By Everson Luhanga
- A JustMoney survey found 42% of women feel financially stressed, compared to 34% of men, revealing the pressure many relationships quietly face daily.
- Experts say couples who discuss income, debt, savings and family responsibilities are more likely to avoid conflict and build long-term financial security together.
Lerato and Sibusiso laughed when they saw restaurant prices for Valentine’s Day.
One starter cost more than their weekly electricity bill. They chose to stay home, cook together and talk about their finances instead.
This year, their date included a candle, a simple meal and a serious chat about money.
They are not alone. A recent JustMoney survey, called Money and Me, shows that 42% of women feel financially stressed, compared to 34% of men.
The study reveals clear differences in how men and women handle money. If given R1,000, 75% of women would buy groceries. Among men, 67% would do the same.
Women are also more likely to shop according to specials. About 75% of women look for discounts, compared to 67% of men.
Income gaps add more pressure. Only 36% of women earn more than R10,000 a month, compared to 47% of men. Just 9% of women feel confident about their income, while 42% feel worried.
Sarah Nicholson, customer experience manager at JustMoney, says love cannot ignore money.
“How well partners manage money can ultimately make or break their bond,” she said.
She says couples do not have to earn the same or think the same about spending, but they must be honest about income, debt and obligations.
The survey found that men are more likely to borrow from financial institutions. Women are 21% more likely to borrow from family or friends.
It also showed that people supporting four or more family members have only a 6% chance of saving at least 10% of their income each month.
Nicholson says couples should create a simple monthly budget. They should agree on how to share costs like housing, groceries, transport and childcare. Contributions do not need to be equal, but they must feel fair.
She says couples must also plan for emergencies, job loss or illness. A joint emergency fund and proper cover can reduce stress during hard times.
The research found that 38% of women and 32% of men pay for two or more funeral policies, often for relatives. This can leave them without enough cover for income protection or medical costs.
Nicholson says Valentine’s Day should reflect shared values, not social pressure.
Expensive gifts bought on credit can undo months of careful budgeting. A thoughtful, affordable gesture can mean more, especially when both partners are working towards bigger goals.
For many couples this year, the most romantic words may simply be, “Let’s plan our future together.”
Pictured above: Honest money conversations can strengthen relationships more than expensive Valentine’s Day spending, according to JustMoney research.
Image source: X
