NEW! Intimate Connections

Take Our Current Survey

Three Things Survey

Answer a quick question about what you would like to have more of in your marriage

Popular Series

Click the arrow to show/hide series

Search Journey to Surrender

Blog Archive

Wednesday, September 16, 2015

Moving forward in financial oneness means getting real and valuing each other's perspectives.

In many marriages financial styles and perspectives differ between spouses. One might be a spender and another a saver. One might place a high value on "stuff" while the other might not care about keeping up with the Jones's. One might want to spend on hobbies or a second home, but the other may see travel as a higher priority.

As I said in my last post, 4 Reasons You Need Financial Intimacy, money and sex are actually pretty closely related to each other. Sexually speaking, differences such as drive levels, interest in exploration, best times of day and preference for different activities can all be places for misunderstanding and hurt. The truth is that most spouses are unevenly matched when it comes to sex. For example, in my recent sexual satisfaction survey, only 9% of individuals felt that their sex drive was about evenly matched with their spouse.

Although the factors that cause sexual strife are not the same as those involved in financial discord, such differences tend to be where the strife shows up. Regardless, just like with sex, differences over money are no reason to forgo financial intimacy.

Wherever your marriage is in the financial arena, it may be time to take a fresh look at this area together. And "together" is hugely important if you want to improve intimacy.

1) Come Clean

Intimacy, regardless of whether it is physical, emotional or financial, starts with being fully known. That means both of you getting real with where you are about money.

The starting point for this is to confess any secrets such as spending, hidden accounts or any deceptions. Whatever comes out, find room in your heart to forgive one another. Holding past mistakes over each other's heads will prevent you from moving closer together. As difficult as it might be to believe in the midst of what might feel like betrayal, grace is the best invitation to intimacy. On the other hand shame and guilt will drive you apart.

The next step is to be honest with each other about where you are financially. Share areas of concern and stress. Talk honestly about your different styles in handing money. Check your communication effectiveness where money is concerned. Are you okay with which of you does the bulk of the money management? Are both of you sufficiently involved?

As you talk, do your best to listen and not react defensively to each other's feelings. Acknowledge that many differences over money don't amount to right and wrong (the exception beings any secrets), but to a difference in perspectives.

2) Dream a Little

With all the cards on the table, talk about your hopes and dreams for the future. Then consider together what kind of financial framework will be required to reach those goals.

Is early retirement a goal?  One spouse staying home with the kids? College plans for the kids? Travel? A first (or second) home? Vacations? All of these goals require that you have matching financial goals to attain them.

And to go along with the goals you need to...

3) Make a Plan

All financial planning revolves around making (and keeping) a budget. As Dave Ramsey says, "Give each dollar a name." For some people the budgeting process will feel like nails on a chalkboard. For some having a budget will alleviate a lot of stress and uncertainty over money.

The most important thing about the budgeting process is that you both have input and buy-in. Regardless of whether one partner is more involved with managing the money and bills, you need to be in complete agreement on the budget. If you need some help here, Dave Ramsey has some great tools for budgeting.

Here's a little personal story that might help the reluctant spouse with the idea of making and keeping a budget. We have been budgeting since very early in our marriage. But Jenni has not always had a strong conviction about keeping track of expenses. It was just another thing on her list to get done. During a communication workshop we had the opportunity to discuss our feelings over finances.  As I shared my perspective, she came to understand that doing better in this area would actually significantly reduce my overall stress. She realized that it would actually be helping me personally and not just taking care of something on her list. It wasn't just about the budget per se, but about a way to help me out.  It gave her the motivation to be more consistent.

4) Check in Regularly

Effective budgeting is something that requires monitoring. Sit down together at the end of each month, and maybe half way through, to gauge how it's going. Look for areas where spending is off plan (and there are always those areas).  See where you need to modify your budget or spending or make other adjustments.

Track your progress toward saving goals as well. If you have investments, it's a good idea to review those regularly. This is an opportunity for the more involved spouse to bring the less-involved spouse up to speed with your financial situation.

These four steps are simple, but not necessarily easy. It will require diligence, honesty, and most of all, grace. Remember that your relationship and your desire for intimacy come before your bank balance or your ability to stay on-budget.  Honor each other and value your differing perspectives.

Do you have some other ideas that would promote financial Intimacy in marriage?  Leave a comment.


Unknown said...

1north face women's
new balance shoes
reebok pumps for sale
nike outlet online
polo shirts for women
kevin durant shoes
michael kors outlet
michael kors bags clearance
polo shirts outlet
salvatore ferragamo belt
cheap michael kors bags
cheap nike shoes
nike air max 90
ghd flat iron
converse outlet
michael kors outlet online sale
kate spade
coach handbags outlet
north face kids jackets
michael kors outlet store
tods shoes
ugg boots on sale 70% off
uggs sale
north face jackets
gucci sunglasses outlet
cheap kd shoes
burberry handbags
celine outlet
north face coat
rolex watches for men
michael kors outlet online
under armour outlet
coach handbags outlet
jordan outlet
under armour clearance
new balance outlet
nike outlet store online shopping
coach wallets
air jordan 13
coach factory outlet
hermes outlet
red sole shoes
north face outlet store
north face jackets for women

Unknown said...

louboutin shoes
the north face outlet
nike shoes wholesale
ugg boots sale
north face jackets
gucci shoes for men
rolex watches for women
cheap wholesale jordans
celine handbags
juicy couture outlet
gucci sunglasses
fitflops clearance
air jordan shoes for sale
nike running shoes
cheap north face
coach purse
celine outlet
jordan retro 11
michael kors outlet online sale
coach factory outlet online
fitflop shoes
coach factory store online
christian louboutin outlet
michael kors bags clearance
coach handbags
celine bags
dior outlet store
canada goose coats on sale
red bottom shoes
coach purses outlet
oakley sunglasses cheap
nike air max 90
jordan shoes
salomon boots
jordan retro 6
michael kors outlet online
gucci shoes
jordan shoes for women
jordan 3
fitflop shoes
columbia outlet stores
coach factory online
coach factory outlet
1016 wjl

Post a Comment

Note: Only a member of this blog may post a comment.

We Have Moved!

Journey to Surrender
is now

Stay here if you want to search old content.

Click on over if you want to see the latest and greatest!

Connect With Us

Subscribe by email and never miss a post!

New subscribers will receive a free copy of my ebook :

How to Have a Succ-Sex-Full Marriage

My new Heaven Made Marriage Facebook page has lots of extra marriage-related stuff not found on my blog.

Follow Journey to Surrender on Twitter: @marriagejourney.

Subscribe via

Member of:
Christian Marriage Bloggers Association Members Badge

Contributing Writer: