As followers of Christ, we’re called to be good stewards of everything God has entrusted to us—including our finances. Yet, many believers feel overwhelmed or underprepared when it comes to managing money wisely. That’s where financial literacy comes in.
What Is Financial Literacy?
Financial literacy simply means having the knowledge and skills to manage your money well. It’s about understanding how to budget, save, invest, avoid debt, and plan for the future. It’s not just for the wealthy or the business-minded—it’s for everyone, including those striving to live by biblical principles.
Why Should Christians Care About Financial Literacy?
Scripture speaks often about money—not to burden us, but to help us live in freedom and generosity. Learning how to handle money wisely empowers us to reflect God’s character in our everyday lives.
Here are a few key principles every believer should understand:
- Create a Budget (and Stick to It)
A budget is a simple but powerful tool that helps you tell your money where to go. It ensures you’re living within your means, providing for your family, giving to others, and preparing for the future.
Jesus Himself taught the importance of financial planning:
“For which of you, desiring to build a tower, does not first sit down and count the cost, whether he has enough to complete it?” — Luke 14:28
Budgeting is an act of stewardship—taking responsibility for what God has given us.
- Avoid Unnecessary Debt
Debt can easily become a burden, both financially and spiritually. The Bible encourages us to handle debt with caution and integrity.
“Let no debt remain outstanding, except the continuing debt to love one another.” — Romans 13:8
This verse reminds us that while some financial obligations are inevitable, love and responsibility should define our commitments. Pay down debts diligently and avoid taking on more than you can manage.
- Give Generously
Generosity is a natural response to God’s grace in our lives. Giving blesses others, strengthens our churches, and breaks the grip of materialism.
“Each one must give as he has decided in his heart, not reluctantly or under compulsion, for God loves a cheerful giver.” — 2 Corinthians 9:7
Whether it’s your tithe, a gift to a neighbor, or support for missions, giving isn’t about the amount—it’s about the heart behind it.
- Save and Plan for the Future
Financial literacy involves preparing for life’s unexpected moments. Saving for emergencies and future needs is not only wise, it’s biblical. God honors our efforts to provide and plan ahead.
- Seek Wise Counsel
You don’t have to walk the financial road alone. Proverbs often reminds us of the value of seeking advice. Talk to trusted friends, advisors, or church leaders. Even one good conversation can bring clarity.
Final Thoughts
Financial literacy isn’t just about making good money choices—it’s about honoring God through wise stewardship. As we grow in understanding, we gain peace, confidence, and the freedom to live generously.
No matter where you are on your financial journey, take the next step with faith. God is with you, and His Word provides a trustworthy guide.