Talk Money Week: Start the conversation

Why talking about money matters 

We know talking about money can be uncomfortable, but staying silent can often make things harder.  

Research shows that people who talk about money: 

In a time when many are feeling the pinch, talking is a powerful tool. It helps us face challenges, find the support we need and make more informed choices. 

1. Talking to children about money 

Money habits start early and the way we talk to children about money can shape how they manage it for life. Starting simple, everyday conversations help build confidence and understanding. Whether it’s chatting about pocket money, saving up for a new toy, or the cost of the weekly shop, these moments help children learn the value of money and how to make good choices. 

Try using MoneyHelper’s Talk Learn Do guide for tips on how to make money conversations fun, positive, and age-appropriate. It’s a great way to set your child up with healthy habits that last. 

2. Chat with your partner about bills, budgeting and goals 

If you share finances, talking openly helps you stay on the same page. Discuss your monthly budget, savings goals, or plans for the future, like holidays or buying a home. Setting goals together makes it easier to stay motivated and on track. 

Why not try the MoneyHelper Budget Planner to build a joint budget together or try this guide from StepChange on how to make a budget to track income, expenses and savings together? 

3. Being open with friends or family 

Talking about money with people you trust can be a powerful way to feel more supported and less alone. Someone close to you might be going through something similar, whether it’s saving for a big goal, managing debt, or trying to make ends meet. By opening up, you might discover shared experiences, swap tips, or learn about tools that could help you both. 

It’s also okay to be honest about what you can afford. If you're not able to join in on certain plans, there’s no shame in saying so. Suggesting lower-cost or free ways to spend time together, like a walk, a home-cooked meal, or a free local event, can help keep those connections strong without financial pressure.  

Check out this guide from MoneyHelper about how to talk about money with friends to help get you confident.  

4. Ask for advice or support 

You’re not alone. Whether it’s asking a friend how they budget, speaking to a financial adviser, or joining a community group, talking about money can help you feel more confident and supported. 

If you’re struggling with debt or unsure what help is available, there are plenty of free, confidential services you can turn to: 

It’s also important to make sure you’re getting everything you’re entitled to, don’t forget to check out our Better Off Calculator, you might be entitled to benefits or support that could make a real difference. 

5. Speak up at work 

Your workplace might offer benefits you’re not aware of, like increased pension contributions, financial wellbeing support, or employee assistance programmes. Don’t be afraid to ask questions. Talking about money at work helps build a culture of openness and support.  

We also offer our own workplace benefit, with salary deduction savings and loans that give you access to financial wellbeing tools directly through your pay. You can check if you’re eligible here, and if you’d like your employer to get involved, encourage them to get in touch.  

You can also use MoneyHelper’s pension guides to understand your options and make the most of what’s available. 

Talking about money isn’t always easy, but every time we open up, we take a step towards feeling more confident, more connected, and more in control. So whatever conversations you start this Talk Money Week, know that they matter and they’re helping build a better financial future.