The Scripture speaks about money more than almost anything, and, in an era of high credit card debt and instant gratification, we need to chew on God’s Word regarding financial responsibilities. The Scripture does not prohibit loans, yet we are commanded to pay off our debts, and it’s better to have little or no debt. It’s one thing to take out a modest and manageable home loan, but it’s another to just waste money and run up credit card debt on frivolous impulse shopping.

No matter where a Christian lives, basic fiscal principles still apply whether one is poor, average, or wealthy. The way in which one spends, saves, and/or borrows money reflects the secrets of the heart, and our credit card receipts have reflected ill upon us as individual Christians and as a Church corporately. The borrower is a slave to the lender, and the American Church has become a slave to creditors just as bad as individual Christians. Casting off this gorilla takes discipline and a willingness to delay gratification, which is not easy. However, it bears much fruit when put in to practice both fiscally and evangelistically.

When Christians learn to manage their finances, outsiders start to take notice, and this has happened in my own life as well as others. Over time, as more Christians live within their means, the louder the gospel will cry out to a lost and debt ridden generation because, as we practice sound financial stewardship, our resources will be better used to glorify God and not ourselves.

Therefore, let us encourage fiscal responsibility, and live out what we preach with our own dollars and cents.