Love is priceless, but life isn’t! Whether you’re just dating, engaged, or married, managing money as a couple can be challenging. The good news? You don’t need to spend a fortune to keep the romance alive.
In this detailed guide, we’ll share practical, easy-to-follow money-saving tips for couples. From budgeting hacks to cheap date ideas, we’ll help you save money, reduce stress, and strengthen your relationship.
Also Read: Speedy Supper Solutions: 30-Minute Meals for Hectic Evenings
Why This Matters:
- 💰 Financial stress is a leading cause of relationship problems (source: Relate UK)
- 🏡 Couples who budget together are more likely to reach big goals (like buying a home)
- ❤️ Romance doesn’t have to be expensive—creativity matters more than cost!
Smart Money-Saving Tips for Couples
Let’s dive in!
1. Why Couples Should Save Money Together
The Benefits of Financial Teamwork
Working together on finances helps:
✔ Avoid money-related arguments (a top reason for breakups)
✔ Achieve shared dreams faster (holidays, homes, weddings)
✔ Build trust and transparency in your relationship
Did You Know?
- 35% of UK couples argue about money at least once a month (Money & Mental Health Policy Institute)
- Couples who discuss finances weekly are happier in their relationships (YouGov Survey)
2. How to Set Financial Goals as a Couple
Step 1: Have an Open Money Talk
Before saving, discuss:
- Short-term goals (e.g., a weekend getaway)
- Long-term goals (e.g., buying a house, retirement)
- Spending habits (are you a saver or spender?)
Pro Tip: Use the “SMART” goal method (Specific, Measurable, Achievable, Relevant, Time-bound).
Step 2: Track Your Spending
- Use free budgeting apps like:
- Money Dashboard (automates spending tracking)
- Snoop (finds savings on bills)
- Review bank statements together monthly
Step 3: Create a Joint Savings Plan
Example:
| Goal | Target Amount | Monthly Savings | Timeline |
| Holiday | £1,200 | £100 | 1 year |
| Emergency Fund | £3,000 | £250 | 1 year |
Need inspiration? Check MoneySavingExpert’s Savings Challenges
3. Budgeting for Couples: A Step-by-Step Guide
How to Split Expenses Fairly
Option 1: 50/50 Split (equal contribution)
Option 2: Proportional Split (based on income)
Example:
- Partner A earns £2,500/month
- Partner B earns £1,500/month
- Total household income = £4,000
- Partner A pays 62.5% of shared bills
- Partner B pays 37.5%
Calculator Tool: Splitwise (for fair bill splitting)
Also Read: Quick & Easy: How to Design Your Ideal Life in 15 Minutes
Best Budgeting Methods for Couples
- The 50/30/20 Rule
- 50% on needs (rent, bills, food)
- 30% on wants (dates, hobbies)
- 20% on savings/debt repayment
- Zero-Based Budgeting
- Every pound has a job (no unplanned spending)
- Try YNAB (You Need A Budget)
- Cash Envelope System
- Use physical envelopes for groceries, fun money, etc.
- Helps control overspending
4. 25+ Cheap & Romantic Date Ideas
At-Home Date Nights (Under £10)
🎬 DIY Cinema Night – Netflix + homemade popcorn (£3)
🍷 Wine & Paint Night – Cheap canvases + £5 wine
🍳 Cook-Off Challenge – Pick random ingredients and compete!
Outdoor Dates (Free or Cheap)
🌳 Park Picnic – Blanket + sandwiches (£5)
🚶 Scavenger Hunt – Create clues around your town
🌄 Sunrise/Sunset Walk – Romantic & free!
Frugal Fancy Dates
🍽 Lunch Instead of Dinner – Same restaurant, 50% cheaper
🎟 Theatre Rush Tickets – Last-minute discounts (TodayTix)
🛒 Supermarket Taste Test – Blindfolded cheap vs. luxury food!
More Ideas: Money Saving Expert’s Cheap Dates
Also Read: How to Become a Morning Person: A Step-by-Step Guide
5. How to Save on Food & Groceries
Meal Planning Tips
- Plan 3-4 weekly meals (reduces waste)
- Batch cook & freeze leftovers
- Use supermarket loyalty cards (Tesco Clubcard, Nectar)
Best Discount Food Apps
- Too Good To Go – Surprise bags from restaurants (£3-£5)
- Olio – Free leftover food from neighbours
- Approved Food – Discounted near-expiry items
Cheap Recipe Ideas
- £1 Meals (e.g., lentil soup, pasta bake)
- Meat-Free Mondays (vegetarian meals are cheaper)
6. Cutting Household Bills (Save £100s/Year)
Energy Bills
- Switch providers via Uswitch
- Use heating timers (saves £75/year)
Mobile & Internet
- SIM-only deals (from £5/month) – Compare at Moneysupermarket
- Haggle with providers (say you’re leaving!)
