“70% of Americans are living paycheck to paycheck, one step away from bankruptcy!”

“The #1 cause of divorce in America is financial disagreements”

“40% of people are living beyond their means.”

God’s plan for Marriage

The differences between Men and Women

God’s plan for our Finances

The differences in people’s views of money

How the enemy uses all these differences to attack marriages

“For our struggle is not against flesh and blood, but against the rulers, against the

authorities, against the powers of this dark world and against the spiritual forces of evil

in the heavenly realms.” Ephesians 6:12

1 John 4:4

“You are from God, little children, and have overcome them; because

greater is He who is in you [Jesus] than he who is in the world.” [Satan]

Pastor Jack Graham

The President ordered the Department of Justice

to abandon defending the

“Defense of Marriage Act”

or DOMA in the Courts.

DOMA defines marriage as a legal union between one

man and one woman

The President ordered the

Department of Justice

to abandon defending the

“Defense of

Marriage Act”

or DOMA in the Courts.

DOMA defines marriage as

a legal union between one

man and one woman

• Time Article

11-29-10

• Abandon Defending DOMA

2-23-11 • DOMA

Repeal Bill Passed in the Senate

11-10-11

• Presidential Support of Same-Sex Marriage

5-5-12 • Announced

Supreme Court to enter battle

12-7-12

"Marriage is the original and

most important institution for

sustaining the health,

education, and welfare of all.

Where marriage erodes,

social pathologies rise. The

impulse to redefine marriage

is a symptom, rather than the

cause, of the erosion of the

marriage culture.

Manhattan Declaration Excerpt

“If a kingdom is divided against itself, that kingdom cannot stand.”

“If a house is divided against itself, that house will not be able to stand.” Mark 3:24-25

“Can two walk together, unless they are agreed?” Amos 3:3 (NKJV)

“90% of the friction of daily life is caused by the wrong tone of voice.” Unknown

Marriage is a gift from God and a special covenant with each other.

Husbands, go all out in love for your wives. Don't take advantage

of them.

“Wives, understand and support your

husbands by submitting to them in ways that honor the

Master.”

“Husbands, love your wives, just as Christ loved the church and gave

himself up for her…”

“Now as the church submits to Christ, so

also wives should submit to their husbands in everything.”

“Submit yourselves, then, to God. Resist the devil, and he will flee from you.”

“The difference

between the sexes

and how they

relate to one

another is

biochemically

based and can be

found in our

hormones.”

Women… Release the hormone,

Oxytocin to deal with stress, Released in safe, cooperative,

caring, supportive and nurturing situations

Men… Release the hormone,

Testosterone to deal with Stress “Emergency hormone” Released in situations that

require urgency, sacrifice for a noble cause and problem solving

Hormone of Love for a woman

She feels happy in love when levels are high

Hormone of desire for a man

He feels romantic and passionate when levels are high

Testosterone is: Oxytocin is

“Heart Disease is most often triggered by unresolved emotional issues like financial stress, divorce, loneliness or an inability to effectively communicate with a child

or Spouse.”

I will give thanks to You, for I am fearfully and wonderfully made;

wonderful are your works, and my soul knows it very well.

Psalm 139:14 (NASB)

Unity in Marriage will only happen if God is at the center of the marriage and…

…as the husband and wife who have “become one flesh”, move closer to God, they will get closer to one another.

"A person standing alone can be attacked and defeated, but two [husband and wife]

can stand back-to-back and conquer. Three [with God at the center] are even better, for a triple-braided cord is not easily broken."

Ecclesiastes 4:12 (NLT)

the money has to be ‘ours’...not ‘mine’ and ‘yours’.” Dave Ramsey

“In order to have a

financially successful marriage,

Outlines God’s view of Money

The Book of

Matthew, Chapter 6

Do not store up for yourselves

treasures on earth, where moth and rust destroy, and where thieves break in

and steal. Matthew 6:19 (NASB)

“The rich rules over the poor, And the borrower becomes the lender's slave.” Proverbs 22:7 (NASB)

“Godliness with contentment is great gain.”

