When you made the decision to marry your spouse, what were your expectations about how the family finances were going to be handled? Did you even have any? Marriage and money go hand in hand. When there is unity in handling money God’s way, it helps lead to unity in your marriage as well. Whether you are a newlywed or married for 50 years, in this class, you will learn what the Bible says about handling money God’s way and the importance of this in our marriages. Come and learn how to have unity in money and in your marriage. If you enjoy this, please visit my Daily Dependence website for Daily Encouragement, Scriptures, and Inspirational Thoughts to help place your Dependence on God! You can follow me at www.facebook.com/DailyDependence

4. “40% of people are living beyond their means.”
“70% of Americans are living paycheck to paycheck,
one step away from bankruptcy!”
“The #1 cause of divorce in America is
financial disagreements”

6.  God’s plan for Marriage
 The differences between Men and Women
 God’s plan for our Finances
 The differences in people’s views of money
 How the enemy uses all these differences to
attack marriages

9. “For our struggle is not against flesh and
blood, but against the rulers, against the
authorities, against the powers of this dark
world and against the spiritual forces of evil
in the heavenly realms.” Ephesians 6:12

13. 1 John 4:4
“You are from God, little children, and
have overcome them; because
greater is He who is in you [Jesus]
than he who is in the world.” [Satan]
Pastor Jack Graham

19. The President ordered the
The President ordered the
Department of Justice
Department of Justice
to abandon defending the
to abandon defending the
“Defense of of
“Defense
Marriage Act” ”
Marriage Act
or DOMA in the Courts.
or DOMA in the Courts.
DOMA defines marriage as
DOMA defines
a legal union between one
union between
man and one woman
man and one woman

21. 5-5-12
2-23-11
• DOMA • Announced
• Time • Abandon Repeal Bill • Presidential Supreme
Article Defending Passed in Support of Court to
DOMA the Senate Same-Sex enter battle
11-29-10 Marriage
11-10-11 12-7-12

22. "Marriage is the original and
most important institution for
sustaining the health,
education, and welfare of all.
Where marriage erodes,
social pathologies rise. The
impulse to redefine marriage
is a symptom, rather than the
cause, of the erosion of the
marriage culture.
Manhattan Declaration Excerpt

23. “If a kingdom is divided against itself, that
kingdom cannot stand.”
“If a house is divided against itself, that house
will not be able to stand.” Mark 3:24-25

24. “Can two walk together,
unless they are agreed?” Amos 3:3 (NKJV)
“90% of the friction of daily life is caused
by the wrong tone of voice.” Unknown

25. Marriage is a gift from God and a special
covenant with each other.

26. “Wives, understand
and support your
husbands by
submitting to them in
Husbands, go all out
ways that honor the
in love for your wives.
Master.”
Don't take advantage
of them.

27. “Now as the church
submits to Christ, so
also wives should
“Husbands, submit to their
love your wives, just husbands in
as Christ loved the everything.”
church and gave
himself up for her…”

28. “Submit yourselves, then, to God.
Resist the devil, and he will flee from you.”

29. “The difference
between the sexes
and how they
relate to one
another is
biochemically
based and can be
found in our
hormones.”

30. Men… Women…
 Release the hormone,  Release the hormone,
Testosterone to deal Oxytocin to deal with stress,
with Stress
 “Emergency hormone”
 Released in situations that  Released in safe, cooperative,
require urgency, sacrifice for a caring, supportive and
noble cause and problem solving nurturing situations

31. Testosterone is: Oxytocin is
 Hormone of desire  Hormone of Love for a
for a man woman
 He feels romantic and  She feels happy in love
passionate when levels when levels are high
are high

32. “Heart Disease is most often triggered by
unresolved emotional issues like financial
stress, divorce, loneliness or an inability
to effectively communicate with a child
or Spouse.”

33. I will give thanks to You,
for I am fearfully and wonderfully made;
wonderful are your works,
and my soul knows it very well.
Psalm 139:14 (NASB)

35. Unity in Marriage will only happen if God is
at the center of the marriage and…

36. …as the husband and wife who have “become one flesh”, move
closer to God, they will get closer to one another.

