Needing Helpful Money Advice?
I bet if we all sat in a room and I asked, “How many here could use some extra working capital? Who could use more money?” everyone would raise their hand. Every one of us would be happy to make more money. But what if the amount of money we make isn’t the cause of our money problems? The subject of money isn’t a fun one, but has a huge impact on our lives. I actually enjoy talking about this subject, so I’m just gonna dive right in.
Now, the advice you’re about to hear is not what Wells Fargo, Chase Bank, Capital One, or American Express would tell you. I am convinced none off us need to make more money. We need to spend less. We need to spend better. Not everyone can control the amount of money brought in, but everyone can choose the amount going out, especially the petty cash.
The number one pushback I get when having this discussion is, “Well I need all these things I currently purchase.” But do you? Do you really spend all your money on things you need? Do you need more clothes? Do you need a bigger tv? Do you need to eat out at restaurants every day? Do you need four cars?
The majority of people with money problems do not suffer because they were smacked with a random life crisis. It’s because they’ve never learned how to budget. They simply find a job they can do pretty well and just spend money wherever. The majority who struggle with money don’t know how to say no. This is the reality, plain and simple. Some are smacked with a life crisis, and they need help, but I’m speaking to the majority here.
Getting debt-free does not possess a cookie-cutter answer. It’s different for each household. Some need to throw away credit cards and use cash only. Some need to sell things. Some need to downsize. What needs to be your strategy? What’s your plan? What’s the next step to get where you’re wanting to go? It’s not hard to figure out what exactly needs to happen. Each household usually knows what the problem is.
Rather than seeking a bigger, better paying job, maybe the problem has to do with spending too much on things that don’t matter. Maybe the job you’re currently at is where God wants you to be and he’s trying to discipline your spending habits. If your spending habits aren’t good with the amount of money you’re given now, why would your habits get better with a larger amount of money? It wouldn’t.
I’m no financial guru. However, my wife and I have disciplined ourselves to spend what we have been given by God wisely. We know what is truly needed and what is not for us. We believe the income we receive is God’s provision for us, and it’s up to us to steward that well. Getting more and more money is not the answer. We need to learn how to spend better.