• Skip to main content
  • Skip to primary sidebar
  • Skip to footer

  • About
    • About us
    • Why SeedTime?
    • Our Beliefs
    • The Story of SeedTime
  • Podcast
  • Free Book
    • Get your 1st copy free (+S&H)
    • Order multiple copies here
  • Programs
    • Login
    • Mission-Driven Millionaire
    • True Financial Freedom
    • The Real Money Method (unbudgeting) course
    • The 10x Investing course
  • Churches
  • Blog
    • The 14 Financial Tools We Actually Use
    • Our strategy for giving away millions
    • 5 Bible Verses You Should Know (Free PDF)
    • 25 Ways to Save Money
    • Why we began giving our age as a percentage
    • My Checklist To Financial Freedom (Free PDF)
    • Tithing: an honest look and what we do
    • Why I took a Sabbatical YEAR (and how I did it)
    • How to travel for FREE [161 hotel nights and 103 flights all free]
    • 4 Financial Lessons from Solomon: The Richest Man Ever
    • How to become a millionaire by turning $2k into $1 mil
    • How to get out of credit card debt (Free PDF)
    • How I made $2,145 Last Month by decluttering
    • How I Broke Free From the Rat Race (in less than 2 years)
    • We just checked off the biggest goal in our life
    • Our Honest Medi-Share Review after 14 years
    • 4 Money Habits To Start (that basically guarantee financial success)
  • Email

7 Simple Rules To Stop Fighting About Money

written by Rich Avery | Saving Money

Want to finally stop fighting about money with your spouse? These are 7 simple rules that you can start applying to your life today that will end those fights about money!...Dissension in marriage is often caused by conflicting financial priorities. So if you want to experience greater harmony and unity in your marriage, you won't go wrong by finding ways to create greater harmony and unity in your finances. While money disagreements can cause stress and strain in marriage, I believe the opposite is also true: Agreement and harmony about money can cause a greater sense of oneness in marriage....

Dissension in marriage is often caused by conflicting financial priorities.

So if you want to experience greater harmony and unity in your marriage, you won’t go wrong by finding ways to create greater harmony and unity in your finances.

While money disagreements can cause stress and strain in marriage, I believe the opposite is also true: Agreement and harmony about money can cause a greater sense of oneness in marriage.

Want to stop fighting about money?

Here are some financial practices that can go a long way to help you increase harmony in your finances and oneness in your marriage:

1. Be Generous Givers

I think the most important thing a couple can do to impact their finances is to commit to regular giving back to the Lord. My wife and I agreed to tithe early in our marriage, and back then, giving 10% seemed like a big hardship. I know others must feel that way too, since the average Christian gives just 3% of their income to the church or other causes.

Tithing worked to bring us closer together because we needed to pray that God would take what’s left, after tithe and taxes, and stretch it and make it grow to meet our needs. Somehow, God always did, and our needs were met.

As we’ve grown in the grace of giving throughout our 20 years of marriage so far, we’ve experienced God’s provision, blessing, generosity, and faithfulness in amazing ways. And we’ve found that the 10% giving benchmark established in the Old Testament was a great place for us to start, but a sad place for us to stay. We’ve decided to increase our giving percentage each year as the Lord provides.

2. Set Financial Goals

Setting financial goals together – and creating a plan or framework for achieving them – is a vital key to your financial success. Take the time to dream about or brainstorm what you want your finances to look like over the next one, three, and five years, then identify the steps you can take to achieve those goals.

Some couples I know go away for a weekend each year just to work on their family’s goals for the coming year. My wife and I recently set aside about half the day on New Year’s Day to work through our financial goals and priorities for the coming year.

Here are just a few budget categories you might set goals for:

  • Savings
  • Giving
  • Retirement
  • Education for your kids
  • Vacations and travel
  • Weddings for your kids

3. Create a Monthly Spending Plan and Review Regularly

Once you’ve identified your financial goals, the next step is to create a spending plan or budget that reflects those goals. Some people think of spending plans or budgets as restrictive or negative. I’ve certainly thought that way before, but gratefully, I’ve learned that spending plans actually give you more freedom by helping you achieve your predetermined goals.

You’re more likely to be financially organized, current on your bills, and saving money for the future if you have a plan. Without one, you’ll tend to spend without thinking and will often end up with more month than money.

But don’t just create a spending plan without also setting aside time to review it. My wife and I review ours every two weeks, on my paydays. Others might decide to do it monthly.

4. Keep Joint Accounts and No Secrets

Make a commitment to keep no secrets between each other, and to open joint accounts, not individual ones. Many couples who keep separate accounts get into trouble down the line when one spouse buys more things than the other spouse knew about.

Someone I know recently shared how heartbroken their daughter was to discover that her husband had been racking up thousands of dollars in charges on a secret credit card. As you can imagine, this has caused an enormous amount of financial and emotional strain on the family – and will take years to pay off.

