Monarch Blog
We're on a mission to make better financial outcomes available to everyone. Read our latest thoughts and insights.
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How to Discuss Money Values With Your Partner
Money talks are easier when you start with what matters most. Your values are a low-stakes way to get aligned with your partner—without diving straight into dollars.
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December 26, 2025
15 Simple Budgeting Tips to Take Control of Your Money
Budgeting doesn’t have to feel restrictive or miserable. These 15 practical budgeting tips help you build a system that fits your real life - so you can pay your bills, save for what matters, and spend with confidence. Learn how to choose the right budgeting method, build sustainable habits, and finally feel in control of your money.
December 19, 2025
How to Create a Holiday Budget in 6 Simple Steps
Holiday spending doesn’t have to derail your finances or follow you into the New Year. This guide shows you how to create a holiday budget you can actually stick to, so you can spend confidently, avoid debt, and stay in control as costs rise in 2025. With a clear plan and real-time tracking, you’ll enjoy the season knowing your money is working for you, not against you.
December 19, 2025
6 Financial Resolutions to Set for 2026
Make 2026 the year your financial goals actually stick. This guide breaks down the most impactful money resolutions like budgeting, saving, paying off debt, and building long-term security and shows you how to turn them into achievable actions. Start strong, stay consistent, and take control of your finances with practical tips that help you make real progress all year long.
December 19, 2025
End-of-Year Financial Checklist: 12 Must-Do Items
Close out the year with confidence by checking off the most important money moves before time runs out. This end-of-year financial checklist shows you exactly what to review, optimize, and take advantage of now to set yourself up for a stronger year ahead.
October 30, 2025
Setting Shared Financial Goals as a Couple
Talking about goals makes you happier, literally. Use them to align with your partner on the future you want, no spreadsheets required.
October 30, 2025
How to Talk About Money Habits in Your Relationship
You don't need perfect money habits, you just need to use the ones you have strategically. Here's how to play to your strengths as a couple.
October 30, 2025
How to talk about money dates with your partner
Regular money check-ins keep couples aligned, but they work best when they're fun. Here's how to make them a ritual you look forward to instead of dread.
December 10, 2024
Saving For Our Dream House Sounded Stressful. Then We Found Monarch
The story of Trent and Lauren, who crushed their savings goals and minimized arguments after they started using Monarch.
December 3, 2024
A Beginner's Guide to Mortgage Loans
For the average American buying a home, a mortgage loan is an absolute necessity. But just because it’s common, doesn’t mean the decision to be taken lightly. Discover what a mortgage loan is and how it works before you start your house hunt.
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November 18, 2024
A Money Diary Case Study on Budgeting as a Couple
We’re pulling back the veil to show you real finances from a real 30-something couple, so you can identify opportunities to improve your own finances, preventing stress and protecting your relationship along the way.
November 17, 2024
What Flex Budgeting is and How the One Number Method Works
Monarch's Head of Advice Rachel Lawrence on the simple budgeting method that works for the vast majority of people who try it.
November 16, 2024
Pros and Cons of Paying Off Your Mortgage Early
You have some extra cash. Congratulations! Here's how to figure out whether paying off your house makes sense for you and your family.