Insurance & Subscriptions
- Cancel unused memberships (check SubscriptMe)
- Share Netflix/Spotify with family
Also Read: 10 Low-Energy Hobbies to Try Instead of Scrolling Social Media
7. Travel & Holidays on a Budget
Cheap UK Getaways
- National Trust stays (discounts for members)
- Last-minute cottage deals (HolidayPirates)
International Travel Hacks
- Fly mid-week (cheaper) – Skyscanner
- Stay in hostels/guesthouses – Hostelworld
8. Side Hustles for Couples
Make extra cash together:
- Sell old clothes on Vinted
- Rent out your parking space JustPark
- Freelance as a duo (e.g., photography, writing)
9. Avoiding Debt & Money Fights
Red Flags to Watch For
- Hiding purchases
- Living on credit cards
- No emergency savings
Free Debt Help: StepChange
10. Keeping the Romance Alive (For Free!)
- Handwritten love notes
- At-home spa nights
- Dancing in the kitchen
Final Thoughts
Saving money as a couple strengthens your bond and secures your future. Start small, celebrate wins, and keep communicating!
What’s your best money-saving tip? Share below!
More Resources:
💖 Happy Saving! 💖
FAQs: Love on a Budget – Money Saving Tips for Couples!
1. How can couples start saving money together without fighting?
Answer: The key is open communication. Start with a relaxed money chat—no blaming, just sharing goals. Use tools like Splitwise to track shared expenses fairly. Agree on a budgeting method (like the 50/30/20 rule) and review it monthly. Small steps prevent big arguments!
2. What’s the best way to split bills if one partner earns more?
Answer: A proportional split is fairest. For example:
- If Partner A earns £3,000 and Partner B earns £2,000, split bills 60/40.
- Use apps like Monzo Shared Pots for automated splits.
Alternative: The higher earner could cover rent, while the other handles groceries.
3. How can we enjoy date nights without spending much?
Answer: Focus on experiences over spending:
✅ Free: Hiking, museum free-entry days, stargazing.
✅ Under £10: Board game cafes, DIY pizza nights, charity shop treasure hunts.
✅ Romantic: Write each other “love letters” or recreate your first date at home.
More ideas: National Trust Free Days
4. What’s the #1 budgeting mistake couples make?
Answer: Not tracking small purchases (coffees, takeaways, subscriptions). These “£5 leaks” add up to £100s/year. Fix it by:
- Using cash envelopes for fun money.
- Checking Bank statements for waste.
5. How do we save for a wedding/house while still having fun?
Answer: Try the “80/20 Rule”:
- 80% of income covers needs/savings.
- 20% is guilt-free fun money.
Example: Save £500/month? Set aside £100 for “mini-dates” to stay motivated.
Tool: Wedding Budget Planner
6. Should couples have joint accounts?
Answer: It depends!
✔ Pros: Simpler for shared bills, builds trust.
✖ Cons: Risk of overspending if not aligned.
Hybrid Approach: Keep personal accounts + one joint account for bills. Banks like Starling offer great joint accounts.
7. How can we reduce grocery bills without eating poorly?
Answer: Smart shopping habits:
- Meal plan around cheap staples (rice, beans, seasonal veg).
- Use reduced sections (30 mins before closing = biggest markdowns!).
- Try “yellow sticker” apps like Too Good To Go.
Recipe Idea: £1 Meal Plans
8. What’s the best way to handle debt as a couple?
Answer:
- List all debts (cards, loans) + interest rates.
- Attack the highest-interest debt first (avalanche method).
- Consider balance-transfer cards (0% interest for 12+ months).
Free Help: StepChange Debt Charity
9. How can we travel cheaply as a couple?
Answer: Hacks for big savings:
- Book flights incognito (prices rise if you search repeatedly!).
- Stay in “home exchanges” (free lodging via Love Home Swap).
- Travel off-season (e.g., Europe in October = 50% cheaper!).
10. How do we stay motivated to save long-term?
Answer: Celebrate milestones!
- Saved £1,000? Have a “frugal fancy” dinner (candlelit home-cooked meal).
Reached 50% of your goal? Plan a budget-friendly weekend away.
Pro Tip: Visualise goals with a Vision Board (e.g., pics of your dream home).
Cheap & Romantic
Do you find yourself spending hours scrolling through social media, only to feel tired and unproductive afterward? You’re not alone. Many of us fall into the trap of endless scrolling, but there’s a better way to spend your free time. Low-energy hobbies are perfect for relaxing, recharging, and doing something meaningful without draining your energy.
