How To Manage Your Money With Godly Wisdom — Cups to Crowns (2024)

What comes to mind when you hear the words budget or managing money? I suspect your initial reaction depends on your current state of finances; those with little will view those two terms far differently than those who have plenty.

MY FINANCIAL TESTIMONY

When My husband and I were first married, we were desperately poor. I am talking wandering the grocery trying to figure out how to feed a family of 4 for a week on $25.00, riding a bike to work because we didn't have gas money (or the car broke down), rolling pennies to pay for diapers, and regularly missing parties because we didn't have money for gifts or extra food to contribute.

We were almost as financially low as you can go ("almost" because although a few of our homes were questionable, we were never homeless). We were constantly working our tails off to turn our situation around. But working in our own strength using the world’s financial principles just seemed to keep up buried.

For Additional Reading: How to prepare your Christian testimony.

During this time, Mike and I got saved. One of the first things God did was to put a craving in my husband to seek out what the Bible had to say about finances. As we learned God's principles, we began to intentionally make changes. It wasn't always easy, mostly because Mike was 100% on board but I was slower to release my tightly held grip on the only thing I knew; the world's ways.

At one point during this time period, Mike and I had a big blowup over money. That was over 26 years ago and I still remember it like it was yesterday. In a nutshell, I am not a money person. Numbers give me hives. I really don't do well with abstract concepts and was determined that we had to have a budget and record where our money was going. I needed to SEE it in black and white. I tend to get lost in details with overwhelm chasing after me.

But just as strongly, my husband disagreed with my plan of attack. He is amazing with numbers and has been blessed with a mind able to see small details and the big picture at the same time. Mike admitted it was too overwhelming for him to see in black and white how in debt we were. He wasn't being irresponsible. He could always tell you to the penny about our finances.

Besides, as he rightly pointed out, managing money we didn't have wasn't possible.

God used those very statements as my turning point. I began to see that God sees money and owing someone far different than I had been taught. Take a look at what I mean:

"Give to everyone what you owe them: If you owe taxes, pay taxes; if revenue, then revenue; if respect, then respect; if honor, then honor. Let no debt remain outstanding, except the continuing debt to love one another, for whoever loves others has fulfilled the law." (Romans 13:7-8 NLT)

Baby step by baby step we moved forward to conquer the financial giant in our life. It was beyond difficult. Positive changes didn't happen overnight. In some cases, things seemed to get worse before getting better. It took months and years of hard work, dedication, and faithfulness to reach the point God had directed us to be: debt-free.

FINANCIAL BONDAGE

Regardless of having a little or a lot, as Christians, we have to handle our finances God's `way if we want to see his blessings in this area. I'm not talking “Prosperity Gospel” here. Not even close. Prosperity Gospel teaches that if you aren't financially blessed, you aren't in God's favor. That is wrong on so many levels.

God won’t force you to follow His ways. The world will tell you to follow your heart and do what makes you happy because "you deserve it". Encouragement to indulge and splurge is everywhere. If this is the path you choose to follow with managing money, you will never be in a position for God to break the stronghold of financial bondage.

You can be in financial bondage regardless of how much money you make. Having more is almost like a sickness with some people. They never think they have enough and worry constantly about keeping it and getting more.

YOUR MONEY ISN’T REALLY YOURS

Your money isn't yours to do with as you wish; you are a steward of this gift. This is a mindset that only God can help you with. He isn't interested in you hoarding your funds so you can have the biggest bank account when you die (Matthew 6:19-21). He doesn't even want your money. What he wants is your heart, your obedience, and to see how you bless others with the gift of money He blesses you with.

Money is nothing to God. You can't buy your way into salvation, buy a single one of God's blessings, or buy your way out of death (Psalm 49).

RELEASE YOUR GRIP

Regardless of the amount of money you have, release it back into God's hands to do with as he will. You do this by asking God to create in you a new heart. A heart that isn't seeking money but Him. Ask him to reveal who he would like you to bless. Sometimes he will want you to bless someone financially and sometimes he will want you to bless them with other gifts he has given you. The point is you must be open to his leading and willing to obey.

