How to Handle Finances in a Christian Marriage: Practical Tips for Building Unity and Peace
Money. It’s something every couple deals with, but in a Christian marriage, finances can feel especially challenging. We’ve all heard that money can’t buy happiness, but it sure can add stress to relationships, and financial struggles often show up as a top cause of conflict for couples. So, how can we manage our money in a way that honors our marriage and our faith?
In this post, we’ll talk through practical financial tips for married couples to manage their money, set a budget, and open up communication about finances—all while building unity and peace. If you’re ready to tackle finances as a team, read on for some advice rooted in faith.
1. Set Financial Goals as a Couple
The first step to handling money in a Christian marriage is setting financial goals together. It doesn’t matter if you’re focused on saving for a home, paying off debt, or building an emergency fund—having a shared goal brings unity and purpose. These goals become a roadmap, helping you make wise financial decisions and stay motivated.
When setting goals, keep faith at the center. Philippians 4:19 promises that “God will meet all your needs according to the riches of his glory in Christ Jesus.” Trust that He’ll provide for you as you work together on your financial journey.
2. Communicate Openly About Finances
If there’s one thing that can make or break a budget, it’s communication. Talking about finances isn’t always easy, especially if you and your spouse have different money habits or comfort levels around spending and saving. But creating an open dialogue is essential. Regular check-ins about your finances build trust, help you stay on track with your goals, and prevent misunderstandings.
In a Christian marriage, money should be a topic that’s safe and stress-free to discuss. Approach these conversations with patience and understanding, as you would with any other area in your relationship. After all, Proverbs 27:17 says, “As iron sharpens iron, so one person sharpens another.”
3. Play to Each Other’s Strengths
One of the best financial tips for couples is to define who handles what based on each other’s strengths. If one of you enjoys budgeting and tracking expenses, and the other has a vision for long-term goals, then divide responsibilities in a way that suits both of you. Working to your strengths not only makes managing finances easier but also builds unity.
In marriage, we’re called to be “one flesh” (Genesis 2:24), and this extends to our finances. Remember that your strengths are meant to support each other. As Proverbs 27:17 reminds us, it’s about sharpening each other’s skills—working together makes you stronger.
4. Decide on Joint or Separate Accounts (and Find What Works)
Every couple wonders: Should we combine finances or keep separate accounts? While there isn’t a one-size-fits-all answer, creating a financial structure that promotes unity is absolutely key. For many couples, a shared account for household expenses and savings works well, with known and transparent separate accounts for personal spending. This keeps both partners involved in the big financial decisions while allowing some freedom for individual needs.
Unity is essential, and when two become one, it’s not just in spirit but in every aspect of life. Ask yourselves, “Are we managing our finances in a way that builds unity in our marriage?” Think through what setup will allow both of you to work as a team and make financial decisions together.
5. Create a Budget and Stick to It
Budgeting may not sound exciting, but it’s essential. A solid budget lets you see exactly where your money is going and helps you make informed choices. It also gives you a chance to set priorities—things like tithing, savings, and covering essentials.
Each month, review your budget together, making adjustments as needed. Budgeting is an opportunity to invite God into your finances, acknowledging that He is in control. Proverbs 3:5 encourages us, “Trust in the Lord with all your heart and lean not on your own understanding.” By trusting God and managing your money wisely, you’re laying a strong foundation for your future together.
6. Handle Disagreements with Patience
Differences in spending and saving habits are common, so don’t be surprised if you and your spouse don’t always see eye-to-eye on finances. When disagreements arise, take a step back, listen to each other, and work through the issue with patience. Remember, your relationship is more important than any financial decision. James 1:19 advises, “Be quick to listen, slow to speak, and slow to become angry.” This approach can help prevent financial struggles from causing deeper issues in your marriage.
7. Pray Together About Your Finances
As Christians, we know that prayer is powerful. Praying together about your finances can bring peace and clarity, reminding you that God is your provider. Whether you’re navigating a season of abundance or facing a tight budget, trust that God is guiding you. Bringing finances before God in prayer strengthens your faith and your marriage.
Final Thoughts
Managing money in a Christian marriage takes teamwork, open communication, and a commitment to keeping God at the center. Embrace the ups and downs of this journey, knowing that with unity, faith, and a clear budget, you can find peace in your finances.
If these financial tips helped you, check out our free resource, Five Prayers Every Couple Needs in Their Relationship. It’s designed to help you and your spouse connect spiritually and seek God’s guidance in every area of your marriage—including finances.
Download your copy at oakhavencompany.com/fiveprayers
With a little planning, a lot of faith, and a commitment to each other, you can build a strong financial foundation that honors God and strengthens your marriage.
