Finances are often a source of contention for married couples, but getting married can actually save money in the long run. There’s no more throwing away countless dollars on failed first dates, paying for things individually, and two incomes allow for much more leeway when it comes to making major purchases. Living a marriage that focuses on frugality is not only possible, it can also be very beneficial towards achieving a couple’s ultimate dreams of retirement down the road.

On the Same Page

The first, and perhaps most important step in living a frugal marriage is ensuring that each partner is on the same page when it comes to finances. Discussing financial goals prior to getting married is ideal, since this could avoid potential conflicts down the road. Sitting down and discussing what each partner wants out of life, like where they want to live, what type of lifestyle they desire, and when they hope to retire, is a great first step towards saving money and living happily ever after.


When a couple gets married, everything becomes combined: assets, debts, physical belongings, etc. Some couples choose to maintain separate bank accounts, while others decide to combine their incomes into a joint bank account. Joint bank accounts are beneficial because they keep the lines of communication open when it comes to finances. It also makes major purchases like buying a home or car easier.

How to Save

There are so many ways to be frugal during a marriage. Date nights no longer have to consist of expensive bar purchases, but rather can be kept within budget by cooking dinner at home and watching a romantic movie on the couch. Since married couples generally live together, they are saving even more by not having two mortgage or rent payments. Couples can be even more frugal by sharing a car, bed, and other belongings.

A Lifelong Adventure

Frugality can be fun if a couple turns it into an adventure and remains focused on their ultimate financial goals. Setting goals together, such as going on a tropical vacation, building a house, or retiring early can make clipping coupons and other mundane money-saving tasks a little easier. Teamwork is key to a happy, frugal marriage.