The 6 Lifestyle Changing Cash Practices

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The 6 Lifestyle Changing Cash Practices

       We’ve all heard it many times: It’s not how much you earn but how you spend what you earn that counts.

Once you earn money, you must properly manage your income. Otherwise it will soon be gone with little to show for it. “Be diligent to know the state of your flocks, and attend to your herds; for riches are not forever…”

(Proverbs 27:23-24).

Among the struggles we face nowadays is we attempt to wisely manage the resources God entrusts to us. 

Below are 6 changes you can practice:

  • Recognize that He is the owner.  All things come from God. We may earn our money by hard work, but it is God who gives us strength to work. The Bible cautions us against forgetting God and saying in our heart, You are a manager of God’s resources. 1 Chronicles 29:11 tells us “Everything in the heavens and earth is yours, O Lord…”
  • Accept your responsibility as a manager. Understand that God expects you to manage His resources wisely. As you are faithful with little, He’ll entrust you with more…as He deems appropriate. Have a budget. This helps to show what is happening to what we earn and can help us to see whether we need to make any adjustments in our spending.

  • Track ALL of your spending. Find out where the money is going every month. Track ALL of your spending for 30 to 60 days.

Proverbs 27:23 tells us, “Be sure you know the condition of your flocks, give careful attention to your herds…” 

  • Make a PLAN. Sit down and decide how every dollar will be spent each month. List money spent for home, utilities, food, debt, emergency and other bills).

  • STOP using credit. We must not accept the “Buy now-pay later” philosophy of the world. When credit is too easily obtained, it is easy to incur so many debts that payments cannot be made. It will require doing without, saying NO, and learning to be content.


  • SAVE. SAVE. SAVE. There is really no way around it. If you want to break the debt cycle, you have to learn how to be a saver. If you don’t, then any emergency or unexpected life event will drive you deeper into debt. So make a commitment to set aside even as little as $30 to $50 a month. “In the house of the wise are stores of choice food and oil, but a foolish man devours all he has” (Proverbs 21:20).

Often we keep going in the wrong direction because we simply don’t know what that first step in the right direction is. The financial problems may seem so overwhelming, and you may be looking for complicated solutions to solve your complicated problems.



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