5 Topics You Need To Discuss Before Living Together

Feb 08, 2022 Family & Finances

Ready to move in with your significant other? Be sure to cover these topics beforehand to set yourself up for success.

A man kissing a woman on the forehead.

Love is in the air and maybe you’re starting to consider moving in together. Living with your significant other has its obvious perks: cutting the commutes, spending more time together, and sharing some expenses.

Before moving forward, you’ll want to be sure you’re both on the same page. Discussing money isn’t easy but it’s necessary for open communication. Be sure to talk it out before taking the leap.


Housing is only one household expense. There’s also utilities, internet, groceries, and more. Have a discussion on what each of you can afford and how you will divide the costs. Will you split costs in half or will one person contribute more? Different incomes mean different spending power. Decide what works for the two of you to avoid resentment later on.


Living together requires commitment. Take equal responsibility for your lease or housing arrangement by including both names on your contract.

You should also decide whose name will go on what bills. Start thinking of who will be responsible for ensuring payments are made, chores are done, and so on. It’s never too early to establish guidelines.


To help with taking equal responsibility, consider establishing a joint account for shared expenses. This way you avoid having to keep track of who owes who. Don’t worry about combining everything else though. Continue to enjoy having control of your own money and keep debt separate. Take one step at a time in case things don’t go as planned.


Avoid disagreements by creating a joint spending plan for shared expenses. Create a budget and think of what you’re willing to spend on what.

In addition, you should each make it a point to incorporate saving into your plan. Aim to establish an emergency fund for unforeseen situations. If one person’s income changes, how will you manage to pay all of the bills?


Make it a point to discuss your personal and financial goals. Each of you should understand what the other is working towards. If there are common goals, such as saving for a home or a wedding, create a plan that both can agree on.

If something changes or is bothering you, talk to your partner. Have an open mind and be willing to compromise.

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