1. Additional Questions for your Personal Data Inventory - FINANCES
Do you tithe?
What percentage of your income goes to the church or missions?
Do you have a budget?
If yes, do you stay within your budget?
What percentage of your take home pay goes into savings?
Do you have a carryover balance on your credit cards?
Are you adequately insured? 
Do you have a retirement plan?
Are you receiving government payments in any way (food
stamps, alimony, welfare, Medicaid, family members)?
Are you a spender or a saver?
If you and your spouse argue about money, what is the typical issue?

2. Additional Questions for your Personal Data Inventory - TIME
What do you like to do when not working?
Name the last three books you read
Name the magazines/newspapers that you typically read
Do you have internet access? Y N
How many hours per week on the internet?
What television shows do you watch regularly?
How many hours per week do you watch television?
Do you play video games? Y N
If Y, how many hours per week?

3. S________: P_________ (safety)/P_______
“We don’t have enough insurance”
“We have no budget”
“We’re not saving anything/enough…”
(Based on categories found in the book “The Seven Conflicts” by Tim and Joy Downs)

4. 2. L_____________: F____________/P_________
“He’s spending money on his family that should be
for ours”
Split families: Her: “He’s showing favoritism to his kids over mine”
Him: “That’s because your kids
are irresponsible”
b. “He won’t spend money on a new fridge for me,
but he’ll buy a new gun every other month”
(Based on categories found in the book “The Seven Conflicts” by Tim and Joy Downs)

5. 3. R______________: O____________/E____________
“The house is falling apart, and he won’t
spend the money to fix it”
b. “He always wants to tip the waitresses more than % but 10% (before tax) is the right amount”
c. “He has a responsibility to take my mom in, but he
says we can’t afford it”
(Based on categories found in the book “The Seven Conflicts” by Tim and Joy Downs)

6. 4. C_________: A____________/I___________
“He doesn’t understand how much
groceries/clothing cost these days.”
b. “He doesn’t care that he wasted all that money on
a Jacuzzi when I haven’t had a vacation with
him for years”
c. “He’s not saving for our children’s education…”
(Based on categories found in the book “The Seven Conflicts” by Tim and Joy Downs)

7. 5. O__________: S__________/C________ “She won’t stick by the budget”
“He has no investment plan”
“He’s so controlling with the money…”
(Based on categories found in the book “The Seven Conflicts” by Tim and Joy Downs)

8. 6. O___________: S___________/E________
“He’s always picking up the check when we
take others to dinner”
b. “She wants to buy a gift for every friend’s
birthday”
(Based on categories found in the book “The Seven Conflicts” by Tim and Joy Downs)

9. 7. C__________: C___________/d_______ m_______
“We don’t talk about where the money should be
spent”
b. “He’s so stuck on the budget he won’t consider
better options when they come along”
c. “We can’t ever agree on a budget”
(Based on categories found in the book “The Seven Conflicts” by Tim and Joy Downs)

10. <---------H---------------^--------------W------------>
NORMAL? NORMAL?

11. The Use of Covenants in Counseling
A covenant is a formal agreement between two parties
The covenant specifies the parties
The covenant specifies the actions required
The covenant spells out blessings and curses

12. The Use of Covenants in Financial Counseling
Specify the terms of the covenant
Require a financial budget
Require a time budget
Requirements of attempts to find work
Specify the amount of money to be provided
Include an element of gleaning
Insist on accountability
Require signature
Require spiritual counseling (you!) – focus on discipline
Require financial counseling (Dave Ramsey)