According to MarketWatch, 40% of Americans say debt and bad credit could be a real deal-breaker when it comes to dating and relationships.

“Wait… what does credit have to do with love? Shouldn’t we focus on a meaningful connection?”

Yes, of course! Butterfly-worthy attraction, personality, and a solid bond are still top priorities when it comes to dating. However, as romantic as chemistry can be, sometimes love, just ain’t enough. Here’s why. A good relationship is generally built on a foundation of love and trust. But like it or not, a long-term relationship (such as a marriage), isn’t just an emotional partnership; it’s also a financial one.

When two people are joined in matrimony, they are also joining their monetary responsibilities in life. Whether it’s daily purchases such as gas and groceries, or larger investments like leasing a car or buying a home; if you or your partner have bad credit, it could drastically affect your chances of achieving some major milestones.

Here are 3 things you can do now to boost your financial worthiness and increase your odds of landing a stable love connection:

1. Improve Your Credit Score

First comes love, then comes marriage, then comes… well, a heck of a lot of money to purchase things like an engagement ring, a new home or even a baby carriage. If your future love life leads you down any of these paths, good credit is typically required to get financially approved. If you’d like to achieve better credit, ScoreShuttle may be able to help. To see how far your score could grow, click below to access your report and get started.

2. Avoid Date Debt

If you’re actively dating, odds are you’re spending more money than usual. Expensive nights out, fancy dinners, new outfits – it all adds up. However you go about looking for love, avoid going into date debt!

How? Instead of paying monthly fees for a premium dating service, why not try the free versions? They say love happens when you least expect it. With that said, your odds of meeting Mr. or Mrs. right are virtually the same regardless of the site or the setting you choose. The key is, just get and stay out there!

Another tip to keep your dating dollars down is to plan simple and inexpensive meet-up spots. Why spend $100+ bucks impressing someone you may or may not even have a connection with? Instead, meet for coffee, a drink or even a walk on the beach for date one. If there’s chemistry, you can always have a second location in mind.

Lastly, don’t go overboard on the wow-themed wardrobe. One or two staple pieces are perfect until you find a match you want to spend more time with.

3. Consolidate Your Student Loans

Another way to boost your monthly finances is to consolidate your student debt. Besides bad credit, large sums of debt can also be a deal-breaker for those looking for love.

Even though the fine print on each loan may vary, the risk of having to potentially inherit (or at least factor in) a spouses’ debt may be too much for even the fullest of hearts to handle. For those with private loans, a consolidation paired with good credit may help you achieve a lower interest rate.

Perfect dating profile: check! Positive attitude: done. Desirable financials: we’re getting closer! By following the tips above, you’ll be on your way to a balanced, stable love connection in no time.