Finances in a relationship. What spoils relationships the most, according to the latest study
The study indicates that the main sources of financial disputes in relationships are bills, rent and other fees, indicated by 31 percent. subjects. In second place was the partner's extravagance (19%), followed by lack of savings (16%) and too low joint income (15%).
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What is most important?
However, it is not only financial problems that affect relationships. As the authors of the study emphasize, among people living in relationships, the key factors for harmony in this sphere are mutual trust and honesty (59%), as well as the ability to plan expenses together (39%).
The report also shows that housing loans are the most frequently chosen financial product by couples. “They concern as much as 62% of the number and 63% of the value of all such liabilities,” note the authors of the study, citing data from the Credit Information Bureau (BIK). What's more, couples are much better at repaying their debts – only 2.3% of them are late over 90 days. value of loans taken out by people in relationships, while in the case of singles this percentage is 6.3%.
A realistic approach to the budget
BIG InfoMonitor experts emphasize that the upcoming Valentine's Day is a great opportunity to discuss finances in a relationship. In their opinion, openness, common goals and a realistic approach to the household budget are gifts that can ensure durability of the relationship. “Such foundations will not replace love, of course, but they can effectively protect it from the prose of life,” they add.
The “Finance in Relationships” study was conducted by Quality Watch in February 2026 on a sample of 1,070 people.
