Love, Hustles, and Household Budgets
By Hileni Amadhila /
We often think love lives in flowers, laughter, and late-night chats, but in real life, it also lives in the rent, the groceries, the school fees, and the “Can we help at home this month?” calls.
And in Namibia today, the financial side of love can be just as intense as the romantic side.
The 2024 Old Mutual Namibia Financial Services Monitor shows that over half of working Namibians feel financially stressed, with rising costs and slow income growth piling on the pressure.
At the same time, almost a third of working adults have more than one income stream, and about one in four runs a business.
That’s a lot of hustling, and a lot of juggling for couples trying to build a life together. So how do you keep both your finances and your relationship healthy?
First, talk openly. Money stress grows in silence. Set up a regular “money checkin” where you both share what’s coming in, what’s going out, and any family support you’re expected to give.
In Namibia, helping family can be a fixed part of the budget, whether it’s school fees for a sibling or groceries for parents. When it’s openly discussed, you can plan for it instead of feeling blindsided.
Next, create a system that works for your reality.
A joint account for shared expenses (housing, food, kids) plus personal accounts for individual spending can give both partnership and independence. If incomes are different or irregular, say one partner runs a side hustle, contribute by percentage instead of a fixed amount so it feels fair.
Plan for cash-flow ups and downs.
If one of you has steadier income, use that for fixed costs like rent, and balance out later when other income streams come in.
Also, keep a small “us” budget for fun, coffee after church, a picnic at the beach, so you don’t lose the joy in the grind.
Debt and savings need clear agreements too. List all debts, interest rates, and payment dates so you’re both aware.
Even small savings can help avoid turning every emergency into a loan. And if you have a business, keep those finances separate so you don’t cut into stock or working capital.
Most importantly, remember the bigger picture. If you’re feeling the pinch, you’re not alone. The data shows many Namibians are under pressure, which means it’s a shared reality, not a personal failure.
The goal is to make money a tool you manage together, not a wedge that drives you apart.
When you’re honest about both your love and your money, you give your relationship the space to grow, even in tough times.
– Hileni Amadhila is the Senior Public Relations, Stakeholder and Communications Consultant at Old Mutual Namibia.