In this article, we’ll explore 10 low-energy hobbies that are easy to start, fun to do, and much better for your mental health than scrolling social media. Let’s dive in!
Also Read: Love What You Have, Before Life Teaches You to Love
10 Low-Energy Hobbies to Try
These are the 10 low-energy habits you can try:
1. Reading a Good Book
Reading is one of the best low-energy hobbies. It’s relaxing, engaging, and a great way to escape into another world.
Why Try It?
- Improves focus and reduces stress.
- Expands your knowledge and imagination.
- Doesn’t require much physical effort.
How to Start
- Choose a book that interests you. It could be fiction, non-fiction, or even a graphic novel.
- Create a cosy reading nook with a comfortable chair and good lighting.
- Set aside 20-30 minutes a day to read.
Recommended Resources
- Find free e-books on Project Gutenberg.
- Join a local book club or online community like Goodreads.
2. Journaling
Journaling is a wonderful way to express your thoughts, reflect on your day, and practice gratitude.
Why Try It?
- Helps clear your mind and reduce anxiety.
- Improves self-awareness and emotional well-being.
- Requires only a notebook and pen.
How to Start
- Start with a simple prompt like “What am I grateful for today?” or “How do I feel right now?”
- Write for 5-10 minutes daily. There’s no right or wrong way to journal.
Recommended Resources
- Check out Bullet Journal for creative journaling ideas.
3. Adult Colouring
Adult colouring books are a fun and creative way to relax. They’re perfect for unwinding after a long day.
Why Try It?
- Reduces stress and improves focus.
- No artistic skills required.
- A great alternative to screen time.
How to Start
- Buy an adult colouring book or print free pages online.
- Use coloured pencils, markers, or crayons.
- Set aside 15-20 minutes to colour.
Recommended Resources
- Download free colouring pages from Just Color.
4. Listening to Podcasts or Audiobooks
If you’re too tired to read or watch something, listening to podcasts or audiobooks is a great option.
Why Try It?
- Learn something new or enjoy a good story.
- Perfect for multitasking (e.g., while cooking or walking).
- Easy on the eyes compared to screens.
How to Start
- Choose a topic you’re interested in, like true crime, self-improvement, or comedy.
- Use apps like Spotify or Audible to find content.
Also Read: 30 Day Song Challenge: Everything You Need to Know to Enjoy the Experience
Recommended Podcasts
- “The Daily” for news.
- “Stuff You Should Know” for fun facts.
- “The Happiness Lab” for mental health tips.
5. Gardening (Indoor or Outdoor)
Gardening is a calming hobby that connects you with nature.
Why Try It?
- Reduces stress and improves mood.
- Gives you a sense of accomplishment.
- Doesn’t require a lot of energy or space.
How to Start
- Start with easy-to-grow plants like succulents or herbs.
- If you don’t have outdoor space, try indoor gardening with pots.
Recommended Resources
- Learn more at Royal Horticultural Society.
6. Puzzle Solving
Puzzles, like crosswords, Sudoku, or jigsaw puzzles, are great for keeping your mind active without much physical effort.
Why Try It?
- Improves problem-solving skills.
- Keeps your brain sharp.
- A fun way to pass the time.
How to Start
- Buy a puzzle book or download a puzzle app.
- Start with easy puzzles and gradually try harder ones.
Recommended Resources
- Try the “Sudoku” or “Crossword” apps.
7. Knitting or Crocheting
Knitting and crocheting are relaxing hobbies that also produce something useful.
Why Try It?
- Reduces stress and improves focus.
- You can make scarves, blankets, or gifts.
- Portable and easy to do while watching TV.
How to Start
- Buy a beginner’s kit with yarn and needles.
- Follow online tutorials to learn basic stitches.
Recommended Resources
- Learn from YouTube tutorials or visit Ravelry for patterns.
8. Meditation and Mindfulness
Meditation is a simple yet powerful way to relax and recharge.
Why Try It?
- Reduces stress and anxiety.
- Improves focus and emotional well-being.
- Requires no equipment or special skills.
How to Start
- Find a quiet space and sit comfortably.
- Use guided meditation apps like Calm or Headspace.
Recommended Resources
- Try Headspace for beginner-friendly meditations.
9. Learning a New Language
Learning a new language is a low-energy hobby that’s both fun and rewarding.
Why Try It?
- Boosts brain power and memory.
- Opens up new cultural experiences.
- Can be done at your own pace.
How to Start
- Use apps like Duolingo or Babbel.
- Practice for 10-15 minutes daily.