38. "A person standing alone can be
attacked and defeated, but two [husband and wife]
can stand back-to-back and conquer.
Three [with God at the center] are even better,
for a triple-braided cord is not easily broken."
Ecclesiastes 4:12 (NLT)

43. “In order to have a
financially successful marriage,
the money has to be ‘ours’...not ‘mine’ and ‘yours’.”
Dave Ramsey

44. The Book of
Matthew, Chapter 6
Outlines God’s
view of Money

48. Do not store up for yourselves
treasures on earth, where moth and rust
destroy, and where thieves break in
and steal. Matthew 6:19 (NASB)

49. “I want it and I want it now”
“Don’t have enough”
“Keeping up with the Joneses’”
“The rich rules over the poor, And the borrower
becomes the lender's slave.” Proverbs 22:7 (NASB)
“Godliness with contentment is great gain.”
1 Timothy 6:6 (NKJV)

50. “When you go “The devil leads us
into debt you into debt so he can
are asking keep us in bondage
someone else and keep us from
other than God doing great things
to meet your for God and His
needs.” kingdom.”
Pastor Barry Cameron, ABC’s of Financial Freedom

51. “American's spent $1.7 billion on fast food
with credit/debit cards in 2000.”
“In 2008, that number had climbed to $70.4
billion.” CardTrak.com
“Debt is not the problem, but a symptom.
Debt is a symptom of overspending and undersaving.”
Dave Ramsey
“It's stupid to try to get something for nothing, or
run up huge bills you can never pay.”
Proverbs 17:18 (MSG)

52. “If you cannot be content
with what you have, you
will never be content
with what you want.”
Howard Dayton, Crown Financial Ministries

53. “I can do all things
through Him who strengthens me.”
Philippians 4:13
“And my God will supply all your needs
according to His riches in glory in
Christ Jesus.”
Philippians 4:19

54. “All the church wants is my money”
“Can’t afford to lose 10% of my income”
“I will give after I pay my other bills”
“Is it on the Gross or the Net?”
“But store up for yourselves treasures in
heaven, where neither moth nor rust
destroys, and where thieves do not break in
or steal;” Matthew 6:20 (NASB)

55. “The earth is the Lord’s and EVERYTHING in it,
the world, and ALL who live in it.”
Psalm 24:1

56. “Bring the whole tithe into the
storehouse, that there may be
“Can’t afford to losehouse. of my income”
food in my 10%
Test me in this,”
says the LORD Almighty, “and see if I will not
throw open the floodgates of Heaven and
pour out so much blessing that you will not
have room enough for it.
I will prevent pests from devouring your
crops, and the vines in your fields will not
cast their fruit,” says the LORD Almighty.
Malachi 3:10-11 (NIV1984)

57. “I will give after I pay my other bills”
“Honor the LORD with your wealth,
with the first fruits of all your crops;
then your barns will be filled to overflowing,
and your vats will brim over with new wine.”
Proverbs 3:9–10 (NIV)

58. Deuteronomy 8:18 (NASB)
"But you shall remember the
LORD your God, for it is He who is giving you
power to make wealth…”

59. “It doesn’t take faith to pay all your
bills and THEN give to God.
Put the kingdom of God FIRST…and
see what happens to your provision!”
Pastor Robert Morris

60. “Is it on the Gross or the Net?”
“Give, and it will be given to you.
A good measure, pressed down, shaken
together and running over, will be poured into
your lap. For with the measure you use, it will
be measured to you.” Luke 6:38 (NIV1984)

62. “God’s BLESSING
on you is always in proportion to
your DEPENDENCE on Him.
Great anointing is the fruit of great trusting.”
Pastor Rick Warren
"Each man should give what he has decided
in his heart to give, not reluctantly or under
compulsion, for God loves a cheerful giver."
2 Corinthians 9:7 (NIV1984)

63. 1. the office, duties, and obligations of a steward
(which is defined as a fiscal agent or manager).
2. the conducting, supervising, or managing of
something; especially: the careful and responsible
management of something entrusted to one's care.

64. “It’s my money”
“Live for today”
“I need the money more than the church”
“…for where your treasure is, there your heart
will be also.” Matthew 6:21 (NASB)
2/3 of the parables that Jesus taught are about
money, possessions and stewardship.

