Financial Wisdom

'The wise have wealth... but fools spend whatever they get.' Proverbs 21:20 NLT

It’s foolish to buy things you don’t need and can’t afford, especially when your bills are overdue and you’ve nothing set aside for the future. As a financial adviser, unfortunately, I see this occurring all too often. The reality is that your financial security is not determined by what you earn, rather it ends up being determined by what you owe!  Having to work for years to repay debt severely limits your options. So, determine your lifestyle by your actual income, not by what you wish it was or hope it will be. And when you get a raise, don’t automatically spend more.

The Bible says, ‘There is precious treasure… in the dwelling of the wise, but a foolish man squanders it.’ (Proverbs 21:20 NKJV) One of the wisest things you can do today is to start saving for the future and sowing a portion of your income into God’s Kingdom (see 2 Corinthians 9:6).

Unfortunately, the fact remains… Christians have racked up debt with no plan for financial accountability… they’re tapped out keeping up with interest payments.’

Is your philosophy in life, ‘Why wait and save, when a credit card or extending my loan will let me have what I want right now?’

If you’re buying things you don’t need with money you don’t have, stop it!

Before you purchase anything else, ask yourself if you really need it. And even if you think you do, ask yourself if you can live without it for a while; otherwise, you’ll become a slave to credit card debt. Here’s some sound financial advice: pray for God’s guidance before you make any non-essential purchase.

God Bless,


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