7 Non-Financial Ways to Help Your Partner During a Bad Debt Situation

7 Non-Financial Ways to Help Your Partner During a Bad Debt Situation

Personal finance is a difficult topic of conversation between two partners that many avoid. It is okay to feel uncomfortable while sharing financial troubles with their loved ones. But it is a meaningful conversation to increase trust and intimacy in a relationship.

Many people find their partner are facing a debt situation because of various reasons. The next step forward is not clear because your condition may not allow financial help. However, you can still help them with the debt situation without derailing your finances.

Here are some ways to support your partner in debt to overcome their financial troubles.

  • Initiate the Conversation

The majority of the partners don’t want to talk about their financial troubles, which creates a negative impression. Though many want a partner with sorted finances, it may help the relationship if the partner is mature enough to understand. You can start the conversation if the partner is reluctant because of this misconception.

Ask them politely about their progress with the debt situation. Check if the strategy is working for them to help them with some suggestion. They will feel cared for if you initiate the conversation now and then.

  • Plan Together

It may take some efforts to make them open up about the situation. Once the conversation has started, learn about the debt situation in detail. Do not forget the small information that can create a huge impact on the repayment strategy.

You can then create a plan together to repay the debt in a smaller period. You don’t have to contribute financially to it. The moral support is enough, along with some help in strategizing.

Moreover, they need your support while implementing the plan to control their expenses. They may not refrain from unnecessary purchases if you are on a shopping spree every weekend. You can help them reduce the overall instalments with low-interest personal loans in Ireland

  • Do Not Judge

We should never judge our partners based on their past. You might have made the same decisions in their situation. Appreciate their decision to change and bring stability to their finances.

Moreover, a debt situation is not always a result of reckless spending and partying in the early 20s. Some of them are unavoidable expenses such as medical bills with long-term damage to the finances. Do not make them feel more guilty about the situation and focus on the solution.

We all learn from our mistakes and use the experience to make better decision in the future. They have already learnt a lot about the trouble of managing their finances because of the heavy repayment. The last thing they need is some judgement from their partner.

  • Lead by an Example

Your spending habits can teach a thing or two to the significant half. They may not take those lessons if they are forced on them. However, the inspiration will help them learn on their own.

Limit the spending on amenities and luxurious products for some time. Do not visit fancy restaurants or expensive places with them to create stress on finances. They will soon adapt your methods of savings.

  • Ask them to Share

Your relationship may have crossed the initial stages of dating and knowing each other a long time ago. The next stages involve living together and sharing almost everything in life.

This includes your financial goals and troubles.As a team, you need to create common financial goals for the future, such as freedom from debts, buying a house, or retirement fund. The shared goals will increase the chances of their success with the combined efforts. Moreover, you will find it easier to get unsecured personal loans in Ireland with a consignor.

  • Respect Their Decisions

You may find their strategy or decisions to counter the situation ineffective. There may be several loopholes in their plan to repay the debt. Still, you cannot force your opinion on them.

Respect their decision and support them with their plan. You can offer some feedback with criticism but in a manner that doesn’t sound offensive or insulting. This may affect the relationship negatively because no one likes blunt criticism.

You should always start feedback with the positives about their decision. Appreciate them for trying to eliminate the debts. Then, add the criticism in the end with some suggestions.

  • Cheer for Them

It is not easy to stay motivated for months or years during the repayment process. You need constant reminders of progress and its impact to continue with the efforts. As a partner, you can cheer them to motivate them for the remaining part of their plan.

Give them some moments of celebration for a small milestone. The sense of these small successes is a proven method to help people conquer a huge goal. However, do not celebrate in a manner that may cause unnecessary stress on the finances.


In the end, the relationships last because the partners hold hands during the toughest of times. A debt situation may take months to get under control with consistent efforts. If not financial, you must provide support in some other way to keep them motivated with their goal.

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