Malachi 3:10 Bring all the tithes into the storehouse,        That there may be food in My house,        And try Me now in this,”        Says the LORD of hosts,        “ If I will not open for you the windows of heaven        And pour out for you such blessing        That there will not be room enough to receive it.

Financial problems put heavy stress on marriages and families. Because financial problems is one of the three leading causes of divorce, it is important for couples to be proactive about family finances.

A certain couple had a good marriage, but financial difficulties put great stress on their marriage. They over spent their income and lived on extended credit. When the husband lost his job, the stress became terrible. He actively looked for a job without success. He wasn’t lazy. He took any opportunity that he found to make money, but he still couldn’t find a regular job. The stress became so unbearable, that they did something they had never done before. They prayed together asking for God’s help. Even though they had often attended church together, they had never prayed together. Within a few weeks, a job opened for him. They believed it was an answer to their prayer. The financial problem had become a blessing. It brought them closer together and closer to God.

Here are five actions to consider in dealing with your family financial problems:

  1. Agree on a family budget.
    No matter how much you make, there has to be a limit on expenditures. When expenses exceed income, problems arise quickly. Learn to live within your income.
  2. Find and eliminate wasteful spending.
    Most every family spends money on unnecessary items. Consider the amount of the absolute essentials. See if there is any wasteful spending. Establish your priorities.
  3. Pray about your finances.
    God cares about every aspect of your marriage. Prayer is a way to express our requests to God. Jesus taught us to pray about our needs, when he taught us to pray, “Give us this day our daily bread.” He may not give us everything that we want, but he cares about our needs.
  4. Honor God with a tithe of your income.
    The tithe is a tenth. We honor God with the first tenth, that he may bless all that we have (Genesis 14:20; Malachi 3:10; Matthew 23:23; Hebrews 7:1-8). It is an act of faith and obedience. Try the tithe. See what God will do through your obedience. Prove the promise of God (Malachi 3:10).
  5. Thank God for what you have.
    It’s easy to complain about what we don’t have. It’s better to thank God for what we do have. God multiplied the loaves and fish for the people in the ministry of Jesus, after he gave thanks to our Father for what they did have (John 6:11).