65. “Many believers aren’t aware of this, but
EVERY TIME
you get paid, you are facing a test.”
Pastor Robert Morris

66. “Whoever can be trusted with very little can
also be trusted with much, and whoever is
dishonest with very little will also be dishonest
with much. So if you have not been trustworthy
in handling worldly wealth, who will trust you
with true riches?”
Luke 16:10-11 (NIV1984)

67. "A budget is telling your money
where to go instead of wondering
where it went.“ John Maxwell

69. “ doing the same thing over and
over and expecting different
results ”

70. “When you agree on your spending…
you are agreeing on your value system,
you are agreeing on your goals,
you are agreeing on your dreams,
you are even agreeing on your fears…
the ‘Budget’ takes all the knots out of your
Marriage and you will get oneness in your
marriage and unity.” Dave Ramsey

71. “More money will make me happy”
“He who dies with the most toys wins!”
“I don’t have the money but
I will just throw it on the credit card”
"No one can serve two masters;
for either he will hate the one and love the
other, or he will be devoted to one and
despise the other. You cannot serve God and
wealth.” Matthew 6:24 (NASB)

72. “More money will make me happy”
“He who dies with the most toys wins!”
“I don’t have the money but
I will just throw it on the credit card”
“For the love of money is the root of all kinds
of evil. And some people, craving money, have
wandered from the true faith and pierced
themselves with many sorrows”
I Timothy 6:10 (NLT)

73. “I am the provider”
“What will I do if I lose my job?”
“I cant afford to tithe, I need to save every
dime because you never know,
AKA Hoarding”
"For this reason I say to you, do not be worried about
your life, as to what you will eat or what you will
drink; nor for your body, as to what you will put on.
Is not life more than food, and the body more than
clothing? And who of you by being worried can add
a single hour to his life?” Matthew 6:25, 27 (NASB)

75. “I am the provider”
“What will I do if I lose my job?”
“I cant afford to tithe, I need to save every
dime because you never know,
AKA Hoarding”
“Be still,
and know that I am God;
I will be exalted among the nations,
I will be exalted in the earth!”
Psalm 46:10

76. Philippians 4:6
“Be anxious for nothing, but in
everything by prayer and supplication
with thanksgiving let your requests be
made known to God.”

77. “Do not care about the future,
so long as I have what I want now”
“Pay the Debt Forward”
“But seek first His kingdom and His
righteousness, and all these things will be
added to you.” Matthew 6:33 (NASB)

78. “Do not care about the future,
so long as I have what I want now”
“Pay the Debt Forward”
“But if anyone does not provide
for his own, and especially for those of his
household, he has denied the faith and is
worse than an unbeliever.”
1 Timothy 5:8 (NASB)

79. “Do not care about the future,
so long as I have what I want now”
“Pay the Debt Forward”
“A good man leaves an inheritance for his
children's children, but a sinner's wealth is
stored up for the righteous.
Proverbs 13:22 (NIV1984)

81. Prayer Word Worship
“Commit to the LORD whatever you do, and your
plans will succeed. The LORD works out everything
for his own ends.” Proverbs 16:3

82. “The more you pray, the less you’ll panic.
The more you worship, the less you worry.
You’ll feel more patient and less pressured.”
Pastor Rick Warren

83.  Teamwork = Unity in Marriage
“Be completely humble and gentle; be
patient, bearing with one another in love.”
Ephesians 4:2
"Coming together is a beginning.
Keeping together is progress.
Working together is success."
~ James E. Hunton

84.  Forgive One another
“In your anger do not sin”: Do not let the sun
go down while you are still angry, and do not
give the devil a foothold.” Ephesians 4:26-27
“Be kind and compassionate to one another,
forgiving each other, just as in Christ God
forgave you.” Ephesians 4:32

85.  Think Before You Speak
“A gentle answer deflects anger, but harsh words
make tempers flare.” Proverbs 15:1
“Pleasant words are like a honeycomb, sweetness
to the soul and health to the bones.”
Proverbs 16:24

86.  Work on Budget Together =
Unity in your Finances will result
“Good planning and hard work lead to
prosperity, but hasty shortcuts lead to
poverty.” Proverbs 21:5
“Steady plodding brings prosperity.”
Proverbs 21:5 (TLB)

87.  Learn, Learn, Learn
“Commit to being a lifetime learner”
~ Zig Ziglar
“Winning at money is
80% behavior and 20% head knowledge.”
~ Dave Ramsey

88. “There is a choice that you have to
make, in everything you do.
So keep in the mind that in the end,
the choice you make, makes you.”
John Wooden