DaveWays Couples & Family Finance Workbook
Instructions: Enter both incomes and shared bills. Choose a split method. Each partner's fair share calculates automatically.
| INCOME | Partner A | Partner B | Combined |
|---|
| Monthly Net Income | | | =B5+C5 |
| Income Share % | =B5/MAX($D$5,1) | =C5/MAX($D$5,1) | |
| SHARED BILLS | Amount | | |
|---|
| Rent / Mortgage | | | |
| Utilities | | | |
| Groceries | | | |
| Insurance | | | |
| Transport | | | |
| Childcare | | | |
| Other Shared | | | |
| TOTAL SHARED BILLS | =SUM(B10:B16) | | |
| SPLIT METHOD | | | |
|---|
| Equal 50/50 - each pays | =B17/2 | | |
| By Income - Partner A pays | =B17*B7 | | |
| By Income - Partner B pays | =B17*C7 | | |
| SHARED SAVINGS GOALS | Goal | Saved | Progress % |
|---|
| House Deposit | | | =C24/MAX(B24,1) |
| Holiday | | | =C25/MAX(B25,1) |
| Emergency Fund | | | =C26/MAX(B26,1) |
| Other | | | =C27/MAX(B27,1) |
| CONVERSATION PROMPTS (print or discuss) | | |
|---|
| 1. What does financial security look like to each of us? | | |
| 2. What is one money habit we each want to change? | | |
| 3. What are our top 3 shared goals for the next 3 years? | | |
| 4. How much personal spending stays private / no questions asked? | | |
| 5. When each month will we do our 20-minute money check-in? | | |