Skip to content

Financial love languages

What’s your financial love language?

Ella Jukwey
Written by  Ella Jukwey
Donna McConnell
Reviewed by  Donna McConnell
Updated: 14 Feb 2024

One of the most important relationships we’ll have in our lives will be with money, in this article Ella Jukwey explores how the five love languages can apply to our finances

You might have heard of the term ‘love languages’. The concept was created by author Gary Chapman, according to the relationship guru there are five love languages which signify the ways we express and receive love. It turns out love languages don’t solely impact our romantic lives; they could also affect how we view money.  

Words of Affirmation 

If your love language is words of affirmation, then you appreciate verbal expressions of love. You also enjoy telling the people you care about the most how special they are to you. It can be easy to beat ourselves up over our finances, thinking that we’re not saving enough, or our debt isn’t shrinking fast enough.

If words of affirmation is what makes you feel you good about yourself, then the next time you hit a money milestone, say you’ve reached a savings goal then shower yourself with praise. You could big yourself up by jotting down your financial achievements in your journal or even simply saying to yourself that you’re proud of the progress you’ve made. 

Couple sorting through their bills

Acts of Service 

People who pick acts of service for their love language prefer it when life is made easier for them. What can be more confusing than getting your head around money? Luckily, with the rise of digital banking, getting in control of your finances can be achieved with scrolling through your smartphone. There are banking apps which have budgeting tools, so you don’t have to wrestle with an Excel spreadsheet to get your finances in order.  

If you can be forgetful with payments, you can set up direct debits to ensure you never miss them, just make sure there is enough money in your chosen account to cover the payment. Use the apps available to you to make managing your money easier. 

Receiving Gifts 

If your love language is receiving gifts, this doesn’t mean creating bad spending habits – it can actually translate to savvy spending. If you shop a lot, then gift yourself when you spend with a rewards credit card. A cashback credit card is a type of rewards card which allows you to earn some money back every time you spend. If you’re a frequent flyer, then an air miles credit card can reward with you travel-related perks such as discounted flights and lounge access. Keep in mind that rewards credit cards can come with high interest rates and an annual fee. 

Another way you can receive gifts when it comes to your money is by switching your bank account. Sometimes, when you switch current accounts, you could be rewarded with a cash bonus. Cash incentives for switching bank accounts can be up to £200. However, there are terms and conditions in order to be eligible for the bonus, so read the small print before you switch.

Physical Touch 

When physical touch is your love language, you appreciate getting up close and personal with your loved ones. For the physical touch fans, you could benefit from actually seeing your money. In a time when contactless payments are increasingly popular, you might sometimes not bother to carry cash on you at all. Cash in its physical form still has its benefits, it can be easy to get carried away with tapping on your card and forgetting you’re spending real money. If you have your pound notes and coins in front of you, you’re able to see how much you’re spending, and it may help you rethink an unnecessary purchase. 

Quality Time 

Quality time as a love language means you love spending time with your partner. Why not give that undivided attention to your finances? Dedicate a day to look through your bank statements to make sure all transactions are approved. You can also take a long look at your credit report, look out for any inaccuracies which could be negatively impacting your score. Make your money stay longer in your account by not giving into impulse spending. 

Other useful guides

Check out our other useful guides on saving, budgeting, and avoiding conflict over money:

How to stop fighting about money | MoneySuperMarket

How to go hands-free with your saving | MoneySuperMarket

Why budgeting is self-care | MoneySuperMarket

How to get into the savings habit | MoneySuperMarket