Counsels on Relationships

Counsel #15 — Budget Buddies

Picture: Counsel #15 — Budget Buddies CR 249.1

Before pursuing a covenant commitment, many couples get marriage counseling to make sure they’re aligned in the most important areas of life, including money management. If your income is sufficient to cover your expenses, it’s not necessarily how much money you have in your bank account that matters, but how well you manage it. CR 249.2

During a marriage, it’s essential for both parties to agree on how they will manage their money. If the husband is frugal, but the wife spends all her money before the week is out, frustration will be inevitable in the relationship. A simple budget, created by both spouses, reduces anxiety over who’s responsible for paying which bill. Most importantly, both people should identify their priorities, starting with tithing and essential expenses, and the spouse who manages money best should take the lead on paying bills. It’s also wise to agree on boundaries. For example, decide on a spending limit that both are comfortable with - this protects trust and avoids surprises that could trigger stress or resentment. Each spouse should also have a small personal amount to spend each month, which allows for individuality while maintaining transparency. Overall, financial decisions are spiritual decisions. By honoring God first, He will give you wisdom in this important area of life.^[264] CR 249.3

“For where your treasure is, there your heart will be also.” Matthew 6:21 NIV CR 249.4

“Money has great value, because it can do great good.” Ellen White in Christian Service, p. 220 CR 249.5

Reflect: What money management strategies work best for you and your spouse? CR 249.6