5 Tips for Couples Moving in Together

Tiana Soto
November 5th, 2019 | 3 minutes 30 seconds
5 Tips for Couples Moving in Together
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Moving in with your significant other is an exciting moment as a couple! In addition to sharing a home, moving in together also marks the financial commitment you’re making to each other. In particular, you’ll find that much of your spending will move from personal expenses towards more shared expenses - ie. expenses you have together.

To help you prepare and win at love and money, here are 5 tips for couples moving in together:

1. Start Building a Budget

Now that you and your partner are spending money together, building a budget will help reduce overspending, avoid money arguments, and start planning for the future. You can start by tracking your monthly income and expenses with a budgeting app made for just for couples, like Zeta, or use a spreadsheet.

After getting a feel for what your spending habits are together, set some shared budgets for different categories, like groceries or eating out. Check up on your budget every week or every month to gauge if it’s a good fit or needs adjustment. There’s honestly no better feeling than being on the same page about your money!

2. Learn Each Other’s Money Personalities

You’ve probably heard of the five love languages – but did you know that there are different money languages as well? Some people love to spend, others prioritize saving for emergencies, while some will fall somewhere in the middle. Knowing each of your money personalities can make talking about and managing your finances together less stressful.

We made a quick quiz to help identify you and your partner’s money personality. In less than ten minutes, you’ll learn whether you’re a Goal Digger, Money Saint, or perhaps a YOLO Artist. Taking the quiz with your partner can be a great jumping-off point for the financial discussions that come with moving in together.

3. Consider Opening a Joint Credit Card Together

Another way to split and manage shared expenses together is using a joint credit card. Instead of opting for a joint account, using a joint credit card on the expenses you share, like groceries or date nights, allows you to reduce the back and forth Venmo requests!

Don’t forget that many credit card providers offer rewards programs that allow you to earn “points”. We’ve loved hearing stories of couples who’ve accumulated their shared points to later go on adventures together.

4. Share Your Credit Scores

Since you’ll be submitting applications to places to buy or rent together, being aware of each other’s credit scores is helpful! Your credit scores will impact your ability to rent or purchase a home and the last thing you want is to be blind-sided by either of your scores. It may seem scary to share such intimate information with your partner, but moving in together shifts this type of info firmly into the “need to know” column.

Want to make the “big conversation” a little less scary? Take your partner on a money date! Break out the candles, split a favorite meal, and get those financial truths flowing.

5. Consider Opening a Joint Account

Opening a joint bank account is a big step, but it can make the transition from living alone to living as a couple smoother. With a joint account, bills such as water and electricity (and stuff like Netflix) can be paid out of one account rather than figuring out how to split each bill.

Keep in mind that a joint account doesn’t mean you suddenly need to combine all your finances. You can both have your individual accounts while also starting a shared one for bills and other expenses.

Make the Move with Zeta

With the help of the Zeta app, managing your shared expenses with your new roomy can be simple! Have complete visibility into both your personal and shared finances, track your spending, and notate any split expenses all in one easy-to-access spot. If you’re interested in opening a joint account with your partner, Zeta can help in that department too!


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The Zeta Joint Card and Joint Account is offered by Radius Bank, Member FDIC. Zeta Help Inc. is a service provider of the issuing bank. All deposit accounts of the same ownership and/or vesting held at the issuing bank are combined and insured under an FDIC Certificate, up to $500,000. The Zeta Joint Debit Card, provided by MasterCard, may be used everywhere where MasterCard Debit Cards are accepted.