Financial Infidelity

Psalm 18:25 New Living Translation Bible says, "To the faithful you show yourself faithful; to those with integrity you show integrity." We often receive what we give. Many of us desire transparency, trust and true love, but live contrary to our beliefs. Financial infidelity is rampant in marriages because we are not faithful in our management of finances which enables our spouses to be unfaithful. Common transparency and trust sins are failing to discuss and unite around financial values and goals, creating and maintaining an atmosphere of unequal knowledge about all family finances, hiding credit card statements, demanding bank statements for your-eyes-only via email, hiding paychecks, secret spending sprees, failing to appreciate each others money management styles, failing to create and cooperate with a mutually-agreed-upon money management system, etc. Prayer and asking God and ones spouse for forgiveness are a start to fixing financial infidelity.
  
Next empathize to enable understanding of a spouse who may have a different money management style from our own. We are not all motivated by the same things. Some of us are motivated by authority or attention. Others are motivated by acceptance or accuracy. God made us different because He likes diversity. We can learn about God by studying diversity. Cherish the God in your spouse instead of habitual criticizing.

Both men and women need to be well informed about money and financial issues. Some wives sin in leaving all or most of the responsibility for household finances with their husbands. It's a dangerous way to live with 50 percent of marriages ending in divorce and age 56 being the average age of widowhood. 

Someone motivated by authority views money as power. They are highly productive, focused and hardworking. They always seem to have a vision. Having vision is godly. Proverbs 29:18 Amplified Bible says, "Where there is no vision [no redemptive revelation of God], the people perish; but he who keeps the law [of God, which includes that of man]--blessed (happy, fortunate, and enviable) is he." They have clear ideas to manage large budgets and large challenges and take large risks. They have to be careful to remember that personal relationships with people are just as important as the big vision. Jesus Christ says in John 13:34-35 English Standard Version, "A new commandment I give to you, that you love one another: just as I have loved you, you also are to love one another. By this all people will know that you are my disciples, if you have love for one another."

Someone motivated by attention views money as a way to connect with people and to create memories. They are very generous. Generosity is a way to expand the kingdom of God. Luke 16:9 Amplified Bible says, "And I tell you, make friends for yourselves by means of unrighteous mammon (deceitful riches, money, possessions), so that when it fails, they [those you have favored] may receive and welcome you into the everlasting habitations (dwellings)." They have to be careful not to overspend and to value savings and investments.

Someone motivated by acceptance desires to live in peace. They want simplicity and balance around money issues not living in the stress of spending more than a family makes. They value getting along with each other and cooperation. Romans 12:18 New Living Translation Bible says, "Do all that you can to live in peace with everyone." They need to make sure they confront money issues as needed and not pursue peace at any price.

Someone motivated by accuracy desires to follow a specific money management system. They are emotionally attached to a budget. If the budget is $100.00 a week for groceries; spending $110.00 will probably cause an argument. They are big on saving, loss prevention, planning, counting their money and assets and minimizing their liabilities. They like to be in the know, and don't like surprises. Proverbs 27:23 Amplified Bible says, "Be diligent to know the state of your flocks, and look well to your herds." God is for savings and investments and having more than enough. Psalm 33:7 Amplified Bible says, "He gathers the waters of the sea as in a bottle; He puts the deeps in storage places." Those motivated by accuracy have to be careful as they accumulate more financial resources not to place their security in resources instead of God. They also have to guard against stinginess. While we want to have more than enough, they have to sometimes remember spending and giving are good; money and financial resources are tools to be used for the glory of God in all areas of living. 

After understanding and empathizing with our spouse comes seeking ways to cooperate and collaborate. View differences positively. Lose attitudes of superiority. Mutual respect and participation in money management are vital. God made each one of us unique, so our way of coming together in money management will be unique. Coming together involves:

    praying, 
    forgiving, 
    brainstorming, 
    talking, 
    studying, 
    researching, 
    committing to each other and agreements and 
    meditating on the agreements to live them out daily. 

Sometimes a spouse struggles to forgive a bankruptcy, large gambling debt, huge investment failure, a housing foreclosure, a job or business loss, a lack of job promotion or business growth or some other financial failure. Joyce Meyer writes in her book, Love Out Loud 365 Devotions for Loving God, Loving Yourself, and Loving Others, "Do you hold unforgiveness toward anyone for any reason? If so, it needs to be eliminated from your heart and mind right away because it's keeping you in bondage. You may be thinking, Well, Joyce, that's easy for you to say. You haven't been hurt like I have. That is true, but I have been hurt in life to a very deep degree. I was abused, abandoned, rejected, blamed, lied about, misunderstood, and betrayed by family and friends, and I allowed the enemy to fill my heart with hatred for those who hurt me. But when I began to learn about love, I moved from hatred to bitterness to mild resentment and finally to freedom, which only comes through forgiveness. The Lord graciously brought restitution into my life. God promises to bring justice into our lives and to give us a double reward for our former shame, pain, and unfair treatment (See Isa. 61:7). When we try to bring justice ourselves through vengeful acts, we only prevent God from working on our behalf."

Money challenges are not always the result of negative life experiences. When a spouse retires before age 50, starts a business, inherits a large sum of money and/or property or some other significant, positive, financial experience, the other spouse may experience feelings of jealousy, envy, resentment and/or other negative emotions and attitudes. All emotions and attitudes impact the atmosphere in a marriage. Proverbs 14:30 Amplified Bible says, "A calm and undisturbed mind and heart are the life and health of the body, but envy, jealousy, and wrath are like rottenness of the bones." Proverbs 27:4 Amplified Bible says, "Wrath is cruel and anger is an overwhelming flood, but who is able to stand before jealousy?"

Money and other financial issues can be very difficult to discuss. Be sure to rely on the Holy-Spirit-given fruit of self-control and the wisdom of our Christ mind to manage our emotions. Ravi Zacharias counsels in his sermon, "Divided Heart, Divided Home," "But if good advice is to be effective. It should be timed rightly." Converse at times that are convenient for both members of the couple. Lynn Toler says in her book, Making Marriage Work New Rules For An Old Institution, "If you think of communication as the Superman of relationships, Right Now is Kryptonite. Right Now is when the issue first arises. Right Now is when you are mad. Right Now is when the hurt you feel about what he or she has done is felt for the first time. Right Now is good for arguments, catharses, and contention. Right Now is almost never amenable to a conversation."

It also doesn't hurt to create a calming environment for conversation. Perhaps putting on Lonnie Plaxico's Melange jazz album, or one of your favorite albums, or whatever it is that you both enjoy and find edifying for conversation. The little things that show you took the time and effort to know what pleases a person can really communicate love. Dr. Derek Grier writes in his book, 60 Minutes of Wisdom Insight In An Instant, "John Maxwell, an expert on gaining personal influence, states, "People do not care how much you know until they know how much you care." In other words, before you attempt to direct, you must connect."

If financial infidelity has visited our home, living according to Biblical principles will encourage financial infidelity to leave as an unwelcome guest.