The third class was taught by the youth Pastor and his wife. Only three of us attended that class. It was just perfect however.
I did my homework and had a discussion with Curtis. Every time I wanted to talk about money, he would roll his eyes and sigh. Then he would say "We don't have any. There we talked." So I prefaced it by telling him how much we bring in monthly and that the talk is "good news".
With the children out of the house for at least an hour, I pulled up the tracking system (Mint) that I use. Then we talked. It was a good talk. It was a short talk. Here it is and this is what we need to do. He was happy. I was satisfied and then we watched Deadliest Catch together.
Here are our goals:
- Pay off the house in four years.
- Have an emergency fund with 3 months salary
- Resume the college fund.
- Pay the credit card off each month.
Finances & Relationships
Reviewing Biblical Principals
- It's God's money.
- It's our responsibility.
- You should be pursuing devotion to God together.
- "What are our financial goals in light of God's purposes?"
- "What is the best way to pursue these goals together?"
- Problem #1 - I don't trust God.
- Problem #2 - I don't trust my spouse.
- Problem #3 - I'm selfish.
- Problem #4 - Old habits die hard.
- Problem #5 - We don't know how to communicate about money.
Path To Healing
1. Talk to God.
- Ask Him to search your heart.
- Ask Him to bring healing in those areas of struggle.
- Pray for your spouse
2. Talk to your spouse.
- Set a day and time to talk.
- Pray together before you start talking.
- Express your love for and commitment to one another
- .No raising your voice/yelling.
- No accusing. "You always...I never..."
- Take turns talking.
- Lay it all out.
- Ask for and give forgiveness.
- Embrace your spouse's financial past.
- Discuss your financial goals in light of God's purposes.
- Make an action plan.
Money & Other Relatives
- You have a responsibility to care for your relatives. 1 Timothy 5:3-16
- You are especially responsible to care for your household. 1 Timothy 5:8
- This responsibility ends at needs; it's not about wants.
- Don't make loans to family.
When Husband & Wife Disagree
- The husband has the authority to make the final decision. Ephesians 5:22-24
- This is also true for unbelieving husbands. 1 Peter 3:1-6
- Such decisions must be made with love and understanding. Ephesians 5:25
Spouses - Have a discussion; set financial goals.
Singles - Continue to seek a financial accountability buddy.
Everyone - Write down and bring a list of monthly expenses (including things that are paid every 3 to 6 months) and a list of incoming cash flow. We start budgeting next time.