Christian Marriage Advice: Should We Have Joint Accounts?

by Kimberly
(USA)

Question:
My husband and I have been married for the past 12 years and have 4 children. We do not have our finances together. He has his account and I have mine? I have repeatedly ask him to put them together, but he always gives me some excuse. So therefore there is always an argument about money, and the lack there of. I feel as though we are room-mates rather than husband and wife. Are there some scriptures that i can refer to that will help me in this situation?"

Answer:
Although we believe Christian couples should have one joint account for paying bills and separate personal spending accounts, there are no scriptures that specifically address husbands and wives combining their finances. It is a matter of preference.

Although joint accounts are a matter of preference, God requires us all to be good stewards over everything He has given us, including money. This is because technically it all belongs to Him. See 1 Chronicles 29:11-16; Luke 16:10-13; and 1 Corinthians 6:20.

If your husband is not willing to have joint accounts, perhaps he would be willing to learn more about finances. We recommend Dave Ramsey. His material is excellent. I checked his site today and many of his products are on sale for $10.

Go to: https://www.daveramsey.com/store/c10.html?ictid=sml
We make no money from your purchase, we just think his material is good; plus he's a Christian.

Kimberly, keep in mind your husband ultimately has the final decision and you must submit to him. God is holding him responsible for the household,so don't try to force him to do it your way. Even if your lights get cut off, let the chips fall where they may. Do not step in and save the day no matter how hard it is. Pray for your husband daily. It has been said that most financial problems are indicators of some other problem. Ask God to reveal the real problem.

Look into the material by Dave Ramsey and let us know how it goes. Remember, don't argue with him. He is the head and as the head, God is holding him responsible when your home is out of order, not you. See Genesis 3:17 where Adam was held accountable for the choice of Eve because he was the head.

Stay encouraged. Stay prayerful. And trust God to bring about a change. We are praying for you as well.

Love in Christ,
Mike and Wanda
http://www.christian-marriage-today.com/christian-marriage-advice.html