5. Learn to Live on One Income Early

This is my best advice for young couples: Learn to live on only one income. That way, if you decide that one spouse should stay home with the kids at some point, it’s no hardship because you can live on the other person’s income. And the best part is that you should have a really nice savings fund built up!

We’ve known couples who have struggled financially and emotionally when mom wanted to stay home with the kids, because her heart was calling her to stay home, but the lifestyle they were trying to maintain required her to work.

It was a bit of a challenge for us at first when our first child was born and we decided to have my wife stay home. The Lord provided in some pretty neat ways, and we’ve never regretted the decision. But we’ve always wished we had learned to live on one income during our first four years of marriage before our first child, so we would have had a nice nest egg saved up. A few of our friends did that, and they’re reaping the financial benefits today.

6. Give Each Person their Own Spending Money or Allowance

While I believe it is important to share joint ownership of all your financial accounts, I think it is equally important that husbands and wives each have their own budget line item for “pocket money” or “allowance” to cover things like lunches, haircuts, coffee, clothes, hobbies, etc. That way, each person has some flexibility and freedom to make their own choices.

7. Keep it Simple and Organized

Keep your finances as simple as possible, and do your best to stay organized. Bad things happen when one spouse understands what’s going on and the other doesn’t, or when your financial papers are scattered about and no one can find the bills or information they need when they need them.

While you’re getting organized, create a special file or envelope to store important financial information that will be needed in case one of you dies, or in case of an emergency. In it, include info on the location of your wills, safety deposit box keys, keys to your home safe, life insurance policies, bank and retirement account information, etc.

And as a rule of thumb, if you’re considering a financial investment or maneuver that your spouse does not understand, it is probably best to leave it alone instead of leaving them in the dark.

This recent interview that I did with Talaat McNeely about how he and his wife recovered from financial infidelity gives a firsthand example of the importance of transparency with your spouse and how you can stop the money fights before they begin.

[mv_video key=”gvuins3jrwpaqi6am8ge” volume=”70″ sticky=”false” ratio=””]

Following any or all of these rules in marriage will help you and your spouse grow in greater financial and relational intimacy and oneness. What else would you add to this list? Leave a comment!

Related posts:

  1. Biblically responsible investing: should Christians invest in morally questionable companies?
  2. 3 Keys to Making REAL Money (that Few Are Doing)
  3. How to cast your cares on the Lord with your finances
  4. The Bubble Taurus & the lessons learned

About Rich Avery

Rich is an ordained minister, life coach, writer, entrepreneur, and director of a faith-based nonprofit organization. His mission in life is to help people discover their life’s purpose, do the work they love, achieve their dreams and live to their full potential in all areas of life – not just their work or career. Read more from Rich at morethanapastor.com.

IFCFH Book of the Year
"The best combination of personal finance and the Christian faith that I’ve read"
– James T. (SMRL reviewer)

In this biblically sound and grace-filled money book, you'll discover the NEW rules of money that will transform your financial life. Say goodbye to outdated advice and hello to a simple, automated system that helps you achieve better results with less time and effort.

"The best combination of personal finance and the Christian faith that I’ve read"
Learn more
We earn a commission if you make a purchase, at no additional cost to you.

Primary Sidebar

Bob Lotich

Hi there! We are Bob & Linda Lotich. Jesus followers, authors, podcasters, and undying fans of Michael Scott.

This site contains the lessons we learned on our journey from being stingy, debt-ridden fools, to being able to reach our biggest financial goal of giving $1 million by age 40, having zero debt & a paid off house by age 31, and peace with money in the process.

Now we share our best lessons with people like you, groups, and churches with our Award-winning book Simple Money, Rich Life and our 6-week video course True Financial Freedom.

Grab our book!

Simple Money Rich Life

Legal Disclaimer

The articles on this site should not be taken as financial advice. Please contact a financial advisor (or coach) for specific advice regarding your situation. Any references to interest rates, giveaways, deals, products, and websites are subject to change without notice. We try our best to keep the information current, but things are always changing so it may be different now than when it was first published. Also, all the pages on SeedTime help us pay the bills by using affiliate relationships with Amazon, Google, eBay and others but our opinions are NEVER for sale. Find out more here.

Footer



SeedTime is a 2x Plutus award winning website.
seedtime money logo



SeedTime BBB Business Review
seedtime instagram seedtime money youtube channel seedtime money twitter with Bob Lotich


Our book Simple Money, Rich Life was named 2022 book of the year!
  • Home
  • About
  • Beliefs
  • Blog
  • Courses
  • Churches
  • Press
  • Shop
  • Affiliates
  • Login

Privacy Policy | Terms | Reviews | Earnings Disclaimer | Contact | 636-344-0438
625 Bakers Bridge Ave Suite 105-134 Franklin, TN 37067
©2007-2025 · SeedTime (Formerly ChristianPF)