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Money and differing opinions on how to manage it, has long been a top reason for divorce, even in Christian marriages.  One spouse may be a spender, the other a saver. One may never balance a checkbook, the other balances it down to the penny and will spend hours tracking down purchases if the checkbook is off by just a few cents.


God gives us money through our vocations and other means, but it is up to us to be good stewards of that money.  Are you and your spouse “on different pages” when it comes to money management?

Here are some tips to prevent money from being a thorn in your marriage:

  1. As with any topic, pray about money.  Pray that God will help you manage it in a way that is pleasing to Him.
  2. No matter how tempting to keep separate accounts, have joint bank accounts.  This encourages transparency and avoids secrets in how each of you spend your money.  If you have separate bank accounts, how would you feel if your husband looked over your bank statements?  If you have nothing to hide, you are on the right track. If you don’t want your husband to see how much money you spent at the mall or the craft store, I recommend praying about this issue and asking God to reveal to you what needs to change.  Is it by combing your bank accounts?  Setting aside time each month to look over each other’s statements?  Perhaps, it is changing the way you spend money.

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When money, including bank accounts, are separate, it encourages a “his and mine” mentality.  This can be dangerous in a marriage and can provide the flint to spark fights in a marriage.







“Seek first the kingdom of God and his righteousness, and all these things will be added to you.” – Matthew 6:33

3. Talk with your spouse about money.  Preferably before you get married, but even if you have been married for years, this is important. Discuss tithing, saving, priorities on what to spend money on.  Decide who will pay the bills and what “checks and balances” you will put in place for accountability.

4. Keep good records of money.  No matter which spouse manages the checkbook, both should know where to find important financial records and how to read them.

Bible Verses About Money

5.  Together, increase your knowledge about money.  Take a course, read a book about investing together, watch videos on how interest works.

6. Create a budget together.  When you look at how the money in your house is being spent, you find opportunities to improve and plan for the future.  It’s recommended that you look over your budget at least once a month to make sure you are staying on track.  If you find that you are spending more (or less) every month on certain areas of your budget, it’s time to adjust the budget and look for additional ways to save.

7.  Set guidelines for how to spend money.  In my house, any purchase over $100 requires both spouses to agree.  It may be more or less in your home, but if you set these standards in advance, you are less likely to have arguments later about how money is spent.


7 Tips For Managing Money


A note on tithing: If both spouses are Christians, they know that giving God the first tenth is commanded in the Bible. Tithing is God-ordained and our first priority should be pleasing Him.  If you are married to an unbeliever, this area is a bit more tricky, but the wife is to submit to her husband in order to lead him to the Lord.

 Wives, in the same way submit yourselves to your own husbands so that, if any of them do not believe the word, they may be won over without words by the behavior of their wives,

1 Peter 3:1-6

For more about budgeting and monthly bill paying, see this previous post with free printables.

Since this issue can be quite a polarizing one for many marriages, the resources you seek should be biblical and proven.  The below recommendations meet both criteria:

What would you add about managing finances in the Christian marriage? I’d love to hear from you.

Are you ready to live a Proverbs 31 Life and deepen your relationship with God, strengthen your marriage and better manage your home?  Consider taking the Intro to Proverbs 31 Mini Course or joining the Faith Filled Home Monthly Membership program for Christian wives.

Because He Lives,


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