It is a well-known statistic that money consistently features as one of the top three triggers for a breakdown in marriages. It is therefore no surprise to me that my most-viewed video on Facebook so far relates to money. Money is not just notes and coins; it is such a powerful force that even Jesus acknowledged that the strongest competitor with God for human hearts and allegiance is money. Matthew 6:24 highlights this: ‘No one can serve two masters. For you will hate one and love the other; you will be devoted to one and despise the other. You cannot serve both God and money.’
Money means different things to different people and usually it is what money represents that couples fight over, rather than the money itself. To some, money signifies the opportunity to make a contribution to the lives of others; to others it represents status, the opportunity to gain control, respect, power, fame; to others it represents a world of options. Money in itself is amoral; it is neither good nor bad but it can promote either virtue or vice in the hands of a person. Having money really doesn’t change people; it simply reveals who we are, for good or bad. Nowhere is this more evident than in marriage.
Money in itself is not the problem in marriage. It is simply a manifestation of the spirit of the marriage. Money brings out more of who you are. Your attitude to life is amplified by your money. Money will enable you to be more of who you are: selfish or generous, considerate or self-centred, trusting or suspicious. Rooting out unhealthy money attitudes and replacing them with healthy attitudes is one of the most important investments you can make in your marriage. Below are a number of steps you can take to set yourselves on a good financial footing in your marriage.
Replace ‘me’ with ‘we’
Selfishness is one of the biggest triggers for money related conflicts in the marriage. The premise on which biblical marriage is based is covenant. Covenant means that you pool resources and liabilities; your strengths compensate for each other’s weaknesses. As long as there are walls of division between your finances, it is impossible to achieve true unity; you are not truly one until your money is one. This demands going beyond paying lip service to unity and actually seeing each other as financial partners. Marriage is not supposed to be run like two separate corporations under the same roof. This does not necessarily mean having joint accounts, but it means that both parties are aware of what is coming in and what is going out of the family. It also means that through continuous practice you have learnt to communicate effectively about money which leads to my second point.
Stop keeping secrets
Keeping financial secrets is never a good idea in marriage. The minute couples begin to hide pay rises, bank accounts, expenditure and debts from each other, disunity, division and distrust sets in. Every marriage needs a healthy balance between financial autonomy and financial accountability and you need to agree as a couple where that balance lies. As adults we all need a certain amount of discretionary spending money such that we don’t have to justify every little expense to our spouse. Depending on what your family income is, you need to agree as a couple how much you can spend without consulting each other. As a rule of thumb, major purchases should be a product of joint decision making, although what constitutes major in one family can be a minor expense in another. This is why dialogue is so crucial. In the words of Larry Burkett, the noted Christian author on finances, ‘Money is either the best or worst area of communication in a marriage’. If you can’t trust each other financially, this is an issue that needs to be worked through with a counsellor or it will eat at the heart of your marriage and rob you of your sense of unity and oneness.
Agree a budget and stick to it
Where there is no budget, a business will perish and the same can be said for marriage. The downfall of many couples is the unwillingness to take an honest look from time to time at where their money is being spent and whether that represents good financial stewardship. Many Christians mistakenly believe that budgeting is a faithless exercise. Yet Jesus Himself taught the exact opposite. In Luke 14: 28-29 He states, ‘Suppose one of you wants to build a tower. Won’t you first sit down and estimate the cost to see if you have enough money to complete it? For if you lay the foundation and are not able to finish it, everyone who sees it will ridicule you.’ I find it instructive that Jesus assumes the wisdom of budgeting our resources should be obvious. Similarly, financial planning is a theme that runs through the entire book of Proverbs written by King Solomon, one of the wealthiest men who ever lived. The absence of a financial plan is evidence of the absence of a financial vision for your family. When you agree as a couple how you want to manage your finances from month to month, and what your long term goals are, a lot of stress and conflict can be eliminated from your marriage.
Understand temperament differences
The way we choose to spend our money is a reflection of our money-values. We spend on what we cherish. Usually couples have different money languages and this can be the start of many conflicts if not properly handled. In my article, ‘Why couples really fight over money’, I explore in detail the four basic money languages and how they influence our spending patterns. Once you identify you and your partner’s money languages, that knowledge forms a basis for coming to a better of understanding of how to harmonise the two for the benefit of your family. There is often strength in diversity and your differences, when harnessed appropriately, can cease to be flash points and become foundational in building a stable financial future.
