Decisions

As we continue reflecting on Stewardship, we realize that stewardship involves not only the sharing of our resources, but also, as important, how to "manage" the resources God has gifted to us.  There are alternatives when it involves Christians who make financial decisions.  We can be better stewards if we live according to God’s plan.  We can do so by understanding His directives for our lives. Every decision requires a thorough understanding of God’s plan, and that understanding comes from studying God’s Word and communicating with Him in prayer. If Christians never ask God’s direction regarding financial decisions, they will never receive an answer. Here are some thoughts Christians should consider when making financial decisions:(1) 

Avoid speculation
Christians should seek God’s increase rather than trying to increase their financial worth through speculative ideas. They must assess every so-called opportunity with their relationship with Christ and not let others make financial decisions for them. Instead, every decision must be made in light of individual goals, is it necessary, and whether it fits into God’s individual plan for their lives.

Keep finances current
Christians need to always manage their finances on a current basis, especially avoid borrowing beyond their abilities to repay. If what is wanted or desired jeopardizes future financial freedom, forget it; impulse buying or consumption, is disastrous to budgets.  So, plan for tomorrow by prudence today; make plans in light of present circumstances, not on some future event; and maintain the principle of staying debt free.

Keep Christian witness
Consider every decision on its effect on the work and reputation of Christ. Therefore, place God in your financial corner all the time and do not just call on Him during a time of economic crisis. To blindly pursue a course without a directive from God and then depend on Him to correct any  financial disasters is not God’s will; nor is it according to His plan. Be prudent in borrowing. “The rich rules over the poor, and the borrower becomes the lender’s slave” (Proverbs 22:7).

Share—do not loan
Christians should avoid lending to those in need if sharing is possible. Give serious thought before  lending someone who is requesting help in order to satisfy a want or desire, and not a need. Satisfying a want or desire is not God's will. But, if that person is really in need and God has directed that he or she is to be helped, it is the Christian’s responsibility to supply that need.

Avoid indulgence
Christians need to learn to discern the difference between needs, wants, and desires in every financial transaction. This applies not only to purchases of material goods but to investments as well. Before buying, determine whether the purchase is a need or desire; then check it against God’s principles. Before investing, determine the reason for investing and what will be done with the money if God blesses with increase.

Many Christians get frustrated because they cannot distinguish between luxuries and necessities. Consequently, they seek fulfillment through the same ways as non-Christians and then wonder why they have fruitless Christian witnesses. God wants us to live comfortably, but He does not direct us to live lavishly.

Prepare for downturns
Being prepared for unexpected downturns in funds (usually from a major change in employment status) is a vital part of keeping financially current. Evaluate all financial decisions on the basis of what would happen if there was even a small decrease of income or available funds. Can you make adequate adjustments to live within new spending limitations without having to go into debt in order to maintain a current lifestyle? Do not always live at the upper limit of income. Instead, make financial decisions knowing that the possibility exists that if there is a sudden drop in income, it may be necessary to reduce current living standards.

Let peace rule
Too often Christians only realize that God is trying to speak when they experience inner turmoil known as lack of peace. God does use this to provide direction. A good rule of thumb is, if He does not give peace, do not get involved.  Avoid a quick decision if one is required, do not get involved. Take the time to think and to pray about any decision, especially financial decisions that will affect the family, and be determined not to make any financial decision under pressure. “It is the blessing of the Lord that makes rich, and He adds no sorrow to it” (Proverbs 10:22).

Conclusion
Stewards are sensitive to God’s guidance by becoming familiar with His directives and leadership, through the study of His Word and by communicating with Him through prayer. He will always provide the right direction for those who seek it. Even when we fail to see the right path clearly in God’s Word or fail to hear Him in prayer, He will never fail to place an unrest or a peace inside that will confirm His preferred course and His will. If we are sensitive, we can be good stewards of God's gifts.

1 Many of these thoughts were summarized from Larry Burkett. For more work by Larry see:  

• Biblical Principles Under Scrutiny, “Avoiding Get-Rich-Quick,” Christian Financial Concepts, 1988

• Debt-Free Living, Moody, 1989, p. 100

• Answers to Your Family’s Financial Questions, Living Books, 1998

• Your Finances in Charging Times, Moody, 1975