1. Covenant Foundation & Mutual Duties
Genesis 2:24 (KJV)
“Therefore shall a man leave his father and his mother, and shall cleave unto his wife: and they shall be one flesh.”
Amos 3:3 (KJV)
“Can two walk together, except they be agreed?”
Ephesians 5:21 (KJV)
“Submitting yourselves one to another in the fear of God.”
  • Honesty in all financial matters
  • Respect in disagreements
  • Shared decision-making
  • Carrying each other’s weaknesses
  • Protecting the covenant above personal preference
2. Financial Transparency & Truthfulness
Proverbs 12:22 (KJV)
“Lying lips are abomination to the LORD: but they that deal truly are his delight.”
John 8:32 (KJV)
“And ye shall know the truth, and the truth shall make you free.”
  • Full disclosure of income, debts, accounts
  • No secret commitments
  • Regular review of financial truth
3. Finances at Home (Daily Living)
Proverbs 27:23 (KJV)
“Be thou diligent to know the state of thy flocks, and look well to thy herds.”
  • Household budget
  • Food, utilities, transport, children
  • Weekly or monthly review
4. Assets & Stewardship
Psalm 24:1 (KJV)
“The earth is the LORD'S, and the fulness thereof; the world, and they that dwell therein.”
1 Corinthians 4:2 (KJV)
“Moreover it is required in stewards, that a man be found faithful.”
  • List of assets
  • Joint vs individual ownership
  • Insurance & protection
5. Investments & Future Planning
Proverbs 21:5 (KJV)
“The thoughts of the diligent tend only to plenteousness; but of every one that is hasty only to want.”
Luke 14:28 (KJV)
“For which of you, intending to build a tower, sitteth not down first, and counteth the cost...”
  • Risk tolerance
  • Research and prayer
  • Reviewing performance
6. Priorities & Financial Alignment
Matthew 6:21 (KJV)
“For where your treasure is, there will your heart be also.”
  • Top 5 priorities
  • Short, medium, long-term goals
  • Spending aligned with calling
7. Leisure, Lifestyle & Enjoyment
Ecclesiastes 3:13 (KJV)
“And also that every man should eat and drink, and enjoy the good of all his labour, it is the gift of God.”
  • Fun budget
  • Fairness and balance
  • Rest and connection
8. Emergency Fund & Backup Savings
Proverbs 6:6–8 (KJV)
“Go to the ant, thou sluggard; consider her ways, and be wise...”
  • 3–6 months of expenses
  • Rules for use
  • Rebuilding after use
9. Tithes, Offerings & Generosity
Malachi 3:10 (KJV)
“Bring ye all the tithes into the storehouse...”
2 Corinthians 9:7 (KJV)
“Every man according as he purposeth in his heart, so let him give...”
10. Debt, Credit & Financial Healing
Proverbs 22:7 (KJV)
“The borrower is servant to the lender.”
11. Protection, Risk & Insurance
1 Timothy 5:8 (KJV)
“But if any provide not for his own...”
12. Children, Family & Extended Obligations
Proverbs 13:22 (KJV)
“A good man leaveth an inheritance to his children's children...”
13. Business, Calling & Work
Colossians 3:23 (KJV)
“And whatsoever ye do, do it heartily, as to the Lord...”
14. Communication Rhythms
Proverbs 15:1 (KJV)
“A soft answer turneth away wrath...”
15. Spiritual Foundations
Matthew 6:33 (KJV)
“But seek ye first the kingdom of God...”
16. Action Plan
  • Next 30 days: budget, debt list, giving plan
  • Next 12 months: emergency fund, debt reduction, investment start
  • Review date set together
1. Fundamento de pacto y deberes mutuos
Génesis 2:24 (sentido)
El hombre deja a sus padres y se une a su esposa, y los dos llegan a ser una sola carne.
Amós 3:3 (sentido)
Dos no pueden caminar juntos si no están de acuerdo.
Efesios 5:21 (sentido)
Someteos unos a otros en el temor de Dios.
  • Honestidad en todo lo financiero
  • Respeto en los desacuerdos
  • Decisiones compartidas
  • Apoyo mutuo en la debilidad
  • Proteger el pacto por encima del orgullo personal
2. Transparencia financiera y verdad
Proverbios 12:22 (sentido)
Dios aborrece la mentira, pero se agrada de los que actúan con verdad.
Juan 8:32 (sentido)
Conocer la verdad trae verdadera libertad.
  • Compartir ingresos, deudas y cuentas sin ocultar nada
  • Revisar juntos la realidad financiera
3. Finanzas en el hogar
Proverbios 27:23 (sentido)
Sé diligente en conocer el estado de tus bienes.
  • Presupuesto mensual del hogar
  • Gastos básicos: comida, servicios, transporte, hijos
1. Fundamento de aliança e deveres mútuos
Gênesis 2:24 (sentido)
O homem deixa pai e mãe e se une à sua esposa, e os dois tornam-se uma só carne.
Amós 3:3 (sentido)
Dois não podem andar juntos se não estiverem de acordo.
Efésios 5:21 (sentido)
Submetei-vos uns aos outros no temor de Deus.
  • Honestidade em todas as áreas financeiras
  • Respeito nos desacordos
  • Tomar decisões juntos
  • Suportar a fraqueza do outro
  • Proteger a aliança acima do ego pessoal
2. Transparência financeira e verdade
Provérbios 12:22 (sentido)
Deus rejeita a mentira, mas se agrada dos que agem com verdade.
João 8:32 (sentido)
Conhecer a verdade traz verdadeira liberdade.
  • Compartilhar rendas, dívidas e contas sem esconder nada
  • Revisar juntos a realidade financeira
3. Finanças no lar
Provérbios 27:23 (sentido)
Seja diligente em conhecer o estado dos seus bens.
  • Orçamento mensal da casa
  • Despesas básicas: comida, serviços, transporte, filhos

