husband with credit card

The SpiritLed Woman podcast is empowering women weekly to follow their purpose in Christ and boldly walk in faith. Listen at

In a marriage, finances are often seen as a place where you can win or lose. Many women spend a great deal of time trying to wield the upper hand in this area because they don't understand their husband's financial philosophy and don't appreciate the way he manages money.

Whether you see your husband as a cheapskate or a spendthrift, you may think it seems logical to counter his approach in order to balance him out. If you decide to beat the cheapskate by talking him into buying something or to conquer the spendthrift by nagging him into saving, your celebration is likely to be both lonely and brief.

Scripture says that there is joy in giving, in honoring and in loving. When you are being good to your husband on purpose, you think in terms of what he prefers. You try to understand his philosophy of money and learn to respect him in spite of, or maybe because of, it.

You will be happiest when you have the attitude that your husband's happiness is one of your greatest joys--when you recognize his wins as your wins, too. Pray for this attitude. Often, the inexplicable result of your prayers is that God uses the attitude He gives you to bless you in ways you could never imagine.

Philosophies of Finances Money is much more than just legal tender or something to exchange for what is desired. In some sense, your husband feels as if the money represents who he is, since he traded part of his life to get it.

Spending habits are really statements about him. They say what he values and how he relates to his environment.

Consider the philosophies of money management that follow, and choose the one that best reflects your husband's attitude about finances--the Saver, the Fun Addict, the Status Seeker, the Artist and the Aspiring Millionaire. Then respect your husband by choosing to look at why he spends money where he does.

The Saver. A saver's goals are control and security. There is much power in withholding. It eliminates risks and minimizes vulnerability. At worst, a saver can use power to frustrate your hopes; but, on the other hand, a saver can provide valuable caution and accumulated resources when needed.

So, how do you thrive in a marriage to a saver? If you are also a saver, little negotiation is required. However, if you are naturally inclined to "shop 'til you drop," you may have to recall the way you originally interpreted his attitude about finances.

No doubt there was a time when you were actually attracted to the stability of a saver--he seemed to be very mature and have good business sense. You weren't wrong then. You just looked at it differently. Look at it again that way, and the temptations you have to call him cheap may go away.

A saver may relax a bit if he is totally convinced that you consider him much more important than his goods. Even if the saver doesn't loosen up right away, by showering him with attention, appreciation and love you can make the wait much more fun.

The Fun Addict. If you married your husband because he was a fun guy and he never changed, you need to respect--look again at--his thinking. A fun addict thinks the slogan "Eat, drink and be merry, for tomorrow we die," is the wisest saying in the world.

A fun addict is likely to frustrate you because it seems as if he just "blows" money. He's the kind of guy who sees no reason at all to keep a life insurance policy when cashing it in would provide enough money to buy two snowmobiles before the last snow of the season melts.

"After all, you said you wanted us to spend more time together," he'll happily explain.

How can you thrive in a marriage to a fun addict? If you are a fun addict, too, then you probably really do enjoy your husband. However, two people who see money only as a means to play can easily come to financial ruin. So, before you go have fun, minimize your chances of poverty: Cut up every credit card you have, pay your bills on time and then play with the remaining cash.

Often, however, it is the serious woman who is drawn to the "fun" man. If that sounds like your situation, the best you may be able to do is get the absolute necessities taken care of and then relax. A fun addict is not going to be interested in a budget.

However, he may be quite willing to enjoy a certain amount (meaning the most that can be spared, not the least you can possibly agree on) that can be spent any way he wants, whenever he wants, without your rolling your eyes. A fun addict adds zest and perspective to life. Enjoy him.

The Status Seeker. A status seeker is always bidding for approval. Voted the one most likely to pick up the check, he always gives the impression that he is running for political office. The status seeker will wait to sense the direction in which the majority of people are about to go; then he will try to get in front of them.

Best Magazine Deal. Subscribe now and get 3 magazines for the price of 1. Get Charisma, SpiritLed Woman and Ministry Today, all for $24. YES - I want this deal!

3 Reasons Why you should read Life in the Spirit. 1) Get to know the Holy Spirit. 2) Learn to enter God's presence 3) Hear God's voice clearly! Click Here to draw closer to God!

Your Turn

Comment Guidelines
View/Add Comments
  • Donald Trump certainly needs your prayers.

    Why You Must Pray for Donald Trump

    Here are eight ways I plan to intercede for President Trump regularly.

  • Pastor Jim Garlow in a file photo shown praying.

    Conservative Christian Leaders Gather in DC, Calling Trump's Election an Answer to Prayer

    "Although the news media is predicting protests, what I'm seeing is that everyone is abuzz ...

  • Inner Healing Is the Fruit of the Spirit

    Inner Healing Is the Fruit of the Spirit

    I have been puzzled about the subject of inner healing for some time.

  • Here's a prophetic word for Washington, D.C.

    Prophecy: The Lord Is Raising Up Daniels in DC

    I believe we're on the precipice of a Third Great Awakening the Lord spoke to my heart about in ...

  • 2017 is the year that swords will clash.

    Prophetic Word: 2017 Will Bring a Clashing of Heaven and Hell

    "This is a time to cross over and not pull back."

  • Bishop Eddie Long died at 63.

    Bishop Eddie Long Dead at 63

    "Although his transition leaves a void for those of us who loved him dearly, we can celebrate ...

  • Roadblock

    6 Roadblocks That Will Stop Your Spiritual Growth

    God wants you to grow in your faith, but many of us get stuck along the way.

  • The devil will try to silence you in any way he can. Don't give him the satisfaction.

    Satan's 2 Most Potent Lies to Render You Ineffective

    There's something in you so powerful that Satan doesn't want it out. Kyle Winkler reveals ...

  • Watch for these danger signals for choosing poorly.

    4 Signs You're Making a Bad Decision

    Avoid distraction and disappointment by testing your choices with these 4 principles.

  • Continue Your Journey with the Holy Spirit

    Continue Your Journey with the Holy Spirit

    Follow God on the most fulfilling journey of your life with Encounter the Holy Spirit! Break away from past hurts and press into the One who wants a personal encounter with you.

  • Dream the Unimaginable In His Presence

    Dream the Unimaginable In His Presence

    Reach your full potential and be led by His Spirit. In His Presence takes you to a deeper understanding of who God is and how he communicates with us.

  • Set Your Spirit on Fire

    Set Your Spirit on Fire

    Receive the power and gifts that come through the Holy Spirit Baptism. Don’t go empty-handed; accept all that He has for you! His power is available to those who ask.

  • Put on the Full Armor of God

    Put on the Full Armor of God

    Break every stronghold with the power of the Holy Spirit. Use the power of your tongue to declare and decree the Word of God. Witness heaven move on your behalf.

Use Desktop Layout
Charisma Magazine — Empowering believers for life in the Spirit