What To Do When Your Girlfriend Has No Savings

If your girlfriend has no savings then you have to do something about it if you are planning to stick to her. Her financial status and stability are very important for your relationship.

 

In this article, I will share with you several things to do that will make your girlfriend start saving money.

 

If she has no savings at all then she will start thinking of saving money so that she can be in a good spot.

 

Without further ado, let me share with you some of the things you can do to make your girlfriend start saving money.

 

What to do when your girlfriend has no savings;

1. Find out why your girlfriend has no savings.

If your girlfriend has no savings then you should find a way to fix this issue if you want to be financially independent in that relationship.

 

You might like this: How To Be Financially Independent In A Relationship

 

This is something very important for both of you especially if you are planning to settle down with her.

 

If she is someone you will be today and leave her the next day then don’t bother helping her with how she can manage her financial status.

 

For you to find a solution to this issue the first thing you have to do is to find out why your girlfriend has no savings in the first place.

 

This is what will give you a guideline on how you can help to start saving money.

 

Sit down with her and discuss the financial matters that you all care about.

 

Talk about what you were planning to buy or the vacation you were planning to go on.

 

This will make her open up and give you plans on what you should buy first or what you should do.

 

As you go on with this conversation then take your time to ask her why she has no savings.

 

Let her tell you some of the reasons why she doesn’t have any savings.

 

Take note of the reasons she tells you because you are going to use those reasons to help her start saving money.

 

2. Address to her the importance of having savings.

Your main aim is to help your girlfriend start saving money.

 

So, before you think of teaching her how to start saving money the first thing you should do is to let her know the importance of saving money.

 

Tell her why you think it’s important for her to save money and this will motivate her.

 

This will give her a reason to think of starting to save money.

 

The best way to go about this is to think of the things you all want to buy in the future that requires you to have a lot of money and let her know about them.

 

Give her facts that will open up her mind about saving money.

 

For instance, if you want to buy an apartment in future then you can use this to make her understand the importance of saving money.

 

You have to let her know that for you to buy an apartment you will need to have a certain amount of money.

 

For instance, you need five thousand dollars to buy an apartment in Los Angeles.

 

Let her know that it will be hard for you to buy your dream apartment if she won’t start saving money.

 

You have to be honest with her and show her the reality side of things.

 

Talk about the amount of money you earn and the bills you have to pay.

 

This will let her know that it will be hard for you to buy that house if she won’t start saving money with you.

 

Let her know that if you both start saving money then you can buy that apartment within a few years of commitment.

 

This is something that will show her the importance of saving money.

 

Even before you start teaching her how to save money she will have already known why she should start saving money.

 

If you want her to start saving money then you have to give her a reason why she should do it.

 

This will motivate her to start saving money and she will also have an idea of why she should start saving money.

 

3. Help her to fix the issues that prevent her from saving.

Do you remember in the first section of this article, I asked you to find out why your girlfriend has no savings at all?

 

The reasons that she gave you are what you will use to fix this issue.

 

If you find an appropriate way to help her solve the things that prevent her from saving money then you will have a good shot at making her start saving money.

 

You will have to find a way you can change the situation or a thing that is hindering her from saving money.

 

If she can’t save money because she doesn’t have a job then you should help her to find a job.

 

Help her to apply for jobs in different companies, help her prepare for the interviews and show her the right way to approach the job she is pursuing.

 

When you do this then you will be helping her secure a job. Once she has a job then it will be very easy for her to start saving money because she will be earning.

 

If she has a job then it will be easier for her to start thinking about saving simply because you earlier gave her a reason why she should think of saving money.

 

On the hand, if she has a job but she doesn’t want to do it and this is what prevents her from earning money that she can save then you can go ahead and get her back on her track.

 

Find ways to motivate her to get back to work so that she can earn money and start saving.

 

There is an article I wrote on how you can make your girlfriend work if she doesn’t want to.

 

You might like this: What To Do When Your Girlfriend Doesn’t Want To Work

 

4. Teach her how to manage her money.

Now, that you have helped her fix the issues that were preventing her from saving money this is something else you have to do.

 

For her to start saving money you have to teach how on how she can spend that money.

 

Teach her how she can spend that money if you want her to be able to save.

 

You have to know that she might be working and earning a good amount of money, but if she doesn’t know how to budget for it she will save nothing.

 

Also, if you know she is not financially responsible because she is a spendthrift then you should find a way to control how she is using her money.

 

The first way you can do this is by making first teaching her how to be responsible for how she spends her money.

 

Help her on how she can budget for her monthly expenses and make sure that she has a certain amount of money she can save.

 

You can do this by helping her budget for the essential things she will have to spend her money on.

 

This will give her an idea of how she should manage her money and next time she won’t need you to help her.

 

The moment you achieve this goal of helping her manage her income then it will be easy for her to start saving money.

 

You might like this: 7 Things To Do If Your Girlfriend Is Irresponsible

 

5. Find a way to motivate her to start saving money.

If you want her to start saving money then you have to keep motivating her.

 

The moment you have taught her how she should manage her income you should not stop at that point.

 

She may start saving money immediately after you have told her the importance of saving money and how she can manage her income.

 

But as time goes by this motivation will wear out. She might even slip back into her old habits.

 

So, to make sure that she remains on track when it comes to saving money, you have to be there for her.

 

You have to keep motivating her and telling her why she is saving that money.

 

Also, you can come up with activities that will keep her motivated to keep saving money.

 

You can start a game of saving money.

 

The one who will have saved more money than the other will have certain privileges.

 

For instance, you can tell her that if you save more money than her, she will have to buy you a gift and if she saves more money than you then you will have to take her on a trip.

 

This may seem silly but this is what will keep her motivated. This is what will make her be focused on saving more money for you to take her on that trip.

 

An activity like this can increase your savings rate and it will help your girlfriend to be better at handling her income.

 

6. Start saving with her.

The moment you have noticed that your girlfriend is doing great at saving money then you can open a joint account.

 

Open a joint account where you will be saving money together apart from your main savings account.

 

When you open a joint account and you both agree that you will be saving a certain amount of money every month then this will make your girlfriend develop the habit of saving money.

 

She will start to care so much about saving money than spending.

 

This is because when she sees you keep saving the money she will also be motivated to do it.

 

It will be more fun when you save together at the same time you will reach your goals very easily.

 

You will be able to buy that dream apartment you have been dreaming of.

 

Lastly…

 

This is what you should do if your girlfriend has no savings. You will have to help start saving money if you want your life with her to be easier.

 

You have to remember that all the things you want t achieve when you are together will be easily achieved when you join hands.

 

If you have done everything and your girlfriend still doesn’t want to save money and she is earning a substantial amount of money then you should be honest with her.

 

Let her know that you will never achieve anything you want if she won’t be willing to save money.

 

Try to push her to do the right thing, it can be that she needs a little push.

 

But if you have tried harder and she doesn’t want to listen to you then if you are thinking of building a future with her that is not someone you should include in your life.

 

You will have no option but to let her go.

 

If you keep sticking to her then this means you will be struggling to achieve all the financial things on your own.

 

This will be hard for you and she will keep dragging you behind.

 

Thanks for reading, if you have any questions leave your comment. See you in my next article.

 

Previous articles in Love Profile.

  1. Should A Man Give His Girlfriend Money?
  2. My Girlfriend Won’t Let Me Spend Money On Her: Why
  3. What Do You Do When Your Girlfriend Asks For Money?
  4. My Girlfriend Wants Me To Spend Money On Her: Know This
  5. My Girlfriend Is Financially Unstable: Know This
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