Recommended Resources
- Download Duolingo for free language lessons.
10. Watching Documentaries
If you enjoy watching videos, switch from social media to educational documentaries.
Why Try It?
- Learn something new and interesting.
- Less mindless than scrolling social media.
- Great for relaxing on the couch.
How to Start
- Choose a topic you’re curious about, like nature, history, or science.
- Use platforms like Netflix, BBC iPlayer, or YouTube.
Recommended Documentaries
- “Planet Earth” for nature lovers.
- “The Social Dilemma” for tech enthusiasts.
- “13th” for history buffs.
Why Low-Energy Hobbies Are Better Than Scrolling Social Media
Scrolling social media can leave you feeling drained and unproductive. Low-energy hobbies, on the other hand, help you:
- Relax and recharge.
- Learn new skills.
- Feel a sense of accomplishment.
- Reduce screen time and improve mental health.
Tips for Starting a New Hobby
- Start Small: Spend 10-15 minutes a day on your new hobby.
- Be Consistent: Make it a regular part of your routine.
- Have Fun: Choose something you genuinely enjoy.
- Track Progress: Keep a journal or take photos to see how far you’ve come.
Final Thoughts
Replacing social media scrolling with low-energy hobbies can transform your free time. Whether it’s reading, journaling, or gardening, these activities are not only relaxing but also rewarding. So, pick a hobby from this list and give it a try today!
For more inspiration, check out these resources:
- Mindful for mindfulness tips.
- Creative Bloq for creative hobby ideas.
Happy hobbying! 🌟
FAQ Section: 10 Low-Energy Hobbies to Try Instead of Scrolling Social Media
Switching from endless social media scrolling to low-energy hobbies can be life-changing, but you might have some questions before getting started. Here are 10 frequently asked questions about low-energy hobbies, with detailed answers to help you make the most of your new pastime.
1. What are low-energy hobbies?
Low-energy hobbies are activities that require minimal physical or mental effort, making them perfect for relaxing and recharging. These hobbies are ideal for when you’re tired, stressed, or just want to unwind without draining your energy. Examples include reading, journaling, colouring, and listening to podcasts.
2. Why should I replace social media scrolling with low-energy hobbies?
Scrolling social media can leave you feeling drained, anxious, and unproductive. Low-energy hobbies, on the other hand, help you relax, improve your mental health, and give you a sense of accomplishment. They’re a healthier and more fulfilling way to spend your free time.
3. How do I choose the right low-energy hobby for me?
Think about what you enjoy and what helps you relax. For example:
- If you love stories, try reading or listening to audiobooks.
- If you’re creative, try colouring or knitting.
- If you want to learn something new, try puzzles or language apps.
Start with something simple and see how it feels.
4. Do low-energy hobbies cost a lot of money?
Not at all! Many low-energy hobbies are affordable or even free. For example:
- Reading: Borrow books from a library or use free e-books.
- Journaling: All you need is a notebook and pen.
- Podcasts and audiobooks: Many are free on platforms like Spotify or YouTube.
5. Can low-energy hobbies improve my mental health?
Yes, absolutely! Low-energy hobbies like journaling, meditation, and gardening are known to reduce stress, improve focus, and boost mood. They provide a break from screens and help you connect with yourself and the world around you.
6. What if I don’t have much time for hobbies?
Even 10-15 minutes a day can make a difference. For example:
- Read a few pages of a book before bed.
- Spend 10 minutes colouring or journaling.
- Listen to a podcast while commuting or doing chores.
The key is consistency, not the amount of time.
7. Are low-energy hobbies suitable for everyone?
Yes! Low-energy hobbies are versatile and can be adapted to suit different interests, ages, and energy levels. Whether you’re a busy parent, a student, or a retiree, there’s a low-energy hobby for you.
8. How do I stay motivated to keep up with a new hobby?
Here are some tips:
- Set small goals: For example, read one chapter a day or complete a colouring page.
- Track your progress: Use a journal or app to see how far you’ve come.
- Make it enjoyable: Choose hobbies you genuinely love, not just what’s popular.
- Join a community: Share your hobby with friends or join online groups for support.
9. Can I combine low-energy hobbies with other activities?
Absolutely! Many low-energy hobbies can be done while multitasking. For example:
- Listen to audiobooks or podcasts while cooking, walking, or commuting.
- Knit or crochet while watching TV.
- Do puzzles or colour while listening to music.
10. What if I get bored of my hobby?
It’s normal to lose interest in a hobby over time. If that happens, try something new! The beauty of low-energy hobbies is that there are so many to choose from. You can always switch between hobbies or combine them to keep things fresh and exciting.
