Protect Your Marriage (and Money) With a Spending Communication Policy

A few days ago, an upbeat young woman called while my husband was out at a school concert. She mentioned that she had talked to Judd about an exciting vacation opportunity (time share pitch) on a coastal island. He had been very interested, but it was during dinner, so he had asked her to call back.

She called later, when he wasn’t home. She went through the whole spiel, all the time assuring me that Judd had been all for it, and all I had to do was take care of the details.

I believed her, too. She was so convincing, and even dropped the price if I would sign up “right then.” When I mentioned that my husband and I do not spend large amounts of money without explicitly communicating first, she said, “What if I could give you a price that your husband would be sure to support?” I almost fell for it, it really was a great price. I asked her to call back later when he was home, and she stated that she would be off duty soon, and could only offer me the deal right then. NOTE: A sales person who wants to make a sale will deal with you whenever you want! And all kinds of red flags go up if a deal has a time limit.

In the end, I said no. I told her she could call back after I had talked with Judd, or there was no deal.

The interesting part happened when he got home. I mentioned that I had to turn down the vacation deal he had wanted. He looked puzzled and said, “What? I said we weren’t interested, and hung up on her when she quoted the price.” Phew! To think I almost believed her!

Another time, a salesman friend tried to pull this “divide and conquer” strategy. He had already been turned down by Judd, so he called me when he knew Judd would be at work. I was able to say a firm, “Sorry. We have a policy that we don’t make purchases without communicating first.” I had to say this about three times before he gave up. Later, when I shared it with him, I honestly saw smoke coming out of Judd’s ears!

Again, if I hadn’t pledged to communicate with my husband before making a purchase, I would have been toast against this experienced sales person.

God’s blessing of marriage extends beyond just companionship. One of those blessings is protection from financial predators!

Though one may be overpowered, two can defend themselves. A cord of three strands is not quickly broken. Ecc 4:12

We are definitely not perfect as far as finance goes, but this pledge of communication has served us well.

Do you have an instance where a marriage pledge protected you or your spouse?

Other “Works For Me” posts:

Real Life Cleaning Tips (humor)

The Safe Side Children’s Video

Organizing Toys

Homemade Tomato Sauce + A Few Tips

Harris Teeter and The Grocery Game

The Nightly Routine

About Sarah Pinnix

I'm a mom, blogger, vlogger, libertarian. I love Jesus, and my husband, too. Social Media Strategist for a Non-Profit (All statements here are solely my own)


  1. Dave @ Home School Dad says:

    Great post. My wife and I try to communicate on financial things, but this was a very good reminder.


  2. Lisa @ Stop and Smell the Chocolates says:

    How awful that they operate that way! We make small purchases on our own, but anything a little bigger – we always give each other a heads up and a reason for the purchase.


  3. This is a great post. My husband and I try to discuss things that are more than about €50 or more since our income isn’t too big and that’s a “big” purchase for us. I think it really works out well.


  4. Thats amazing. I live in Australia and I had the same thing happen when I was looking to join a local gym. The sales person seemed shocked when I told her that hubby and I always discuss a financial commitment of any kind before we go ahead with it. She even gave me the line about making it so that I would have my hubby;s support to make that commitment now! I had to hold my tongue at that point – as if she would know anything about my husband. Needless to say I didn’t join the gym.



  5. Janel@Dandelion Dayz says:

    We do try to communicate about financial things – anything over $100.


  6. We always communicate about purchases and go over our budgets each month. In addition, we set aside $25 each month to go into our individual savings accounts which we can do whatever we want with without having to ask the other. So if I see something I really want(either for me, him or the kids), I can use my own money without having to ask my husband first.


  7. Jen, that’s a great idea!


  8. Musings of a Housewife says:

    Wow, people are incredible, aren’t they!? I have never encountered anything that intense, and I’d never sign anything like that without talking to Paul. But people must fall for it all the time. WOW.


  9. Great tip reminder!! We are great about doing this but it is a reminder that it helps our marriage not just our pocketbook!


  10. Vanessa says:

    Those stories are horrible. My husband and I have a plan to discuss things, too.


  11. great post! we have this rule about big acquistions too. thankfully, we don’t get very many phone sales anymore.


  12. Carolina Mama says:

    Well said. Well said. Thanks for that reinforcement. WE do this but whew it is a challenge. 🙂


  13. Great post… me and hubby have the deal, no purchases over $50 unless discussed. We don’t argue over money.


  14. I'll be reminding my husband about this cause I just don't know when we'll encounter such aggressive and cunning salespersons.


  15. Home School Dad says:

    I liked this post so much I put it in a top 10 list on the most recent WFMW. Great Job!



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