Sharing your money goals and attitudes

Before you talk to others, take time to understand your own relationship with money. This will help you feel more confident in conversations.

• Think about what you want to achieve and how much it might cost.
• Use our How to set a savings goal guide to get started.
• Make a budget to track what you earn and spend. Try our free and easy-to-use Budget planner.

If you're struggling with debt, reaching out for support shows real strength - and there’s help available.

Start small – even simple changes can make a real difference to your financial situation. Celebrate each step you take along the way.

Look for opportunities to save or manage your money better with our Managing your money guide.

If you're thinking about retirement, explore our Pensions and retirement section for helpful information. 

Research shows that sharing your financial goals increases your chances of achieving them. It also creates opportunities for mutual support and more open money conversations.

Many people find money conversations challenging at first. You might worry about saying the wrong thing or being judged, but these feelings are completely normal.

Consider starting by talking to a professional. Our trained team can support you with budgeting, debt advice, and pension planning. Find out more on our Contact us page.

When you’re ready, you don't need to share everything. Just sharing just one small goal with someone you trust can make all the difference. They might want to do the same, creating mutual support for both your journeys.

These conversation starters can help you understand each other's money attitudes and goals:

• What are you hoping to achieve financially in the next year? In five years?
• What would reaching your money goals mean to you?
• What's one small step you could take this month towards a financial goal?

• How can we support each other's financial goals?
• What money conversations would be helpful for us to have?
• You don't need to discuss everything at once. Save some questions for future conversations as your comfort with money discussions grows.

• How did your family handle money when you were growing up?
• How do you prefer to make money decisions?
• On a scale of 1-10, how comfortable are you managing money day-to-day?
• Do you like to research purchases or decide quickly?

Download our free guide How to talk about moneyOpens in a new window (PDF/A, 8.2MB) 

It includes tips on:

•  how to start a conversation
• what to do if you think the conversation might be difficult, and
•  how to deal with negative reactions.