HAVE A VISION

Once you understand that your money isn’t yours, you need to seek God for a vision, an idea, a direction. Without knowledge (vision) the people perish (Hosea 4:6 and Proverbs 29:18). But you can’t just pull a vision out of thin air. Ask God to reveal his vision for you. Ask for details. God wants you to be wise with knowledge and understanding so don't be surprised at the amount of detail he shares.

When God shares with you, share your vision with your spouse. You need to both be on board (Luke 11:17). Pray over your vision together; pray that God would help you to have open hands to receive AND give. Don't forget to pray to resist the temptation to stray from the vision.

Write your vision down (along with any verses God gives you) so that you can refer to it when doubts creep in and your faith is low. Because you have determined to manage your finances God's way, the enemy will attack, tempt, and distort God's truth. Base your financial decisions on whether or not it will help you reach your God-given vision.

YOU REAP WHAT YOU SOW

Reaping and sowing are principles of God that you can't get around. It plays into all his other principles (2 Corinthians 9:6-8). A perfect example is "give and it will be given to you" (Luke 6:38). This verse is used a lot just before the plate is passed at church but it doesn't just apply to money.

It applies to all things in the spiritual and physical.

If God blesses you with something (like money, possessions, spiritual gifts, etc) and you refuse to use your blessing to bless others (James 2:15-16, Luke 3:11-14), you will suffer consequences. Read the parable of the talents in Matthew 25:14-30.

This doesn't mean you should give everything away out of fear of God's hammer coming down. Remember, God is detailed and has a plan already in place for your family. Just because someone has a need doesn't mean God wants you to fill that need this time. He may have picked someone else to do it. This is where prayer and discernment come into play.

Giving (and receiving) begins in the heart and mind then flows into your actions.

BE A BLESSING

When you are out in public, find ways to bless others even if you think you have nothing to give. There are always those who have less than you have. But don't just hand money off. Always pray over it first.

As you are out to eat, look around, and ask God if there is anyone present he wants you to bless. It could be your waiter, the old couple sharing a meal, the young couple outnumbered by their kids, the lonely man off by himself...don't discount anyone regardless of their outward appearance. God knows what is going on in their life and who needs his blessing at that very moment.

Anyway, quietly talk to your waiter and tell him that you want to bless this person. Make it clear that you want it done privately. Ask the waiter to pass on to them whatever message God puts on your heart specifically for this person. Make it short and sweet (“God loves you and is thinking of you” for example). Leave the waiter money for their meal and maybe even the tip. Or pay for them to have dessert added to their meal...whatever you feel led to do.

Then pay for your own meal and quietly leave. Let God do what he does best.

Please, please, please don't be like some and tell others what you have done or put it on social media! I know everyone likes the pats on the back when you announce you "paid it forward" but you know what friend? DON’T DO THAT! Read Matthew 6:1-4.

God has his reasons for wanting to bless this person and for choosing YOU to bless them. No amount of fist bumps can come close to the blessings God will bestow on you because you obeyed his desire to bless without seeking glory for yourself in the process.But, if you choose to tell everyone what you have just done, you have just cut off God blessing you. The praise and glory you get from others is your reward. (Matthew 6:1-4)

LITTLE THINGS MATTER

The Bible talks a lot about seedtime and harvest. A seed is small. Harvest time varies according to the seed. But if tended to properly and allowed to grow to maturity, that little seed can produce a mighty harvest. That harvest has the ability to produce many more fields of crops down the road.

God adds to and builds upon as you show yourself faithful and obedient. Again, this is a godly principle that applies to more than your finances. For example, God will test your faithfulness in little ways. If you aren't obedient with the little God gives, he will not bless you with more (Luke 16:10-11). Your faith is another area that starts out small and takes time to grow.

Your financial blessing can seem so small, like a handful of coins. But that handful of coins can quickly add up to be much more significant. It's not the amount of change that God is looking at, it is your obedience and faith.

What if God blessed you will alot of change and you collected it. Then when your bucket became full you turned it into the bank to pay off a bill, or you used that bucket full of money to sow into someone's life. Stop thinking of small things as insignificant. God can (and does) use EVERYTHING for his glory!

As God blesses you, don't run out to spend your blessing. Pray over it. Look at your vision and plan. If you run out to spend it because you've had a hard week and you deserve a reward, your “little” will not develop into “a lot”. You will be digging that seed up out of your own field before it can become a harvest!

