April 03, 2019

According to a recent online survey conducted by Ipsos on behalf of Charlie Finance, 46% of women who are single/have never been married say that they would rather be in a relationship with someone who has bad credit (credit score below 500) over someone who has a tattoo of their ex (54%). Another 45% say that they would rather go on a first date with someone who has moderate credit card debt ($5k - $10k) over someone who doesn’t vote in political elections (versus 55% who disagree). However, six in ten (58%) say that they would feel less inclined to want to get married if their partner had a large amount of debt. Only a third (34%) believe that being in a serious relationship brings financial security (versus 66% who disagree).

Women under the age of 30 are significantly more likely to rather be in a relationship with someone with bad credit than someone who has a tattoo of their ex (49% vs. 36% of those ages 31-40). On the other hand, older women (67% of those age 31-40) are much more likely to be hesitant to get married to someone with a large amount of debt (vs. 56% of those age 18-30).

When asked whether they would want to have an engagement ring or the cash value to use however they want (e.g., on the future wedding, honeymoon, make a major purchase, or put in savings), 51% would choose the ring versus 49% who would opt for the cash. Women between the ages of 18-30 are much more likely to select having a ring (54%), while most women over the age of 30 would opt for the cash (58%).
Dating and Finances

When it comes to using dating apps, most single women say that they would not want to see financial details on someone's dating profile (74%). However, one in ten (12%) would want to see a potential date’s credit score (12%) and 7% would be interested in knowing how much credit card debt this person has. Very few would instead be most interested in seeing a person’s savings account balance (3%) or how much student loans they have (3%).

Opinions are split when it comes to who should pay on the first date, with 51% of single/never married women agreeing that both parties should split the bill equally on the first date (vs. 49% who disagree). Only 3% believe it is acceptable to discuss money on the very first date. Instead, women are more likely to think it is better to wait until they have been on two to four dates (18%) or even five to ten dates (25%) before bringing up finances (e.g., debt, savings, spending) - and nearly half (48%) say instead that the subject of money should only come up when in a serious relationship. Only 18% say that they feel more comfortable sharing their salary with someone they are casually dating than with their friends.



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