Money is a fundamental factor that needs to be considered in all marriages. Many couples strive to gain wealth, achieve a comfortable lifestyle, and provide their family with financial security.
However, while these goals may be aligned with cultural ideals, we must ask ourselves one very deep-seated question: Whose dream is this? Is it really reflective of the values of the risen Jesus, or are we running after some worldly vision of success?
God’s countercultural will about money and possessions has the power to change your thinking about finances and set marriages free.
Here are 12 practical principles to get you going in taking hold of financial stewardship together.
Beware of the Traps of Materialism
“But the worries of this life, the deceitfulness of wealth and the desire for other things come in and choke the word, making it unfruitful” – Mark 4:19
The pursuit of wealth can subtly shift priorities. Jesus warns of “the deceitfulness of riches” since even having enough to live on can put us in a prison of misplaced values. Together, take a look at where your heart is by looking at your spending – your bank statements often disclose your real priorities.
Embrace Generosity as a Lifestyle
“Each of you should give what you have decided in your heart to give, not reluctantly or under compulsion, for God loves a cheerful giver.” – 2 Corinthians 9:7
Generosity powerfully aligns your finances with God’s heart. Set aside at least 10 percent of your income to give, with the first position going to your local church and then kingdom-driven causes. This is an act of faith that not only honors God but strengthens your bond as a couple, cultivating joy and purpose for your giving journey.
Clearly Set Financial Boundaries
A budget is more than a tool – it is a declaration of a desire to commit your resources to God. Record your spending to identify wasteful patterns, and then identify the allocation of money consistent with the goals you both build together. Whether with digital apps or tried-and-true envelope systems, budgeting can prevent conflicts and encourage collaboration.
Address Debt with a Unified Plan
Debt can put a strain on even the best of marriages. Steer clear of debt when at all possible, with the exception of necessary investments such as an affordable home. If you are presently in debt, commit yourselves to paying it off together. Pray for wisdom, pare down expenses, and learn to live a simple lifestyle that will head off future pitfalls
Remember That It’s All God’s Anyway
“Who has a claim against me that I must pay? Everything under heaven belongs to me.” – Job 41:11
Nothing belongs to you. Ownership is a mere myth. Everything belongs to God. Acknowledge this truth and view yourself as a manager, not an owner, of your resources. This perspective can release you from the pressure to accumulate wealth and instead motivate you to invest in eternity.
Discuss Financial Decisions Openly
Be transparent and have regular conversations about money goals, challenges, and desires. Conflicting expectations usually spark friction, while open discussions build unity and trust.
Invest in Eternal Treasures
Jesus encourages us to lay up treasures in heaven, not on earth (Matthew 6:19-21). Look for ways to use your money to extend God’s causes. Once you begin to view your assets as eternal investment capital, you will make decisions that bring rewards that endure forever.
Celebrate God’s Provision with Contentment
“But godliness with contentment is great gain. 7 For we brought nothing into the world, and we can take nothing out of it. 8 But if we have food and clothing, we will be content with that.” – 1 Timothy 6:6-8
Paul reminds us to be content with what we have. Instead of comparing our financial status to others’, appreciate God for His daily provisions. Gratitude may just protect our marriage from the stress of unrealistic expectations.
Include God in Financial Decisions
Pray for God’s wisdom before making major purchases or investments. This practice will renew your dependency on Him and align your decisions to His will.
Model Godly Stewardship to Your Children
Your financial habits will speak volumes more than words to your children. You will want to show them the joy of giving, the importance of saving, and the danger of debt.
Build a legacy as a couple in faith-centered money management to be emulated by future generations.
Avoid the Comparison Trap
Social media and society often push us to put on appearances. Resist comparing your life with others. Remember the main thing: honoring God and building a marriage based on His blueprint.
Enjoy Life Without Guilt
God richly gives us all things to enjoy. Invest in your marriages with vacations that count or even simple date nights. The bottom line is to enjoy the fruit of God’s blessings, knowing the joy of it all glorifies Him too.
Treasure What Truly Matters
Your financial journey together says much about your spiritual priorities. Will you be investing in temporal comfort or eternal treasures? As you bring your finances into alignment with God’s will, you are building a spiritual legacy to the glory of God and for the blessing of your family for generations to come. What will you do today to honor God with your money? The choice is yours, but the rewards are eternal.
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Susan is a mother of four beautiful babies and a born-again Christian. She took over Hope No Matter What in 2024 and enjoys sharing her knowledge of the goodness and faithfulness of God. Her passion is to bring hope and encouragement to others, and she prays that by sharing her knowledge and personal story, she can inspire others to find enlightenment in God's word.