Faith & Finance: Saving

The topic of saving as it relates to the Bible can be rather tricky. Perhaps that’s why this post has been weeks in the making.

If our heart is not in the right place, saving can so easily become hoarding. By first learning what God’s word teaches us about giving and stewardship, we can then keep saving in perspective.

There is desirable treasure,
And oil in the dwelling of the wise,
But a foolish man squanders it. ~ Proverbs 21:20

Saving has a purpose, a plan. Hoarding has neither.

Go to the ant, you sluggard!
Consider her ways and be wise,
Which, having no captain,
Overseer or ruler,
Provides her supplies in the summer,
And gathers her food in the harvest. ~ Proverbs 6:6-8

A Christian can save for the future and still give generously. One can save with a purpose, yet remain focused on God’s provision.

I remember years ago, the old me eagerly anticipating pay day and planning my expenditures. Often, my paycheck was spent within days of it hitting the bank account. The result was a life controlled by those circled days on the calendar. Saving for anything felt utterly impossible.

Now living on less than we make is newfound freedom. Saving for the future each month is not only possible, but an act of obedience. But that all had to start with a plan… a budget.

Join me as we further explore this topic here on the Faith and Finance series.

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Faith & Finance: Contentment

Have you thought about how the principle of contentment relates to your finances? Discontentment with what we have can easily lead to poor financial decisions.

Bigger houses, better wardrobes, the latest gadgets. Americans want them all. Perhaps the best example of this is the automobile. Statistics show that most cars are replaced every 3-5 years, far sooner than necessary. I personally fall into this statistic myself thanks to a growing family and changing needs.

We acquired my current vehicle, a used minivan, shortly before my son was born last year. Even with 80,000 miles under its belt, we knew it would last our family for years to come. But recently, the battery died and I was left stranded while my husband traveled. Twice. During those moments of panic, a ridiculous thought entered my mind.

Trade it in.

Part of me, the old, frivolous me, thought about the prospect of a shiny new van versus the hassle of car repairs. I mentally slapped myself back to reality and instead had the battery replaced. One hundred dollars later, my trusty (paid in full) van is running just fine.

With commercials, advertisements and dealerships encouraging that “easy” trade-in all around us, discontentment with what we drive is an easy trap to fall into.

Scripture reminds us that “godliness with contentment is great gain”. (1 Timothy 6:6). This is not always an easy concept to embrace in our culture. Believers must learn to filter out the messages we are bombarded with on a daily basis.

Hebrews 13:5 puts it succinctly: Let your conduct be without covetousness; be content with such things as you have. For He Himself has said, “I will never leave you nor forsake you.”

Join me as we further explore this topic here on the Faith & Finance series.

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Faith & Finance: Giving

When you think of giving in Biblical terms, what comes to mind?

The offering plate? Basket? Drop box?

Or perhaps your checkbook.

Actually, scripture reveals that tithing and giving are two very different things. The tithe is commanded. Giving is completely voluntary, and from the HEART.

There are approximately 2000 verses in the Old and New Testaments that speak of giving to the poor. Clearly this is an important topic for every believer to consider.

As this year’s 30 Day Giving Challenge approaches, I have been praying through, learning and studying scriptures on giving. One thing has stood out for me the most:

Giving is not about a number. Giving is about LOVE.

God has given us so much because of His great love for us. He wants us to give generously and cheerfully.

So let each one give as he purposes in his heart, not grudgingly or of necessity; for God loves a cheerful giver. ~2 Corinthians 9:7

I recall my favorite Dave Ramsey quote: “Giving is the most fun you will ever have with your money”.

Are you having fun?

Join me as we further explore this topic here on the Faith & Finance series.

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Faith & Finance: Debt

A quick search on for the word “debt” reveals over twenty verses containing it. The word “loan”, another six, many in the old testament.

The concept of loaning and repaying money is nothing new. Credit Card companies simply took this ancient concept and made it all too convenient to borrow large sums of money for instant gratification. But in the Old Testament, debts among the Israelites were forgiven every seven years. (See Deuteronomy 15)

God did not want His people to live in the bondage of debt on a long term basis. Today, one can declare bankruptcy as a last resort to escape massive debt, but the consequences of this decision have a lasting effect on the debtor. And the years leading up to such an escape are likely filled with stress, endless bills, and phone calls from creditors. This is not what God desires for His children.

Let no debt remain outstanding, except the continuing debt to love one another, for he who loves his fellowman has fulfilled the law. Romans 13:7-9

So how do we keep this command?

Perhaps if I had learned sooner what the Bible teaches believers about finances, including debt, I would have avoided the credit card trap. But it was actually over three years after becoming a Christian until I investigated this important topic with my husband.

Don’t wait. The Bible is filled with detailed instructions for handling our money. Join me as we further explore this topic here on the Faith & Finance series.

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