You know that feeling when your brain is juggling a hundred things at once? School lunches, upcoming birthdays, doctor appointments, bills, grocery lists, and oh—did you remember to pay for that school excursion? For many mums, this isn’t just everyday life—it’s what we call the mental load.
But there’s a hidden part of that mental load that doesn’t get talked about enough: money management at home. And it’s time we start the conversation.
What is the “Mental Load” of Finances?
The mental load refers to all the invisible planning, thinking, and worrying that goes into running a household. When it comes to finances, that could mean:
- Keeping track of due dates for bills
- Budgeting for the month
- Managing school or childcare costs
- Planning family holidays or birthdays
- Making sure there’s enough in the account before the next grocery run
- Organising insurance, super, or long-term savings
Often, it’s not just about doing the tasks—it’s about remembering to do them, and being the one who notices when something needs attention. And let’s be honest: mums tend to carry a lot of that weight.
Why Is This a Problem?
Because it’s exhausting. Even if your partner helps with some of the actual payments or errands, you might still be the one constantly reminding them, planning ahead, or worrying about unexpected costs.
Over time, that pressure builds up—and it can lead to stress, resentment, or burnout. And that’s not good for anyone in the family.
How Can We Share the Load?
The good news? You don’t have to carry it all alone. Here are a few ways to lighten the financial mental load and make it a true team effort:
1. Have a Monthly “Money Meeting”
It doesn’t have to be formal. Just set aside 20 minutes once a month to go over the budget, bills, upcoming expenses, and savings goals. Make decisions together so the responsibility doesn’t fall on one person’s shoulders.
2. Share Access, Share Responsibility
If one partner is in charge of all the banking apps, passwords, or subscriptions, it’s easy for them to become the default “finance manager.” Share access so both people know where things stand and can take action when needed.
3. Make a Visual Budget or Calendar
A whiteboard or shared app that shows key dates (like bill due dates, direct debits, or major expenses) can help take the pressure off your brain. It becomes a family system, not just something you have to keep track of in your head.
4. Assign Specific Tasks
If you always organise the school fees, maybe your partner can take over car registration or insurance renewals. Divide and conquer, and agree to own those responsibilities—without needing constant reminders.
5. Talk About the Emotional Side
Money isn’t just numbers—it’s tied to feelings of security, fairness, and control. If you feel overwhelmed or unseen, bring it up gently. A good conversation can help reset the balance.
Final Thoughts
Being a mum already comes with enough mental tabs open. If you’re also the family’s financial manager, it’s OK to say: This is a lot. And it’s more than OK to ask for help.
By sharing the mental load—especially when it comes to finances—you’re not just protecting your own wellbeing. You’re teaching your family that teamwork and shared responsibility are key to a happy, healthy home.
Because carrying the weight of a household shouldn’t be a one-woman job.
Are you looking for some support in navigating motherhood? Check out more helpful resources from our blogs, join our FB group, follow us on Facebook and Instagram and connect with fellow mums and our team of financial experts ready to help you!
If you’re searching for a more comprehensive tool to help you manage your finances, we recommend checking out the MUM CFOs Money Masterclass course. This course offers a wealth of knowledge from financial professionals in various fields, including financial planning, credit repair, mortgages, accounting, investments, insurance and estate planning. By learning from their expertise, you will gain the tools and strategies necessary to achieve your financial goals. Don’t miss out on this valuable opportunity to enhance your financial literacy and take control of your finances!
