Money can be deeply personal and something we deal with in private for much of our lives. But living with someone else, whether it be a friend or a partner, means you have to work together to manage your joint finances in some form or another. Beyond the pure financials there are also plenty of other considerations to make when sharing money or a living space with a friend or a loved one. Almost all young people will do this and very few give it conscious thought. It can often be a source of friction - but it doesn't have to be. In this episode we discuss the key things you should be thinking about and discussing together to maintain a healthy approach to cohabiting and joint financial planning. Whether you're living with friends or a partner, we've got you covered. We discuss: Housemates- What should you be thinking about when you move out for the first time?- What bills do you have to pay?- How can you approach difficult conversations on joint financial issues? (e.g. how to discuss bills and rent with your housemates whilst keeping your friendships intact)- How do you budget for house bills?- Should you get a joint account with your housemates? (And crucially, how to avoid it impacting your finances 10 years later…) Partners- How to talk about joint financial goals with your partner- What if they're different to your goals?- What shapes our attitudes to finances?- Considerations for buying property together- The different options for splitting your finances 

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