1 Timothy 6:6 (NKJV)

“I want it and I want it now”

“Don’t have enough”

“Keeping up with the Joneses’”

“When you go

into debt you

are asking

someone else

other than God

to meet your

needs.”

“The devil leads us

into debt so he can

keep us in bondage

and keep us from

doing great things

for God and His

kingdom.”

Pastor Barry Cameron, ABC’s of Financial Freedom

“American's spent $1.7 billion on fast food

with credit/debit cards in 2000.”

“In 2008, that number had climbed to $70.4

billion.” CardTrak.com

“Debt is not the problem, but a symptom. Debt is a symptom of overspending and undersaving.”

Dave Ramsey

“It's stupid to try to get something for nothing, or run up huge bills you can never pay.”

Proverbs 17:18 (MSG)

“If you cannot be content

with what you have, you

will never be content

with what you want.”

Howard Dayton, Crown Financial Ministries

“And my God will supply all your needs according to His riches in glory in

Christ Jesus.” Philippians 4:19

“I can do all things through Him who strengthens me.”

Philippians 4:13

“But store up for yourselves treasures in heaven, where neither moth nor rust

destroys, and where thieves do not break in or steal;” Matthew 6:20 (NASB)

“All the church wants is my money”

“Can’t afford to lose 10% of my income”

“I will give after I pay my other bills”

“Is it on the Gross or the Net?”

“The earth is the Lord’s and EVERYTHING in it, the world, and ALL who live in it.”

Psalm 24:1

“Can’t afford to lose 10% of my income”

“Bring the whole tithe into the storehouse, that there may be

food in my house.

Test me in this,”

says the LORD Almighty, “and see if I will not throw open the floodgates of Heaven and

pour out so much blessing that you will not have room enough for it.

I will prevent pests from devouring your crops, and the vines in your fields will not cast their fruit,” says the LORD Almighty.

Malachi 3:10-11 (NIV1984)

“Honor the LORD with your wealth, with the first fruits of all your crops;

then your barns will be filled to overflowing, and your vats will brim over with new wine.”

Proverbs 3:9–10 (NIV)

“I will give after I pay my other bills”

"But you shall remember the LORD your God, for it is He who is giving you

power to make wealth…”

Deuteronomy 8:18 (NASB)

“It doesn’t take faith to pay all your bills and THEN give to God.

Put the kingdom of God FIRST…and see what happens to your provision!”

Pastor Robert Morris

“Give, and it will be given to you. A good measure, pressed down, shaken

together and running over, will be poured into your lap. For with the measure you use, it will be measured to you.” Luke 6:38 (NIV1984)

“Is it on the Gross or the Net?”

“God’s BLESSING on you is always in proportion to

your DEPENDENCE on Him. Great anointing is the fruit of great trusting.”

Pastor Rick Warren

"Each man should give what he has decided in his heart to give, not reluctantly or under compulsion, for God loves a cheerful giver."

2 Corinthians 9:7 (NIV1984)

1. the office, duties, and obligations of a steward

(which is defined as a fiscal agent or manager).

2. the conducting, supervising, or managing of

something; especially: the careful and responsible

management of something entrusted to one's care.

“It’s my money”

“Live for today”

“I need the money more than the church”

“…for where your treasure is, there your heart will be also.” Matthew 6:21 (NASB)

2/3 of the parables that Jesus taught are about money, possessions and stewardship.

Pastor Robert Morris

“Many believers aren’t aware of this, but

EVERY TIME you get paid, you are facing a test.”

Luke 16:10-11 (NIV1984)

“Whoever can be trusted with very little can also be trusted with much, and whoever is

dishonest with very little will also be dishonest with much. So if you have not been trustworthy

in handling worldly wealth, who will trust you with true riches?”