Monthly Budget – Income

Enter your total monthly income. This value will be used across all calculations.

Income Source Amount
Main Salary

Monthly Budget – Expenses

Enter your monthly expenses. You can add more rows as needed.

Expense Amount
Rent / Mortgage
Food & Groceries
Clothes
Transport
School Fees
Health Expenses
Leisure & Entertainment
Savings
Other

Monthly Budget Totals

This tab shows your total income, total expenses, total priorities, and remaining balance.

Total Income: 0.00
Total Expenses: 0.00
Total Priorities: 0.00
Remaining: 0.00

Couple Exercises – Marriage Stewardship Blueprint

Mock Example: Sample Couple (John & Mary)

Example starting point for a couple with 10,000 income:

  • Rent: 3,000
  • Food: 1,200
  • Transport: 600
  • School Fees: 800
  • Health: 400
  • Leisure: 500
  • Savings: 1,500
  • Giving: 1,000

Use this only as an illustration. Adjust according to your real situation and calling.

Exercise 1: Financial Transparency
  1. Each spouse writes down all accounts, debts, and regular commitments.
  2. Share lists and pray together for truth and unity.
  3. Agree on a rule: no secret accounts, no hidden debts.
Exercise 2: Budget Conversation (Using 10,000 Base)
  1. Fill the budget table in the Worksheets tab together.
  2. Discuss which outgoings feel too high or too low.
  3. Agree on 3 changes you will implement this month.
Exercise 3: Priorities & Calling
  1. Each spouse lists their top 5 financial priorities.
  2. Compare lists and look for alignment and differences.
  3. Pray over Matthew 6:33 and ask God to reorder your priorities.
Exercise 4: Generosity & Agreement
  1. Read Malachi 3:10 and 2 Corinthians 9:7 together.
  2. Discuss your convictions about tithing and giving.
  3. Set a giving plan that both of you can agree on.