Protect Your Marriage 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 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?

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

    I so needed this verse today. Today a pledge w/ us that together we can stand and w/ Christ we can be victorious in our situation w/ our teenage boy.


  2. Great idea. This checking back has not kept us from scammers, (we’ve not encountered that many) but it keeps us from impulse shopping. There have been very few purchases we’ve made in 11 years that we have regretted or that have put us off budget because a second opinion often prevents a silly purchase.


  3. That’s a great pledge. Ours was to always put each other first. When we were first married, it frustrated our parents. Later it was tempting to put the children first. Now the temptation comes from our jobs. The trick is to never waver from that first rule and marriage grows stronger and sweeter with every year.


  4. Kelly Malloy says:

    That is so true! Too many marriages break up over money – it is so not worth it!


  5. Mommy Cracked says:

    My husband and I also consider this a huge deal in our marriage. It really is an important thing to agree on.


  6. Infinity Goods says:

    Excellent post. Communication is so important in a marriage (& everywhere!) and especially when it comes to finances.


  7. Don’t you just hate those telemarketers?! They have no shame!

    We’ve enacted call block and put ourselves on the ‘no call’ list but they still sneak through from time to time.


  8. I have the policy not to buy anything without communicating first…
    Well, now we’re short of money we don’t need communication at all.
    The answer to all offers is: NO!

    Feel welcome to visit me at:

    Laane on the World

    Happy Thanksgiving!


  9. I had a call like that. The vacation deal sounded so-o good; but she would not call back later, and would not give me a phone number for her. My husband was not there so – no deal!

    It also takes the pressure off me sometimes, because I can honestly say, “I have to talk to my husband.” There is nothing they can do about it then.


  10. You’re right about that last point, Jendi. Because I am such a sucker when it comes to this stuff!

    I also use it as a protection so I don’t over-schedule myself. My husband is usually better at realizing when it’s just too much!


  11. SAHMmy Says says:

    I’m in charge of the finances in our household. To avoid the “absolute power corrupts absolutely” thing, I tell my husband about every purchase great or small and keep him informed about any changes, additions, etc. to our accounts. I often hear people talking about the purchases they hide from their spouse–we prefer honest communication to keep us on the financial freedom track and foster trust.


  12. Jenny is Live & in Color says:

    We have this same understanding. We also have a “walk away” policy on large ticket items to help us avoid impulse buy regrets. If we are tempted to buy something over a certain amount, we walk away to think about it for a few hours or days to make sure it’s a wise decision.


  13. Thanks for this post…I just tend to always talk to my husband first about any purchases, big or small, so I forget how important it really is! Thanks for the reminder!


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