Tithing, bills, debt, credit cards, credit scores, stocks, savings accounts, emergency funds, 401(k)s, Roth IRAs… Whew! Personal finances encompass a lot, but the best thing I’ve done is remain teachable and eager to learn. The Bible has many instructions on how God wants us to handle our finances, with over 2,300 verses about money, wealth, and possessions. This includes the New Testament too, Jesus spoke about money often, dedicating about 15% of His teachings and 11 of His parables to the subject. The goal of my articles is to tell you all that I’ve learned, and am learning, about being a good financial steward as a childfree Christian. If you are one too, our finances will look different from someone who is planning to have children.  

Why Money Matters in Scripture

Money isn’t just a practical tool; it reflects our values, priorities, and trust in God. The Bible’s teachings are a guide for building a healthy relationship with money, one that balances generosity, planning, and trust in God’s provision.

Learning to Manage Finances Wisely

1. Tithing and Generosity
   Tithing is more than just a financial transaction; it’s an act of faith and gratitude. Malachi 3:10 challenges believers to test God’s generosity through tithing, promising that He will “open the windows of heaven” in response. Giving also cultivates a heart of generosity and ensures that money doesn’t control us.
   
2. Budgeting for Success
   Proverbs 21:5 says, “The plans of the diligent lead to profit as surely as haste leads to poverty.” Creating a budget is a practical way to honor this wisdom. It helps ensure you live within your means, prioritize your spending, and achieve long-term goals.
   
3. Debt Management
   Romans 13:8 advises, “Let no debt remain outstanding, except the continuing debt to love one another.” While debt can sometimes be necessary, managing it wisely is key. We actively try to avoid high-interest debt, unnecessary borrowing, and live with financial freedom in mind.
   
4. Build Funds for the Future
   Life is full of unexpected events, and Proverbs 6:6-8 encourages us to be like the ant, storing provisions for the future. We have an emergency fund that provides a safety net and protects against financial crises. A house fund to save thousands in interest payments. A vacation fund so we can enjoy seeing the world without guilt or debt. A car maintenance fund helps us stay prepared for unexpected repairs. And individual savings accounts for personal purchases.

5. Balancing Faith and Finances
   Managing personal finances isn’t just about wealth accumulation; it’s about aligning our resources with God’s purpose. Money is a tool to provide, bless others, and glorify God. The journey to financial wisdom is ongoing, but I know the key is to stay teachable and grounded in biblical principles.

Thanks for reading a story from Childfree Christians—choosing joy, purpose, and a whole lot of freedom.