Budgeting your finances helps life become easier for the present as well as the future, which may also eliminate various personal and financial stressors plaguing your life today. It can protect you against all the rampant materialism you face everyday.
In today's world we see how easy it is to spend money and how fast it can flow through our fingers. As our economy grows and expands, our lifestyles become more apt to stretch to meet the overwhelming demands that are placed upon them.
What makes it hard sometimes is sitting down with yourself and/or with your family members, and taking the time to evaluate those all-important aspects of your lifestyle that may include spending or saving money. When you make yourself keep tabs on your pocketbook, you can then review the inflow and outflow of your finances.
I think a huge problem in our society regarding money and finances is determining one's true needs from wants. It can be difficult at times to establish this within our own lives.
For example, God designed simple basic needs for us to live by, which for the most part are: food/water, shelter, transportation, education, and a few other things that aid us in our daily lives. So, you could choose to live your life simply, not spending out a fortune on these necessities, or, turn these necessities into so much more! For instance, you could:
Do you see how quickly your true needs can turn into wants that disguise themselves as needs? It's so easy to do within our culture and societal demands.
Well, I could go on and on about how much money you could really put out there in terms of how luxurious you want your lifestyle to be. I currently live in New York City in the US and have seen such opulence and great wealth among Christians and non-Christians alike. The temptations to live in such extravagance is endless!
This concept for your finances may leave a bad taste in the mouth because, for many people, it denotes negative connotations, such as: lack, delayed gratification, saving money (some people really hate doing this, even if they think it's a good idea), not seeing it for a while, can't spend it like they want to, and so on.
Budgeting virtually means that you are designating various amounts of your income to be placed within particular areas of your living expenses, events, or savings. You still have the same income coming in, only you are being careful and guarded by how you spend it and where you will apply it to.
There are many kinds of budgets out there of which you can research over the internet, or get from a financial expert, or from word-of-mouth. All are designed to help you get a grip on your expenses and to make you more accountable of your lifestyle and family spending habits. Nothing can open your eyes to personal spending habits like doing a budget for yourself. I have found this so very true for myself as well.
As a believer in Christ and as a faithful steward, you are responsible for all that the good Lord gives to you. This includes everything, including your finances. Knowing this truth alone keeps us responsible and guarded with our money and possessions. Budgeting just makes sense to do when you think about it. At the end of your life, you will give an account to God for all that He has allowed you to have. This is made clear to us in these passages of scripture as we read from:
So, what is the idea behind budgeting that we as Christians should seek to implement within our own lives and those of our families? I believe it is the fact that we honor the Lord when we allow Him to be the head of our lives, including that of our finances and worldly possessions.
When we look to Him for guidance in our everyday spending, distribution, and saving of the blessings He bestows upon us, we are then demonstrating our obedience and faithfulness to God with the wealth and resources He gives to us. Budgeting provides the freedom and security of these resources He so freely gives. But when we spend them haphazardly and not thinking of these things, we lose sight on how these resources are to be distributed and where they are to be placed in our lives and in the lives of others around us.
Here are a few Bible verses that will make this clearer to you as you think on the importance of budgeting your finances:
Committing your finances to the Lord requires your guarded trust and faithfulness to all that He has provided for you in this world. He has given you all that you need, as well as many of the things you may want.
As a steward of Christ, I would encourage you to continue to apply these principles while you spend, save, and budget your money and resources in the ways that God would have you do, all for His honor and glory as you share in His wealth and economy.