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Money and Marriage

Hi, I'm Karen and I'm a Finance Coach for Christian couples. If you're ready to get on the same financial page and build wealth together, my weekly newsletter is for you. Get practical tips for having positive money conversations, stretching your budget and creating financial unity in your marriage.

a couple happily talking about money
Featured Post

We just kept telling ourselves it would be ok

Dear Reader, For 18 years, Wayne and I told ourselves everything would be fine. It wasn't. But by the 10th of every month we were in overdraft, we couldn't catch a break, and we never talked about it — because every time we tried, it ended in an argument. So we did what most couples do — we pretended it didn't happen. Not because we didn't care or because we were irresponsible, but because the silence felt safer than the fight. Honestly, I wish we'd had someone like me 20 years ago. We had...

A couple happily talking about money

Dear Reader, Imagine this: you and your husband, sitting across from each other with a glass of your favorite beverage, talking about money and it doesn't end in tension. You leave the table feeling excited and hopeful, you are working together on your finances, like a team! That's what these five money dates are for. Each one is simple: an opening prayer, a scripture to share and a few honest questions to talk through together. No judgment, no shame, just the two of you: building unity one...

A couple praying over their Bibles

I'm looking for Christian couples who are committed to honoring God with their finances but feel like they're stuck. Maybe you've tried budgeting before, but it never seems to last. Maybe you keep having the same money conversations or the same money arguments. Maybe you're doing "okay" financially, but you know there's a better way to build unity, eliminate financial stress, and create a plan you both feel confident about. If that sounds like you, reply to this email with UNITY. I have...

Hi Reader, Happy Father's Day. Today is a day to honor the fathers in our lives — the husbands, the dads, the men who show up for their families every single day. But on this Father's Day I want to talk about another Father. The one who holds everything — our finances included — before we even open the spreadsheet. Psalm 24:1 says: The earth is the Lord's, and everything in it. Everything. Including the money coming in this month. Including the bills going out. Including the conversation you...

a couple talking about money happily

Hi Reader, When Wayne and I were focused on paying off debt and building our emergency fund, we noticed that the tighter things felt financially, the more resentment started creeping in, because every little purchase turned into a conversation and every small treat felt like it needed justifying. So we changed one thing — we each set up our own account just for fun money, with a set amount going in by standing order every month, no questions asked and no explaining. If Wayne wants to spend...

a couple looking at their bank statements

Hi Reader, Here's something I see happening in almost all couples I work with. When one person brings up money out of nowhere, the other person shuts down. Not because they don't care — but because they weren't ready. They feel cornered. And a conversation that starts with one person on the defensive almost never ends well. Here's what changes that. Before you bring up money this week, try this instead: "I'd really love for us to [get out of debt / save up an emergency fund / go on that trip...

A couple creating a plan for their money

Hey Reader, Someone said something to me this week that made my whole day. She told me that after using my money plan for a few months, she couldn't live without it. Not "it's been helpful" or "it's made a difference." She couldn't live without it. And that's exactly the kind of thing that reminds me why I do what I do — because when a woman goes from avoiding her finances to not being able to imagine life without a plan, something has fundamentally shifted not just in her bank account but in...

Hey Reader, My husband has been at the Church Conference in Dallas, Texas this week and within 12 hours of landing he had already found his way to the shops and bought himself a cowboy hat. And here's the thing, I haven't even asked him how much it was. Because I don't need to know. Now, if you'd told me a few years ago that my husband would be in Dallas buying cowboy hats and I wouldn't need to know the price, I wouldn't have believed you. Because for years, trips like this meant one thing:...

Hey Reader, I remember exactly where I was. It was August 2021 and my husband had just finished listening to an audiobook on personal finance, and when he put his headphones down he looked at me and said "let's do this" — just like that, no drama, no big moment, just three words that changed everything. That evening we sat down together, put all the numbers on the table and made a plan, and the next morning I woke up feeling something I hadn't felt in a long time — hope. Not because...

A couple looking at their budget together

Hey Reader, I still remember the day I found out. We were in debt and my husband bought a PlayStation. I was furious, not really about the PlayStation, but because we weren't on the same team with money. Maybe you've had a moment like that. Or maybe things are fine, but money conversations in your house are just... tense. A little awkward, something you both avoid. Either way, I get it. After years of working this out in my own marriage, and helping other couples do the same, I know one thing...