Biblical Principles of Saving Money: A Lesson in Stewardship
Introduction
Do you know what separates those who merely survive from those who thrive? It’s not just how much you earn; it’s how much you keep and what you do with it. Saving money isn’t just a financial principle—it’s a spiritual principle. Proverbs 21:20 says, “The wise store up choice food and olive oil, but fools gulp theirs down.”
Saving is not about scarcity or deprivation—it’s about wisdom and stewardship. It’s about making sure that the blessings God gives you today can multiply tomorrow. So let’s dive into the “why,” “how,” and “what” of saving money God’s way.
1. The Why: The Purpose of Saving
Saving isn’t just about financial security; it’s about preparing for God’s opportunities. Let’s break it down:
- Preparation for Future Needs
Joseph saved during seven years of plenty because he knew a famine was coming (Genesis 41:34-36). Savings create margin, so when challenges or opportunities arise, you don’t have to panic—you’re prepared. - Resource for Kingdom Work
If God calls you to sow into a mission, start a business, or help someone in need, your savings empower you to say “Yes, Lord!” without hesitation. - Leaving a Legacy
Proverbs 13:22 says, “A good person leaves an inheritance for their children’s children.” Saving is about more than you; it’s about legacy. It’s about leaving your children better off spiritually, emotionally, and financially.
2. The How: Practical Principles of Saving
You don’t need to wait until you’re rich to start saving; you just need a plan. Let’s make it practical.
- Tithe First, Save Second
God always gets the first 10%—that’s the tithe. The next 10%? That’s for you to save. Think of it as paying your future self. - Set Aside Consistently
Proverbs 6:6-8 talks about the ant, who stores up food during the harvest. Saving isn’t an event; it’s a habit. Automate it if you need to, but stay consistent. - Start Small but Start Now
The widow in 2 Kings 4 didn’t start with a room full of oil—she started with a little. God can multiply what you save, but you’ve got to give Him something to work with.
3. The What: Where to Save
God is not just interested in the fact that you save, but in how you manage what you’ve saved. Here are three categories to prioritize:
- Emergency Fund
This is your storehouse for unexpected challenges. Aim for three to six months of expenses, just like the ants who prepare for the lean season. - Investment Fund
This is where your money starts to work for you. Think long-term—real estate, stocks, or even a business idea that aligns with your calling. Matthew 25 reminds us that God rewards those who multiply what they’ve been given. - Generosity Fund
Saving isn’t just about accumulation; it’s about distribution. Imagine being able to say, “God blessed me, so I’m blessing you.”
4. The Mindset: God is Your Source
Here’s the key: don’t let saving turn into hoarding. Always remember that God is your ultimate provider. Saving is faith in action, but it’s not a substitute for trusting Him.
Jesus says in Luke 12:15, “Life does not consist in an abundance of possessions.” Saving is a tool, not your security. Your security is in the God who gives seed to the sower and bread for food (2 Corinthians 9:10).
Call to Action
Saving isn’t just about money—it’s about mindset. Start today, no matter how small. Set a goal, commit to it, and watch how God blesses your faithfulness.
Here’s your homework:
- Calculate your monthly expenses and set a savings target (10% minimum).
- Open a dedicated savings account or envelope.
- Pray over your savings and ask God for wisdom to manage it well.
Remember, when you save with purpose, you position yourself for provision. And when you save with faith, you unlock the blessings of a God who owns everything. Now go, be a wise steward, and let your savings testify of God’s abundance!
“Wisdom in savings creates freedom in living.”
