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Getting Your Home in Order: 5 Financial Tips for Wise Christians


God calls his followers to be good stewards of what he has given them – and that includes their money. After all, it is God who gives you the ability to work and the skills to earn an income. Therefore, whatever you have belongs to Him.

While you may already believe these things are true, your finances may tell a different story. Maybe you are struggling to pay off your student loans or just trying to set up your savings account after the pandemic. In the meantime, you may have stopped tithing or neglected to stay on a budget. If so, it’s time to get your house in order and use a little caution.

1. Stick to a budget

Proverbs 24: 3-4 says, “By wisdom is built a house; and by understanding it is established; and by knowledge the rooms will be filled with all the precious and pleasant riches. These verses remind you that it is not enough to wait for God to bless you. Instead, you need to plan and prepare for all the riches you receive. Most importantly, you need to keep a good track of how you use them. This file is what you would call a budget and it is an integral part of the Christian walk.

By creating and sticking to savings, spending, and giving limits, you will inevitably achieve greater financial stability. Analyze your current financial habits and use budgeting software or a notebook to list your expenses. Next, figure out how much money you need to cover necessities like bills and food.

2. Build an emergency fund

Once you know how much of your salary covers monthly expenses, you can start building an emergency fund. Just as Pharaoh set aside one-fifth of Egypt’s harvest for use during the seven years of famine, so you must save for misfortunes. This will prevent you from borrowing from others or getting into debt. Plus, you worry less knowing you have money set aside for emergencies.

First, set a goal. How much do you want to save? To create a system for making consistent contributions in which you reduce your expenses or find ways to make more money. Monitor your progress or keep a running total of your account to encourage saving. Then when you finally reach your goal, celebrate your success with a small reward and a new goal.

3. Pay off the debt

Proverbs 22: 7 says, “The rich rule over the poor, and the borrower is the servant of the lender. So every time you get into debt, you become a slave to the lending agencies who will charge interest rates as you pay them off. In the end, you’ll be spending more than you originally planned and you’ll likely worry about making payments for months, if not years, to come.

Yet Christ calls his people to live in freedom, spiritually, mentally and financially. Therefore, it is wise to only go into debt as a last resort and pay off your loans as soon as possible. Use the debt avalanche strategy pay off debts with the highest interest rates first. This will allow you to achieve financial freedom faster and save more money in the long run.

4. Diversify your investments

Almost any type of investment can fall victim to harm, especially when the stock market is so volatile and unpredictable. If you put all your eggs in one basket, you could easily lose all your money. Ecclesiastes 11: 2 addresses this very question. “Invest in seven companies, yes, in eight; you do not know when misfortune may come upon the country. Therefore, it is essential that you diversify your investments.

Spread your wealth by investing in stocks, exchange traded funds, real estate investment trusts, stocks and commodities. Add some fixed income solutions like the index or bond funds to better protect your portfolio against market fluctuations. Most importantly, keep an eye on your investments and know when it’s time to cut your losses, sell, and move on. Otherwise, you could lose a good deal of what God has blessed you, which is the definition of mismanagement.

5. Prioritize

In the Old Testament, God commanded believers to tithe, which means a tenth or 10%. In addition, everyone was to generously help those in need, including strangers, orphans and widows, according to Deuteronomy 26: 12-13. Eventually you will reap what you sow and God will bless you exponentially, although receiving rewards should never be your primary motivation. Instead, the Lord calls you to give out of the loving kindness of your heart.

Today, you can follow Christ’s commandments by prioritizing giving over any other financial desire and need. Adopt a backward budgeting strategy that includes tithe as an obligation fresh. In this way, you will outwardly manifest an attitude of gratitude, pleasing God, and helping the church move its kingdom forward.

Cultivate contentment

It’s one thing to tidy up your house. It is another thing to do it with contentment. Of course, it can be difficult to practice contentment when you skip that morning coffee to create a bigger savings account. However, 1 Timothy 6: 6 reminds believers that godliness with contentment is great gain. So save, give and spend, but do it with joy, with a grateful heart. After all, all you have is God to begin with.


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