It is said that the number one and most frequent argument in marriage is about money. My wife and I struggled early on with our differences when it came to the use, the saving and the spending of our finances. But, after eight years of mission work we discovered that we could fight and argue about money or pray and agree for our needs. Both methods are powerful. 

However, it took us even longer to get to the root of our differences. It is in this vein that I would like to share how those differences are important, can be valued and embraced to make better financial decisions along the path of finding financial agreement. 

See if you see yourselves in any of the points made below.

• Financial differences are about differing expectations (good and not so good) and our insecurities around money. Does money provide security to us and in what ways? Are our expectations and the use of money different than our spouses? Work toward making those differences a plus and not a negative. We need to ask ourselves how do our financial differences strengthen us as a team? For example, my wife was more of a giver than a spender. We needed to ask ourselves how giving helps our overall financial picture.
• Differing values – one wants to save and one wants to purchase.When is just saving negative? When is just purchasing negative? Saving for savings sake loses its focused goal of saving for a car or a house down payment. When we agree to save toward a goal, we find unity in that decision even with differing financial values. Purchasing simply for spending can be habitual or even addictive with huge losses realized down the road.
• False beliefs must be confronted. For example: “If you possess a lot of money, you do not argue about money.” Is it money itself or is it differing beliefs about money that we’re arguing about?
• “Spenders” are also investing, not just “savers.” They are often investing in family fun, the marriage, their children, or toward vacation. Imagine a vacationless, not-so-fun family. And, as mentioned above, sometimes spenders are really givers. They love to bless others with gifts because it’s a part of their love language.
• Learn to value choices with money that moves your heart in giving, in sowing, in investing. Allow your partner to invest in what moves them and, at the same time, takes finances.
• Work toward honoring what the other person cares about. Give one another an allocation to spend, give, save and invest toward their thing, their passion. It’s why you agree on an amount and an allowance for each other. This is not without accountability, but allows for far more freedom for each partner.
• When you have a financial difference, be sure to enact James 4:1-3, pray and ask God in sincerity together!

As you grow through the financial differences, honor one another, and come into agreement by embracing what your marriage partner brings to the table, the arguments will decrease and you will discover more and more agreement in how you save and what you purchase. Further, the older you become, the less you need and the more focused you will be on giving to others!