There is much to be said about Christian personal finance and how that finance should be used, however, it all boils down to wise stewardship. Christian personal finance has some aspects as any other finance. The Christian must be wise in spending his or her money, developing a budget and sticking to that budget and avoiding debt.
The key difference in Christian personal finance, however, is that the Christian must recognize that he or she is a steward (a manager) over God's money. Not his or her money, but God's money.
The Bible reads "The earth is the Lord's and everything in it, the world, and all who live in it." (Psalm 24:1, KJV).
The Christian is indeed a manager assigned to manage over God's property and as seen in the parable of the ten talents, must give an account of the way that God's property is being managed under his or her stewardship. Staying out of debt, wise spending and sticking to a budget is great to help you buy that new house, that new car yet God is looking for more from the Christian in his or her stewardship.
Keeping this in mind, the Christian should always handle his or her personal finance in a way pleasing to God. How is Christian personal finance used to please God? Glad you asked. Christian personal finance should be used (1) to meet the needs of the Christian and his or her family with the finances that God has blessed him or her with; (2) to help the Christian enjoy what God has blessed him or her with. It is God's desire and pleasure to bless His people both spiritually and naturally (financially) and (3) the Christian should be a blessing to others by giving to the needs of others---Remember, the Christian is a co-laborer with God and is expected to be about the business of building for the Kingdom of God.
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