How to build a savings account when your spouse refuses to save any money

We all know that it’s important to have savings in case of emergencies. But, some people find it difficult to save money because they feel like their spouse is not on the same page. If you are the spouse of someone who refuses to save any money, then you need to take charge of your finances. One way to do this is by opening a savings account and starting to put away money.

How to encourage your spouse to save money

There are a few things you can do to make sure your spouse starts saving or at least contributes more financially. First, you should talk to them about why they’re refusing to save any money and figure out if there’s a specific problem that needs solving. Talk to your spouse about setting up a joint account with a bank or credit union.

Secondly, start small by opening only one checking account that is shared between both of you and putting all your savings into it. It will take time for the savings to add up, but eventually, you will have an account that is nearly completely yours when you are married, even though it may be smaller in size than what each one of you had before marriage.

You could try setting up a savings account with them so they can see the balance grow each month.

Third, you could offer to give them an allowance each month and then charge them for anything else they want or need (within reason). Fourth, you could offer to match any amount of money that your spouse saves in the first 3 months of their saving plan (up to $100).

read also: What is the truth about saving money that you may not know?

How to build a savings account when your spouse refuses to save any money.

It is very difficult to save money when you are married and your spouse refuses to contribute. This part will tell you how to build a savings account when your spouse refuses to save any money.

Tucking money away from purchases

To save money, you should tuck money away from each purchase without your spouse even noticing. A good way to save money is to put a certain amount of money away from each purchase. For example, if you buy a cup of coffee, put $0.25 in your savings account. If you buy lunch, put $1 in your savings account. This will ensure that you are saving without your spouse even noticing that you are doing so, and you will be able to save more and more money.

The best way to do this is by setting up a separate bank account for yourself. This way, you won’t have to worry about your spouse seeing what you’re doing. You will also be able to see how much money you are saving at any time without having to ask your spouse for the information.

Use cash envelopes to provide an allowance

The cash envelope system of budgeting is a way to provide an allowance to your spouse. This system works by giving your spouse a set amount of cash for the week, and then they are free to spend it on what they want. The only stipulation is that they have to put the money back in the envelope at the end of the week.

This system has many benefits, including:

• It provides a sense of autonomy and freedom

• It helps teach your spouse about budgeting and saving money

• It can help you get out of debt faster

• You have more control over how much money you give them.

Disallow direct access to accounts

A savings account is a bank account that is used to save money. A savings account typically pays a higher rate of interest than a checking account, but the funds cannot be accessed as easily.

There are many different things that you can do to help your spouse save money even when they don’t want to.

One way to help your spouse save money is to set up a savings account for them and allow them to have indirect access. This means that they cannot withdraw or deposit any funds into the account on their own, but they can use the account information and password to log in online and see how much money they have saved up.

Another way to help your spouse save money is by using apps that automatically transfer small amounts of money into their savings account each day or week.


In this article, we have discussed how to make saving work in a marriage. We have also talked about the different methods that can be used to save money even when your spouse doesn’t.

In conclusion, one of the most important things you can do is to find a way to make saving money enjoyable for your spouse. This can be done by setting up a savings account with your spouse and discussing what goals you want to achieve together.

Previous articleWho should inherit your wealth?
Next articleHow to raise financially responsible children