to plan together (UK)

How to save for retirement as a couple in the UK: align on workplace pensions, personal pensions, and ISAs; agree how much each of you saves and how to track and review together without merging pots. UK-focused and practical.

Cost of living in the UK: a practical budget guide for couples

Feeling pressure from the UK cost of living? This practical guide helps couples build a shared budget, split costs fairly when incomes differ, and cut household expenses without turning every money conversation into an argument.

Building an emergency fund as a couple: how much and where to hold it (UK)

How to build an emergency fund as a couple in the UK: agree how much to save (e.g. 3–6 months of essential outgoings), where to hold it (easy-access, FSCS-protected), and how to contribute fairly. Joint vs separate pots and practical steps.

Cost of living tips for couples in the UK: save money without constant arguments

Straightforward cost of living tips for UK couples to reduce monthly pressure: trim household spending, protect essentials, and agree practical money rules that support both partners.

Couples budgeting UK: a step-by-step guide to managing shared money

A step-by-step couples budgeting UK guide covering monthly planning, fair bill splits, and practical cost-saving decisions to help partners stay aligned under cost-of-living pressure.

How to Split Bills Fairly When One Earns More

When one partner earns more, splitting bills 50/50 can feel unfair. Here's how to split bills fairly as a couple—whether you choose equal or proportional—and how to have the conversation without damaging your relationship.

How to talk about money without damaging your relationship

This is the conversation most couples avoid until it becomes a crisis. Don't let it happen to you. Here are some steps to help you navigate this conversation.

How to talk to your partner about debt

The conversation you're dreading could actually strengthen your relationship.

Finances in the era of AI

How artificial intelligence is reshaping the way couples manage money together

What Is Financial Infidelity? Signs, Impact, and How to Address It

Financial infidelity is money-related secrecy or deception in a relationship—hidden accounts, secret spending, or lying about debt. Here’s what it is, common signs, why it happens, and how to address it with your partner.

Our Manifesto: Why Trust Matters

Our manifesto for the future of financial relationships

When to update your will as a couple: UK guide

When to update (or make) your will as a couple in the UK: life events that trigger a review—marriage, children, property—and practical steps to get started. Get professional advice so you're both protected.