Financial Tips for Couples

Couples should work hard to find ways to talk about money. It’s not the most romantic subject, but it is very important to settle our view, opinions, or rules in handling personal or conjugal money.

It is also important that both husband and wife understand that it will never be “my money” or “your money” but “our money.” When you said, “I do”, it meant you must now use “our money” for the rest of your life.

Hindi po madaling pag-usapan ang pera, pero kailangan talaga. Lalo na kung kayo’y bagong kasal pa lamang. Maigi na habang bata pa, nagsasanay tayo na magkasamang pag-usapan at pag-desisyunan ang alinmang isyu, lalo na kung tungkol sa pera.

Let me share with you these financial tips to help you share a blissful financial life with your spouse. Let’s use L-O-V-E to easily remember them:

Listen. Understanding starts with listening. Talk to your spouse often regarding money matters and understand his/her financial culture and ways. The more you listen, the more you get to know important details behind your spouse’s financial decisions for the family.

Observe. Take a close look at how your spouse handles money. What he says about money and how he actually uses money should be consistent. Try to respectfully point out anything that misses a financial commitment. By observing, you will be able to maintain the discipline necessary to stay and commit to your budget or your spending plan together.

Value. Your spouse is your partner-for-life. Honor God’s gift to you by placing your spouse in high regard. It is likely for your spouse to commit financial mistakes. He or she is also as human as you! Your relationship with your spouse is more important than money.

Encourage. Be very generous with your words. Build your spouse to become the best potential spouse he or she can be. See them the way God sees them. Never give up!

Entrust your finances to God and His principles and He will be faithful to provide for your needs. An operating budget—a financial plan—is a sign that you want to employ God’s biblical wisdom in your finances.

Keep in mind that everything you have belongs to the Lord. As a couple, you own nothing in the long-term sense. You are just managers of what God has provided for you. He blessed your lives by bringing the two of you together, so now honor Him in all that you do as you live your lives as one.

Has this article blessed you? Please tell us about it! You may reach us by sending an email to We are here to help you get started towards the road to true financial freedom.


Jim Reyes is a veteran radio broadcaster, and recently the national director of a Christian media ministry in the Philippines. He has been involved with broadcasting ministries such as FEBC Philippines, United Christian Broadcasters, and TransWorld Radio Philippines. His Utanggalin articles supports the Freedom from Debt Campaign by Crown Financial Philippines, in cooperation with CBN Asia.


  • arsennie geoffrey p fayloga

    kami”y humihingi kasama ang aking boung pamilya ng tulong spiritwal. kami po”y nahaharap sa malaking problemang pinansyal at kasalukuyang nakaburol ang aming ama. tulungan po ninyo kaming ipagdasal ang aming kinakaharap na suliranin. maraming salamat

    • Arsennie, kami ay nakikiramay sa pagkawala ng inyong ama. Kaisa mo kami sa iyong dalangin. Nawa ang kapayapaan mula sa Banal na Espiritu ng Diyos ay patuloy ninyong maranasan. May the Holy Spirit comfort you in every way. God bless you all!

  • arsennie geoffrey p fayloga

    “money is the root of all evil” tama pero pag itoy inilapit mo sa panginoon at hahayaan mo syang maghari. walang imposible pag si Lord ang kumilos.

  • lorie

    can i request your assistance to pray for my family for the complete healing of my 2 kids and mostly sa aming mag asawa, he is in abroad for about 9mos pero until now wala pa rin po kming naiipon at the same time gusto po namin mag business pero hindi pa rin po namin alam kung anong klaseng business ang gusto namin,gulong-gulo na po ako.salamat po.

  • Beth Dimaculangan

    I am requesting for your assistance to pray for the growth of our business. My husband and I decided to put up a computer shop when he came abroad, and we are hoping for God’s guidance and blessings to have our business became successful. And in return, part of its income goes to Church.

    • Beth, our prayer is that God would continually bless all the works of your hands as you faithfully obey His words and His will. May your blessings continually increase as you keep trusting and relying upon Him. God bless you.

  • rochelle

    please pray for my sister she is getting birth for her son by second week of september i hope hindi po siya mahirapan and also our financial

    • Rochelle, kasama kayo sa aming panalangin, nawa ang Diyos na nakakaalam ng lahat ng bagay ay ipagkaloob sa inyo ang lahat ng inyong pangangailangan at ninanais ayon sa Kanyang kalooban. God bless you all!

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