"When Joe, 64, a computer professional in Massachusetts, married for the first time, he was 31 and very in love.
"She was attracted to me because I had structure; I was attracted to her because she was a lot of fun," said Joe.
He had noticed some financial red flags while they were dating: She always carried a credit card balance and liked buying expensive gifts for people. Still, he said, he wasn't fazed: "I never thought about it, because it wasn't my problem."
After they married, though, his new wife's spending habits became Joe's problem.
"She could drain a checking account in no time," he recalled. Joe describes himself as an avid saver, and his and his wife's financial differences became the cause of bad fights. "I couldn't stand being broke all the time and really struggling to pay the bills, and she didn't like the restriction of me saying we can't afford this," he said. 'We kind of drove each other into corners. She became more irresponsible and I became more rigid." Joe and his wife divorced after three years, largely because of financial differences," writes Stacey Vanek Smith in the March 26, 2013 The New York Times article "Money Talk Before Marriage A Tip You Can't Disparage."
Judas Iscariot divorced Jesus Christ in about three years also, and money seems to have played a major role. Judas, one of Jesus' original 12 apostles, didn't approve of Jesus' money management methods. In the Bible book of Matthew chapter 26 after a woman pours an alabaster flask of very expensive perfume on Jesus' head, Judas divorces Jesus.
"An archaic and infrequently used name for the Wednesday before Easter is "Spy Wednesday", named for Judas' becoming a spy for the Sanhedrin," writes Joe Carter, editor for The Gospel Coalition, in his March 25, 2013, article "9 Things You Should Know About Holy Week." For 30 pieces of silver Judas tells the Sanhedrin where to capture Jesus. Once Jesus is captured, later in the week on Friday Jesus is crucified. On Sunday, Jesus rose from the dead, having paid the sin debt for each person who will receive Him into their life for eternity.
The Chinese invented paper money which they originally called "flying money" because it was so light and easily flew out of people's hand. The generosity of Jesus frustrated and disappointed Judas. Money seemed to fly out of Jesus' hand. Judas wanted enough on hand for his desires, including theft.
An African proverb says, "Work is good, provided you do not forget to live." Jesus sees money as a tool to live well and to do good. Jesus says in Luke 16:9 Amplified Bible, "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)."
The more money possessed, the more responsibility to do good. The Complete Jewish Bible says in 1 Timothy 6:17-19, "As for those who do have riches in this present world, charge them not to be proud and not to let their hopes rest on the uncertainties of riches but to rest their hopes on God, who richly provides us with all things for our enjoyment. Charge them to do good, to be rich in good deeds, to be generous and ready to share. In this way they will treasure up for themselves a good foundation for the future, so that they may lay hold of the real life."
Conflict over differences in the management of money and sex are among the top reasons husbands and wives do not have un matrimonio de pasión y sorpresa and some end up seeking un divorcio. Instead of allowing differences to divide, why not ask God to help you find a way to diversity in unity? God the Son Jesus Christ and God the Father are different and unified. Jesus Christ prayed for believers in John 17:21 English Standard Version Bible, "That they may all be one, just as you, Father, are in me, and I in you, that they also may be in us, so that the world may believe that you have sent me."
What are some ways Jesus Christ has brought diversity in unity to your marriage or your singleness?
Showing posts with label Credit Cards. Show all posts
Showing posts with label Credit Cards. Show all posts
Wednesday, March 27, 2013
Wednesday, January 30, 2013
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.
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.
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