An Introduction to Budgeting Tips

Christians are to Combine Practical Cutbacks with Acts of Faith When it Comes to their Finances

It is true that adversity can affect believers just as much as nonbelievers, especially when it comes to economic slowdowns. A believer can lose a job, receive a pay cut, enter into foreclosure on their home, and fall into tremendous credit card debt trying to stay financially afloat every month. While some circumstances are outside of their control, there are things a believer can do to minimize the overall spiritual and financial damage caused by a sluggish economy.

First, it is important to understand that God's people are not bound by the economy of the world, even though they live in it. God's favor has no regard for the economic ups and downs of man's financial systems. He can cause a believer to rise above any economic crisis, and even prosper, though secular society will say that it can't be done. The catalyst of a believer's success, however, is faith in the promises of God. This faith is not just an internal hope that things will get better, but rather an outward display of hope that takes action to prepare the way for things to get better.

Any action taken is better than no action at all. Making practical adjustments to one's finances communicates to God that one is expecting a harvest, metaphorically speaking. Farmers do not plant seed into ground that has not first been prepared. Unwanted vegetation and rocks must be removed. The dirt must be tilled and aerated. Perhaps even fertilizer, minerals or other products must be added. Once the ground has been fully prepared, then the seed can be planted. Without proper preparation, seedlings will die and there will be no harvest.

The same is true for finances. Financial preparation is comprised of things like forming a budget, cutting back unnecessary expenses, seeking ways to save money on the necessary expenses, and so forth. Once these steps are taken, the seed can then be planted; seeds like, “I have been young, and now am old; yet I have not seen the righteous forsaken, nor his descendants begging bread.” (Psalm 37:25), “And my God shall supply all your need according to His riches in glory by Christ Jesus.” (Philippians 4:19), “Man shall not live by bread alone; but man lives by every word that proceeds from the mouth of the LORD.” (Deuteronomy 8:3), and many others.

The Word of God is the only seed that can cause an abundant harvest, for it does not return void. (Isaiah 55:11) It is guaranteed that all of man's self efforts to reap a financial harvest will be ineffective, “For no sooner has the sun risen with a burning heat than it withers the grass; its flower falls, and its beautiful appearance perishes. So the rich man also will fade away in his pursuits.” (James 1:11) While believers are to be good stewards of their resources, it is not their hard work that brings them prosperity but the hand of God moving through the steps they take toward financial increase.

This series on Budget Cutting Tips is simply meant to be an opportunity for readers to survey the ground of their finances and determine if there is preparation that needs to be made in order to overcome any looming economic slowdowns. It also is meant to be a faith-building journey; a reminder that the God who caused Isaac to reap a hundredfold during a time of famine is the same God who can supernaturally supply for the needs of every believer today.

Written by: Amy Miller