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Marriage Matters Partnering in Finance$ April 29, 2012 Skip and Catherine Galanes.

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Presentation on theme: "Marriage Matters Partnering in Finance$ April 29, 2012 Skip and Catherine Galanes."— Presentation transcript:

1 Marriage Matters Partnering in Finance$ April 29, 2012 Skip and Catherine Galanes

2 About Us Personal BackgroundPersonal Background Financial TrainingFinancial Training Spiritual ConvictionSpiritual Conviction

3 The Pull of the Culture vs. The Heart and Mind of God Subtle or not so subtle warSubtle or not so subtle war Needs vs. wantsNeeds vs. wants Daily messagesDaily messages

4 Is God part of the problem? He gives us many good things to enjoyHe gives us many good things to enjoy Allows us the freedom of choiceAllows us the freedom of choice Requires us to be managers not ownersRequires us to be managers not owners

5 Danger of Materialism “The subtle power of materialism is that it has the power to blind us to the power of materialism.” Timothy Keller

6 Cultural Myths “Things bring happiness” “Debt is expected and unavoidable” “A little more money will solve all our problems.”

7 Myth Buster #1 “Things bring happiness” Then he said to them, “Watch out! Be on your guard against all kinds of greed; a man’s life does not consist in the abundance of his possessions.” Luke 12:15 Then he said to them, “Watch out! Be on your guard against all kinds of greed; a man’s life does not consist in the abundance of his possessions.” Luke 12:15

8 Myth Buster #2 “Debt is expected and unavoidable” So do not worry, saying, ‘What shall we eat?’ or ‘What shall we drink?’ or ‘What shall we wear?’ For the pagans run after all these things, and your heavenly Father knows that you need them. But seek first his kingdom and his righteousness, and all these things will be given to you as well Matthew 6:31-33

9 Myth Buster #3 “A little more money will solve all our problems.” Whoever loves money never has money enough; Whoever loves wealth is never satisfied with his income. Ecclesiastes 5:10

10 The Bible and Wealth Command those who are rich in this present world not to be arrogant nor to put their hope in wealth, which is so uncertain, but to put their hope in God, who richly provides us with everything for our enjoyment. Command them to do good, to be rich in good deeds, and to be generous and willing to share. In this way they will lay up treasure for themselves as a firm foundation for the coming age, so that they may take hold of the life that is truly life. 1Timothy 6:17-19

11 Thought Questions for Couples Are we rich materially?Are we rich materially? Are we arrogant?Are we arrogant? Where are we putting our hope?Where are we putting our hope? Are we enjoying God’s provisions wisely?Are we enjoying God’s provisions wisely? Are we being generous?Are we being generous? What are we holding on to?What are we holding on to? Are we storing up treasure in heaven?Are we storing up treasure in heaven?

12 God Cares About Our Finances More verses in the Bible than on any other subjectMore verses in the Bible than on any other subject God promises to meet our needs (but not necessarily our wants)God promises to meet our needs (but not necessarily our wants) Real power in our spiritual lives when our finances are being handled according to God’s will.Real power in our spiritual lives when our finances are being handled according to God’s will. Real power in a marriage when spouses agree on spiritual and financial priorities.Real power in a marriage when spouses agree on spiritual and financial priorities.

13 God wants us to be: Diligent EarnersColossians 3:23Diligent EarnersColossians 3:23 Generous GiversMatt. 6:19-20; Prov. 11:25Generous GiversMatt. 6:19-20; Prov. 11:25 Wise SaversProverbs 6:6-8Wise SaversProverbs 6:6-8 Prudent SpendersLuke 12:15Prudent SpendersLuke 12:15 Cautious DebtorsProverbs 22:7Cautious DebtorsProverbs 22:7

14 Materialistic God Honoring Transitional Order Order Order LifestyleGiving Give something DebtSaving Save a little GivingLifestyle Maximize debt repayment Saving Moderate (frugal) lifestyle 10/10/80 Rule

15 Creating a Financial Partnership Now that we know the basics on an individual level, how do we transition to a financial partnership ? Partners NOT competitorsPartners NOT competitors Financial infidelity is as dangerous to a marriage as sexual infidelityFinancial infidelity is as dangerous to a marriage as sexual infidelity

16 Our Attitude as Financial Partners Ownership: Whose money is it?Ownership: Whose money is it? Contentment: Philippians 4:11-12Contentment: Philippians 4:11-12 Prudent: Planning vs. going with the flowPrudent: Planning vs. going with the flow Good stewardship: Matthew 25:13-40Good stewardship: Matthew 25:13-40

17 Financial Partners Need to understand your spouse’sNeed to understand your spouse’s –Money Motivation –Money Autobiography Partners plan together to work towards common goals and dreamsPartners plan together to work towards common goals and dreams

18 The Benefits of a Spending Plan are: Gives us factsGives us facts Motivates/improves communicationMotivates/improves communication Moderates impulse spendingModerates impulse spending Avoids wasteAvoids waste Aligns spending and prioritiesAligns spending and priorities Leads to financial and spiritual freedomLeads to financial and spiritual freedom

19 Items to Agree On Be prudent—give and save enough coming up with a giving and saving plan to meet your goalsBe prudent—give and save enough coming up with a giving and saving plan to meet your goals Know your needs vs. wants trust God to provide your needsKnow your needs vs. wants trust God to provide your needs Balance your Spending PlanBalance your Spending Plan Have a strategy to manage cashHave a strategy to manage cash

20 Items to agree on Guard against too much debt Lifestyle choicesGuard against too much debt Lifestyle choices Get out of consumer debt No credit card balances at month endGet out of consumer debt No credit card balances at month end Allowances for each spouse or childrenAllowances for each spouse or children Spending limit requiring joint agreementSpending limit requiring joint agreement Gifts for relatives and friendsGifts for relatives and friends

21 Final Words “God has blessed me with more than I need: I am rich. But I will not trust in my riches, but in God who richly provides. Because I have more, I will do more and give more. I will look at my stuff through the lens of eternity and grab onto life that is truly life.” Andy Stanley How To Be Rich (paraphrase of 1 Timothy 6:17-19)

22 Final Words Give firstGive first Save secondSave second Live on the restLive on the rest 10/10/80 rule10/10/80 rule

23 A shameless plug Freed Up Financial Living: Offered as part of the Adult Discipleship Curriculum in the November/December block and in the February/March block. See the Adult Discipleship brochure in the fall of 2012 Our contact information:


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