Money matters in marriage

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Money matters in marriage

  1. 1. COUPLES AGLOW SEMINAR <br />1<br />MONEY MATTERS IN MARRIAGE<br />2 July 2011<br />DELIVERANCE CHURCH<br />
  2. 2. 2 July 2011<br />MONEY MATTERS IN MARRIAGE<br />2<br />Money Matters in Marriage<br />Presented by: Bro. Henry Mahugu Wanjohi<br />
  3. 3. MONEY MATTERS:<br />Power & Control<br />Stewardship<br />Investments<br />Retirement<br />3<br />MONEY MATTERS IN MARRIAGE<br />2 July 2011<br />
  4. 4. 2 July 2011<br />MONEY MATTERS IN MARRIAGE<br />4<br />POWER & CONTROL<br />
  5. 5. Husband/Wife Balance<br />Agreement on Operating Standards<br />Power & Control Struggle<br />Amos 3:3<br />Marriage<br />Eagle vs. Duck <br />Combination<br />
  6. 6. Vision:<br />Till death do us part.<br />Relationship Maturity curve<br />Maturity<br />Living together<br />> 24yrs<br />4<br />Accepting one <br />Another<br />15 – 24yrs<br />3<br />2<br />Coping and<br /> Understanding one another<br />7 – 14 yrs<br />1<br />Meeting and <br />knowing one another<br />1 – 7yrs <br />0<br />Time (Yrs)<br />How soon do you give up?<br />When do you give up?<br />What do you give up?<br />Where do you give up?<br />
  7. 7. Sources of Stress<br />Politics<br />In-Laws<br />School Fees<br />Death<br />Family<br />Marriage<br />Home Ownership<br />Matthew 11:29-30<br />“Take my yoke upon you and learn from me..”<br />Ageing<br />Boss<br />Retirement<br />Spouse<br />Clothing<br />Debts<br />Health<br />Security<br />Money<br />
  8. 8. STEWARDSHIP<br />8<br />MONEY MATTERS IN MARRIAGE<br />2 July 2011<br />
  9. 9. Stewardship - Definition <br />In general stewardship is the responsibility for taking good care of resources entrusted to someone. <br />9<br />MONEY MATTERS IN MARRIAGE<br />2 July 2011<br />
  10. 10. Stewardship in Christianity <br />In a Christian context, stewardship refers to the responsibility that Christians have for the gifts that God has bestowed on them. In some settings, stewardship is operationalised as time, talent and treasure. <br />In this context: (Management of 3Ts)<br />Stewardship = Time + Talent + Treasure<br />10<br />MONEY MATTERS IN MARRIAGE<br />2 July 2011<br />
  11. 11. 2 July 2011<br />MONEY MATTERS IN MARRIAGE<br />11<br />Investment driven by Stewardship<br />God Rewards Stewardship<br />Knowledge<br />Understanding<br />Wisdom<br />Isa. 11 <br />
  12. 12. Definitions:<br />Time quantifies or measures the interval between events, or the duration of events.<br />A gift can be a special talent or ability that was not earned through the usual amount of long and difficult practice but instead comes easily to the recipient in a natural way.<br />Treasure is a concentration of riches, often that which is considered lost or forgotten until being rediscovered <br />12<br />MONEY MATTERS IN MARRIAGE<br />2 July 2011<br />
  13. 13. Treasures in Heaven <br />Do not store up for yourselves treasures on earth, where moths and vermin destroy, and where thieves break in and steal <br />(Matthew 6:19)<br />For where your treasure is, there your heart will be also(Matthew 6:21)<br />13<br />MONEY MATTERS IN MARRIAGE<br />2 July 2011<br />
  14. 14. Retirement Quotes:<br />The question isn't at what age I want to retire, it's at what income.  ~George Foreman<br />Don't simply retire from something; have something to retire to.  ~Harry Emerson Fosdick<br />Retirement kills more people than hard work ever did.  ~Malcolm Forbes<br />14<br />MONEY MATTERS IN MARRIAGE<br />2 July 2011<br />
  15. 15. INVESTMENTS<br />15<br />MONEY MATTERS IN MARRIAGE<br />2 July 2011<br />
  16. 16. 2 July 2011<br />MONEY MATTERS IN MARRIAGE<br />16<br />INVESTMENTS During your Youth<br />
  17. 17. 2 July 2011<br />MONEY MATTERS IN MARRIAGE<br />17<br />
  18. 18. 18<br />MONEY MATTERS IN MARRIAGE<br />2 July 2011<br />
  19. 19. Net savings Invested in a house<br />Note Interest expense<br />Scenario 1<br />19<br />MONEY MATTERS IN MARRIAGE<br />2 July 2011<br />
  20. 20. 5 Yrs<br />Additional Kshs. 3K<br />Scenario 2<br />Savings<br />20<br />MONEY MATTERS IN MARRIAGE<br />2 July 2011<br />
  21. 21. Reduce Period by almost 50%<br />Additional Kshs. 8K<br />Scenario 3<br />Notice Impact<br />21<br />MONEY MATTERS IN MARRIAGE<br />2 July 2011<br />
  22. 22. Principal amount increases<br />Change Interest Rate<br />Pay same amount<br />22<br />MONEY MATTERS IN MARRIAGE<br />2 July 2011<br />
  23. 23. RETIREMENT<br />Cycle<br />(Investment in old age)<br />23<br />MONEY MATTERS IN MARRIAGE<br />2 July 2011<br />
  24. 24. IN YOUR 20s <br />Key points: <br />Focus on clearing your debts. <br />But make sure you open an Investment plan. <br />Then save what you can afford. <br />IN YOUR 30s <br />Key points: <br />Reassess your debts and outgoings <br />Join your company pension scheme as soon as possible <br />Think long-term with your investments. <br />IN YOUR 40s <br />Key points: <br />If you haven't started saving, do something about it! <br />Keep building your Investment Account. <br />Your earnings should be peaking - dedicate some to a pension<br />IN YOUR 50s <br />Key points: <br />Maximise your contributions <br />Remove risk from your pension investment plan <br />Consider using a Self Investment Personal Plan for greater control<br />IN YOUR 60s <br />Key points: <br />Check that all your debts, including mortgage, are in order <br />Decide on whether you'll buy an annuity immediately or take drawdown <br />Talk to an expert before you take any action.<br /><ul><li>70yrs</li></ul>Retire happily<br />24<br />MONEY MATTERS IN MARRIAGE<br />2 July 2011<br />Handover Assets<br />
  25. 25. 2 July 2011<br />MONEY MATTERS IN MARRIAGE<br />25<br />Transferred Value Kes. 100K<br />NB: Some people started with ZERO<br />Transferred Values<br />KES. 800K<br />Transferred Value Kes. 1.5M<br />Children receive accumulated blessings<br />Prov. 20:21 An inheritance claimed too soon will not be blessed at the end.<br />
  26. 26. 2 July 2011<br />MONEY MATTERS IN MARRIAGE<br />26<br />Facts & Figures<br />Subject to TAX<br />
  27. 27. 2 July 2011<br />MONEY MATTERS IN MARRIAGE<br />27<br />Thank You & God richly Bless you.<br />

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