Money can be a high point of contention between husband and wife. Communication and a plan will go a long way to easing the tension. By understanding, communication and a plan I’m confident you will see greater levels of peace and harmony in your marriage!

Our Family Business

I like to start by introducing the concept that you and your spouse are partners in your family business. I’ve heard different rules about if couples should have separate bank accounts or joint, separate mailboxes or not, the list goes on. But remember, we only have one of two goals in our marriage relationship: connection or disconnection. So rather than worrying about what rules to follow or not, ask yourselves, “Is this decision bringing us into connection or disconnection?”.


The next stop along the way is to talk through your goals. Talk about your financial goals and your life goals, which will take money. This is an important step. It is also important to not set limits on your own or your spouse’s goals in this step. Remember, God will give you the desires of your heart when you take delight in Him. Psalm 37:4

Your goals will need to have a monthly dollar value assigned to them. For instance, if you want to have $1,200 available at the end of the year for vacation, you would designate $100 per month.

Budgeting For Goals

Finally, once you have set your goals, you will need to decide on a budgeting method. Unfortunately, there are dozens of options available. Let me tell you about two from Dave Ramsey.

From his Financial Peace University, he introduces a concept of cash envelopes versus spending money directly from your checking account. Every time you get paid, you cash your check and bring it home. Remember our $1,200 vacation goal? If you are paid every 2 weeks, then you would take $50 from each paycheck and place it in the envelope.

The second way to budget is by using his Every Dollar app and website. To learn more about Financial Peace University and the Every Dollar App, go to his website at