The Great Debate: Who handles the money?

My husband and I work together on our finances. There are certain things that he is better at than I am and vice versa. My husband is the sole income earner. With his income we have both decided on what and where we should invest our money. These things are taken out of our income each pay period automatically.

When making decisions on what to invest in and how much to invest I give my input and he makes the final decision. I don’t always agree with his decisions but I grant him the freedom to lead financially.

My husband also does all of the financial leg work as far as paying the actual bills and managing the checkbook. Neither of us make major purchases without discussing it with the other and have decided that major is anything above $5.00.

We have chosen to be debt free and we understand that in order to do that we must agree to adhere to a certain lifestyle. Although we both have different methods to handling the finances, the thing that makes it work for us is that we share common financial goals.


1. Tithes come first. We will not rob God to pay any other financial obligations.

2. Then investments. We must plan for our financial future. Investments, life, medical and disability insurance must be maintained.

3. Reduce debts. We have waged a personal war against debt and have chosen to live well beneath our means in order to pay it off as soon as possible.

4. Have fun. We seek out opportunities to get the things that we want for a fraction of the cost. Wait for sales, shop after holidays, buy second hand and share the cost. When we travel we may travel with family or friends in order to have a great time at a fraction of the price.

Our foundation for handling our finances is taken from the book of Esther and from 2 Kings 4:8-10. In the book of Esther King Ahasuerus was willing to grant Esther’s petition up to half of the kingdom. She knew that what her king had was hers for the asking. This is a great example of a man who doesn’t try to control with money or power and a women who is satisfied with what her husband has provided for her.

2 Kings 4:8-10 gives us an example of a wife who asks her husband permission before investing in the construction of a room for Elisha. This woman was financially successful but still asked for her husband’s permission before constructing the room for Elisha. Does this mean that a wife cannot consider a item and buy it? (Proverbs 31:16) No, it doesn’t. Women can make financial decisions without the input of their husbands so long as he has agreed to that arrangement.

Whatever method you use to handle finances just be sure to search out Gods’ word to determine whether it is pleasing to God. Pray and seek His direction concerning his desire for your family.

How are finances handled in your home? Please Comment.


  1. ~ Angi :) says

    Well, I come from a different scenario, as I was widowed with children when my [current] husband arrived on the scene. We determined that with each of us having our own set of financial obligations, it was prudent to continue our course as is. [An austerity plan of debt reduction which probably looks similar to yours, i.e. denial of self to serve the greater good of no debt.] As the past couple years have gone by, we’ve been integrating those areas that have been separate. In the not so far away future, we will have completely combined finances.

    We have chosen to withdraw from the stock market, due to our beliefs concerning the days of difficulty ahead.

    We do honor each other by discussing major purchases, and we purchase with cash and/or immediate payment post electronic transaction.


  2. Earthmommy says

    I love this post, Hadias! Thanks for the insight. Lately my hubby and I have been discussing the finances together more and more, but we have a long way to go. We have mutually decided to be debt free though and will have been so for a year in the summer.

    How did you get started in investing? That’s something we’re really interested in.


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