It can be tough managing finances if you’re single. What are some good tips?

Jeez, I don’t know about that. That’s like me saying: “Getting hitched was awesome. I’ll never have to cook again”.

(Duck the frying pan that’s flying my way … NOW!)

Couples have twice the bad spending habits to keep under control, will eat out more and might do something silly like get married, where the average wedding now blows up $50,000.

And, really, how often do you need to have nasty, spiteful arguments with yourself over money?

The most expensive financial disaster is less likely to occur if you’re single. Marriage usually leads to midgets.

From a financial perspective, kiddies make less sense than burning $100 bills. But at least if you get bored burning notes, you can stop. Get bored of raising kids and you’ll be Prisoner “Queen” Bea Smith’s cellmate.

All I’m sayin’ is that the whole boy meets girl story ain’t no financial stairway to heaven.

If singles have got it tougher, it’s the whole do-it-yourself thing. Save for it yourself. Budget yourself. Motivate yourself. Purchase it yourself.

But then you don’t have to share it with anyone. For you singles, would you like me to tell you exactly how quickly “new-car smell” disappears when competing against baby vomit and dog-poo shoes?

The ultimate upside of being single and taking the DIY finance option? Guilt-free cheap sex with total strangers! It might have cost you cosmopolitans or dinners, but you didn’t have to sign up for a 30-year mortgage, did you?

Bruce Brammall is the author of Debt Man Walking (www.debtman.com.au) and principal adviser with Castellan Financial Consulting.