Financial discipline is a learned skill.
In today’s passage, Jesus’ example of building a tower shows the importance of planning and using resources wisely. Otherwise, money may run out too soon.
Any financial plan should be covered with prayer. First, ask God for the wisdom to understand His teachings about money and how they apply to your situation. Next, pray for clarity about all details—including both the amount that is earned and what is spent.
One final step is to seek the Lord’s guidance in determining whether spending habits are in line with His priorities. In evaluating this, it is helpful to divide expenses into categories, including:
1. Giving to the local church, missionaries, and other organizations
2. Basic needs—food, clothes, and housing
3. Insurance, retirement plan, savings
4. Debt, such as excessive mortgages, loans, and credit cards
5. Personal spending on entertainment and extras—cell phones, Internet, cable TV, eating out, vacations, etc.
Some of us will discover that our finances are not in sync with scriptural principles, and that may be discouraging. If this is true of you, turn to the Lord, confess what has happened, and pray for the strength to handle your God-given resources His way.
It requires a commitment to live according to Scripture, persistent effort to change bad habits, concentration to develop new ones, and faith that we can learn to live according to God’s priorities. We are blessed when we practice prayer-based planning.