We were one of those couples! Simply stated, we had extremely differing financial values. Mary called me a “tightwad” and I unappreciatively called her a “spender.” Neither term is endearing and of course settles nothing in the financial realm of marriage.
It’s a dilemma for sure. We often carry our financial values into marriage from our parents or our family money values. If your family never took a vacation you may not see the value in spending money for a week or two of vacation. If your family overspent and misused a credit card, you may not know how to save for emergencies.
In our marriage, we came to the point where we needed a strategy to develop a mutual agreement of understanding. James chapter four tells us that we fight and argue because we do not ask God. So, we asked God. When doing so, we discovered that we actually had the best of both worlds.
Mary was not a spender; she was a giver. I wasn’t trying to be a tightwad as much as I was attempting to save for a future investment. Giving and saving for investment. Now that’s a winning combo.
Here are some points to keep in mind when it comes to family finance:
- It’s all God’s. You are simply stewards.
- God is your provider. Take a break and let Him be your source.
- In Him we lack nothing. When Jesus’ disciples returned from a mission trip He asked them, “When I sent you without purse, bag, or sandals, did you lack anything?” (Luke 22:35)
- Pray over your finances rather than fight or demand, i.e., ask God.
- Tithe or sow obediently into His kingdom first.
- Create a livable, life-giving budget.
- Allow for one another to have a reasonable spending allowance.
- Be generous with others.
- Pay all of your charges on your credit card monthly.
- Create an emergency savings account as soon as possible. (Start with $3,000.00 and then work your way up to three months of living expenses.)














