The first date 'red flag' that shows a potential partner's approach to money

Modern dating comes with so many rules, none of which are made clearer on Valentine's Day.

And according to Sharesies CEO and co-Founder, Sonya Williams, how money is handled by couples on that first important date speaks volumes about how that potential couple will manage money together in the future.

Williams says it's all about people's "money personality types" which can be "saver, spender or investor."

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She tells 9honey Money to pay attention to each other's money behaviour during your first date and take note.

"For example, If someone is happy to foot the bill, it might be because they're a spender, or they've saved up for it, or consider the experience as an investment in their future happiness," she explains.

Williams says to "get curious and ask them."

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"It's a great chance to learn more about each other," she adds.

"It really shouldn't be taboo to talk about money during - or when planning for - a date," Williams says. "So I'm all for being upfront about this. Money enables you to live the lifestyle that you want, so our approach to our finances is a big part of our identity, and reflects our values."

Ideally, couples will be able to discuss their "shared budget, and who's comfortable paying for what."

"And as your relationship develops, and you become more comfortable with each other, you could even set a joint money goal," she says. "What's more romantic than saving for something, together?"

She reminds us that "honesty is the best policy."

"Be realistic from the outset on what you can or can't afford, and work together to find a suitable budget for you both," she advises. "And figure out how each of you feel about giving and receiving gifts, and any expectations around this."

Williams says while couples may not start on the same page it "doesn't mean you can't get there with a little self reflection, curiosity and compromise."

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"Find out your money personality and try to think of how this may impact your partner," she says.

"If you're worried that you're a spender, and love social gatherings and connecting with people, what are ways that you can get that feeling without impacting your budget?"

For those who are a "disciplined saver or investor, think about how you could (gently) encourage your spender partner to join you in that journey, or make sure you're also allocating some spending to enjoy the moment."

"Relationships are all about learning from each other - financial savviness included," she adds.