"A budget is telling your money where to go instead of wondering where it went.“ John Maxwell

“ doing the same thing over and

over and expecting different

results ”

“When you agree on your spending… you are agreeing on your value system,

you are agreeing on your goals, you are agreeing on your dreams, you are even agreeing on your fears…

the ‘Budget’ takes all the knots out of your

Marriage and you will get oneness in your marriage and unity.” Dave Ramsey

"No one can serve two masters; for either he will hate the one and love the

other, or he will be devoted to one and despise the other. You cannot serve God and

wealth.” Matthew 6:24 (NASB)

“More money will make me happy”

“He who dies with the most toys wins!”

“I don’t have the money but

I will just throw it on the credit card”

“For the love of money is the root of all kinds of evil. And some people, craving money, have

wandered from the true faith and pierced themselves with many sorrows”

I Timothy 6:10 (NLT)

“More money will make me happy”

“He who dies with the most toys wins!”

“I don’t have the money but

I will just throw it on the credit card”

"For this reason I say to you, do not be worried about your life, as to what you will eat or what you will

drink; nor for your body, as to what you will put on. Is not life more than food, and the body more than clothing? And who of you by being worried can add a single hour to his life?” Matthew 6:25, 27 (NASB)

“I am the provider”

“What will I do if I lose my job?”

“I cant afford to tithe, I need to save every

dime because you never know,

AKA Hoarding”

“Be still, and know that I am God;

I will be exalted among the nations, I will be exalted in the earth!”

Psalm 46:10

“I am the provider”

“What will I do if I lose my job?”

“I cant afford to tithe, I need to save every

dime because you never know,

AKA Hoarding”

“Be anxious for nothing, but in everything by prayer and supplication with thanksgiving let your requests be

made known to God.”

Philippians 4:6

“But seek first His kingdom and His righteousness, and all these things will be

added to you.” Matthew 6:33 (NASB)

“Do not care about the future,

so long as I have what I want now”

“Pay the Debt Forward”

“But if anyone does not provide for his own, and especially for those of his household, he has denied the faith and is

worse than an unbeliever.” 1 Timothy 5:8 (NASB)

“Do not care about the future,

so long as I have what I want now”

“Pay the Debt Forward”

“A good man leaves an inheritance for his children's children, but a sinner's wealth is

stored up for the righteous. Proverbs 13:22 (NIV1984)

“Do not care about the future,

so long as I have what I want now”

“Pay the Debt Forward”

Prayer Word Worship

“Commit to the LORD whatever you do, and your plans will succeed. The LORD works out everything

for his own ends.” Proverbs 16:3

“The more you pray, the less you’ll panic. The more you worship, the less you worry.

You’ll feel more patient and less pressured.”

Pastor Rick Warren

Teamwork = Unity in Marriage

“Be completely humble and gentle; be patient, bearing with one another in love.” Ephesians 4:2

"Coming together is a beginning. Keeping together is progress. Working together is success." ~ James E. Hunton

Forgive One another

“In your anger do not sin”: Do not let the sun go down while you are still angry, and do not give the devil a foothold.” Ephesians 4:26-27

“Be kind and compassionate to one another, forgiving each other, just as in Christ God forgave you.” Ephesians 4:32

“A gentle answer deflects anger, but harsh words make tempers flare.” Proverbs 15:1

“Pleasant words are like a honeycomb, sweetness

to the soul and health to the bones.” Proverbs 16:24

Think Before You Speak

Work on Budget Together = Unity in your Finances will result

“Good planning and hard work lead to prosperity, but hasty shortcuts lead to poverty.” Proverbs 21:5

“Steady plodding brings prosperity.” Proverbs 21:5 (TLB)

Learn, Learn, Learn

“Commit to being a lifetime learner” ~ Zig Ziglar

“Winning at money is

80% behavior and 20% head knowledge.” ~ Dave Ramsey

“There is a choice that you have to

make, in everything you do. So keep in the mind that in the end, the choice you make, makes you.”

John Wooden