We bring into our marriage traits, and rules that were learned in our family of origin. Some of these rules were learned explicitly, which means they were expressed verbally to us by our parents. For example, I have a list of family rules posted on the wall in my kitchen. These are explicit rules. My children have no doubt what I mean by these rules. Or, as children we may have learned rules implicitly, which means we were taught through non-verbal communication. An example of an implicit rule is when dad earns the paycheck and then turns it over to mom who then pays the bills. Nothing is verbalized to the children in this act, however they learn quickly that mom is in charge of the money. The spoken, and unspoken rules that are learned in our youth can shape our outlook on situations in our marriage, and can have a large effect on how finances are handled in the home.
For example, if a child grows up in a home where it is implicitly implied that appearance , name brands, and “things” are all very important to one’s image, can cause them to believe that having “things” is important in their marriage. This could possibly lead to using credit cards and racking up debt because image is highly important and worth the trade-off of going into debt for it. Or you may have a child that was explicitly taught the importance of staying out of debt and paying for everything with cash. This will also have an effect on how money is managed in their marriage. It is important to understand some of the rules that were taught in our homes, in order to distinguish what will be beneficial to our family life, what can potentially be dangerous, and how our spending or saving habits will be affected.
Money is what makes the world go round. It can bring peace and security, but it can also bring heartache and stress. One way that money can bring stress is when one over extends their finances and uses credit cards to make up the difference. Several years ago, my husband and I had some great friends that we did nearly everything with. She was a stay at home mom, and he was starting his own business. They seemed to have it all. A big beautiful house with the nicest décor, they were always taking fun trips, their kids had everything they wanted and were always dressed to a tee and their life just looked so carefree and happy. I could never understand how they did it, and I couldn’t help but feel somewhat envious of their situation. They had what looked like a picture perfect life, and I would catch myself longing to live a similar lifestyle. Their life was this way for many years, until everything came crashing down around them. Our friends confided in us that they were in huge amounts of debt. They had been using credit cards, home equity lines of credits, and had extinguished their savings account. My heart broke for them as they lost their home, filed for bankruptcy, and soon after their marriage fell apart. What had once looked like the ideal situation to me, was soon uncovered to be a façade that wrecked their life.
I could spend a great deal of time sharing some of the implicit and explicit rules that were taught in their home that contributed to their problem (along with some of their own poor choices) but for the sake of time I will just say that there were learned behaviors in both of their homes that contributed to how they viewed life and money. The reason I share this story is to warn those that have yet to marry, or have been married and are contemplating using credit cards…don’t do it! It is not worth the grief and anguish that will eventually come. As members of the church, we have been counseled time and time again to live within our means. This means that we shouldn’t seek after lavish things, make do with what we have, and also make the best with what we have, save for a rainy day, be full tithe payers, and prepare for a bright future. Credit card debt can hold one back from living this principle. Prophets have given this council to direct our lives in such a way that we are able to live a full and enjoyable life. The Lord does not want us to be bogged down with worry and stress. He wants us to thrive and have joy in our journey. If we follow the council that we have been given, make ourselves aware of what we have learned in our youth that will influence our spending and budgeting habits, and work together as spouses, while including the Lord in our financial decisions, we will enjoy the peace and security that money can provide.