LIVE BY FAITH

Things of God are considered strange and confusing to the unsaved (1 Corinthians 2:14, Isaiah 44:18, John 1:5, Luke 8:10). Even Christians who have not sought God for a revelation on how to manage money his way will be confused by your actions.

But don't let that bother you. You just do what God has told you to do, how he has told you to do it, and he will take care of the rest.

I know first hand how hard all this is. It takes faith and conviction to go against the grain and manage your money God's way. Satan will always send someone to attack what you are doing. Or he will use your own thoughts to torment you. This is why God tells us to put on our armor. When you don't see immediate results in your finances, you need to be able to walk out your faith by your actions. (James 2:14-17)

In 1 Kings 17, God sent birds to feed the prophet, Elijah. It took faith for Elijah to take off on his own. Do you think the thought crossed Elijah’s mind that he had been out in the sun too long when God told him to eat what the birds brought him? But God provided.

Also in 1 Kings 17, God told the widow to feed the prophet that God was sending her way. God gave her a vision (instructions and a plan). She was at the end of her supplies. Instead of making food for herself and her son, she was commanded to make food to feed the prophet. She obeyed and (v15) she, Elijah, and her son continued to eat from her supplies for many days.

But no matter how much they used, there was always enough left over for next time. I'm sure God's plan didn't make sense to this woman but she made the choice to live by faith. And God provided.

YOUR APPLICATION MIGHT LOOK VERY DIFFERENT FROM MINE

Your real-life application will be specific to you and your circ*mstances. It could be that God is calling you to quit your job and stay home with your children. That may not make sense to you financially but you will have to seek God and walk it out in faith trusting Him to provide.

He might be speaking to you about stepping out in a ministry of some sort. Or a potential move across the country, or homeschooling your children...the way God wants you to walk out your faith is between you and him but have no doubt God has made a way along whatever path he is calling you to.

BE CONTENT

Being content means to be in a state of peaceful happiness. It doesn't mean you will settle or never move forward. It means you learn to enjoy the season you are in and not overly stress over the next (or last) season. The "secret" to doing this is putting your focus on Christ and trusting that he will take care of you regardless of what is going on around you (Matthew 6:31-33).

You will become a slave to whatever masters you (2 Peter 2:19). You can chase after money and never catch enough. It can become your god controlling your every thought. Sweet sister, the money will come and the money will go. That's life. If you are always scrambling to get it or hold onto it, you aren't living the life God has intended for you. You will not prosper, grow, or be a blessing to others.

When you are content you are okay with taking time to enjoy life because your hope and peace rest in God, not in money or possessions that may be stolen or moth-eaten.

Being content in all situations is a mindset you can (and should) pray for. You can have an empty bank account and still enjoy life. Your current life situation is like Ohio's weather...unpredictable and never the same for long. Ask God to help you learn to live at or below your income. Ask him to help you with your impatience and discontent. If you need to, ask him to help you gain control of your shopping habits and bless you with wisdom and understanding in this area.

As your income grows (and under God's authority it will), continue this practice.

No two journeys are the same. However, God's financial principles do not change. All throughout the Bible, God has always been more interested in prospering the hearts of his people, not showering them with wealth.

If he so chooses, God could bless each of his children with immeasurable wealth right this very second. But how then would we learn to lean on God in our need? How would our faith have a chance to grow? How would we learn to love those who have less (or more) than we have?

In my case, I wouldn't trade what my family went through for anything. God was our only hope and he had to teach us about managing money his way. By setting aside our pride and allowing God to take us from desperate to debt-free, he taught us to rely on him in all areas; jobs fell through, illness happened, ourfamilies had problems of their own and couldn't help, and more than our fair share of trouble came our way no matter how hard we worked to get ahead.

Early in our marriage, we were dirt poor but throughout the past handful of decades, God never left our side or left us without (Philippians 4:11-13). How amazing is that?!?

And my family is not unique. What God did for us, he longs to do for you.

YOUR TURN

Has God been trying to show you a way out of the financial hole your family has found themselves in? If you have been a Chrisitan for a while, in what ways has God blessed you? Has your attitude about finances changed as you have changed?