The document provides guidance on managing finances in marriage from a biblical perspective. It discusses that money should not be loved over God and can destroy relationships if not properly managed. It encourages couples to be good stewards of what God provides and to make financial decisions together with integrity, trust, and open communication. Key issues that can harm marriages if not addressed include debt, lack of budgeting, selfishness over money, materialism, and failing to prioritize God and family over possessions.

2. Money Matters in a Marriage
• Guiding Scriptures!
• Marriage Killers!
• Before you say I do!
• Issues that rear heir ugly heads.
• Responsibilities? Roles. Attitudes.
• A Godly Plan? Earthly
Priorities?(Needs! Wants?)

3. Scriptural Principles :“…the love of money……1 Tim. 6:10
• Commit to the Lord. Seek ye first… God first and all….Matt. 6:33
• “One Flesh”. Be partners, “a house divided….” Mark 3:25
• Man is the “head”/woman is a “help meet” suitable for... Gen. 2
• “Covetousness”is sinful and can destroy relationships. Heb.18:5
• ***Stewards of God’s gifts. Be a good steward. (Don’t waste,
send for the wrong reasons, (Pride, lust, greed, slothful)provide
for your family. Joseph’s story in Genesis.*Be trustworthy &
spend with integrity.
• “Love of money”. Accumulation is not the goal(1 Cor. 16:2), nor
is living on the edge.
• Giving on the first day of the week. 2 Cor. 9:7 “purposes in his...”
• “Count the cost”. Luke 14:28
• “Esteem others better …..”. God, family, others. Phil. 2:4
• Can’t take it with you. “For we brought nothing….1 Tim. 6:7
• Richer or Poorer? Vows. Numbers 30:32 Matt. 5:37, Yea…Nay

4. Before You Say, “I Do!” Consider…
• Are you about to marry someone with a strong
work ethic? Trust!
• Are you prepared to leave your father’s
house? In other words, are you ready to leave
the established lifestyle of your parents (most
have worked twenty or thirty years to attain
the lifestyle they have now)
• Are you prepared to live on a budget.
• Are you comfortable with the amount of
money you and your future spouse make
before starting your marriage?
• Do you think you should wait until you have? If
so, how will you know when enough is
enough? Patience is a …….

5. Money Problems : Marriage Killer!: Public Enemy # 1
Debt!• Causes:
• 1. Can’t afford it!
• 2. Lack of work! Lose job.
• 3. Impatience!
• 4. Credit cards!
• 5. Lack of communication!
• 6. Mismanagement! No Plan.
• 8. Living outside your
means!
• 9. Catastrophes(Medical-
etc.)
• Gambling. Addictions. Poor
Investments.

6. Issues that can rear their ugly heads!
• Materialism. “Joneses!” “Stuff!”
“Green Eyed Monster!” Pride.
Keeping Appearances.
• Entitlement. Breadwinners!
• Power struggle over control. Whose
money is it? Selfishness.(We
mentality is needed. Team effort.
• Children. “Give me!” “I want!/need!”
“Tommy’s parents….
• Family. Helping you or
themselves…..?
• Overworking? Workaholic? Priority?
• Overspending or overly thrifty.
• Stress that comes from mishandling
funds. One or Both spouses.

7. Responsibilities and Roles
Together with God.
• Whose money is it?
• Who has the final say in a dispute?
• Who checks the accounts? Manages
the money?
• Letting each other know when you
have spent money.
• Issues of dual accounts.
• Managing the accounts:
• Balancing
• Moving accounts.
• Adding or removing funds.
• Checks.
• Taxes.
• Trust is essential.

8. A Godly
Plan
• Set Goals-Short and long
range.
• Paying Out Priorities.
• God-Myself-Mandatory-
Recreational
• Budget : Stick to it! Focus
on reality not the world.
• Define Roles.
• Communication.
Meetings. Records. Be
Transparent.
• Pray. Phil. 4:6-7
• Budget:
• Church contribution
(purposeful)
• Pay yourselves.
• Emergency fund-Retirement-
Recreational.
• Pay your Bills. Don’t create
unnecessary debt. Get out of
debt and stay out of debt.
• *As a Christian be aware and
look for opportunities to help
others.
• Just because there is money left
over from the budget does not
mean you have to spend it. Like
Dieting.

9. Money Matters Questions.
• Who in a marriage should be in charge of
the finances?
• Is it wise to have separate accounts?
• What is the first step towards financial
stability?
• List financial problems that can manifest
themselves to a point they can destroy a
marriage.
• List scriptures or Christian principles that
can protect and enhance our marriage.