As I mentioned before, Girl Ninja and I are going through premarital counseling. We are three weeks in and it has been totally awesome. We meet with a local couple that has been married for 25 years. At the end of each counseling session GN and myself are usually tasked with homework assignments. One of Girl Ninja’s assignments, this last week, was to initiate a conversation about finances. Girl Ninja is not the biggest fan of talking money, so this was a GREAT exercise for her.
A few nights ago we had that talk, and it was absolutely wonderful. We shared with each other what financial commandments were most important to us. That’s right, financial commandments, kinda like the biblical ones (thou shalt not steal, thou shalt not murder, thou shalt not eat pop rocks and drink soda at the same time).
We each came up with a few of our own….
Girl Ninja’s Commandments:
- Thou shalt tithe 10% of gross income before any spending occurs.
- Thou shalt not take on any debt, except to purchase a home
- Thou shalt let me take yoga classes even though the membership is $80/month
- Thou shalt not take on any debt besides a mortgage
- Thou shalt put 15% of gross income in to retirement
- Thou shalt talk about money together at least once a quarter
It was really cool to hear Girl Ninja’s commandments. Obviously there are other things that we think are important, but these commandments are CORE to our financial principles. The best thing about our commandments is that we are more than happy to embrace each others.
Girl Ninja is a dedicated tither. I, however, have always struggled letting go of ‘my’ money. I’m excited to learn from Girl Ninja how to become less emotionally attached to cash. She is going to encourage and model to me what a faithful giver really looks like and I can’t wait to delight in that with her.
I can’t tell you how sexy it was to hear her say that debt was not an option….purrrrr. Knowing that she hates debt just as much as I do, allows me to sleep easy at night. I don’t have to worry about her pressuring me to finance our next car or worry about her charging up a ton of money on the credit cards behind my back.
Lastly, she really wants to stay involved in yoga class, even though she knows it’s kind of pricey. Umm excuse me Girl Ninja….what’s that…. you want to know if I’m okay with you taking a class that is going to give you buns of steel and rock hard abs? Let me think about it…. YES PLEASE! If you want to spend a little money so you can get your sexy on, by all means GO FOR IT. It will be a cold day in hell before you see me take sexification away from the wifey 🙂
Like I said before, it was totally awesome getting to listen to GN as she shared her fundamental financial beliefs. I’m going to give those of you with significant others a task. I want you to ask your partner what their HONEST financial commandments would be, even if you weren’t a part of their life (I don’t want them feeling pressured to say things they think you want to hear, but only things they truly believe). You might be surprised by some of the things that come out of their mouth. I sure was.
So, reader, what are you financial commandments???