How You Can Steward God’s Money Better

Part 3 of 3-Part Series

Your Money? God’s Money? Whose Money Is It? and How Well Do You Steward God’s Money? framed a Biblical worldview of money and provided an opportunity for self-assessment against that standard. Living in the “of the world” can make it difficult to have clarity on money ownership, and at times, it can be painful to be honest about our short-comings. Don’t beat yourself up. Instead of wasting time ruminating on what you should have done in the past, decide what steps you can take to move forward.

“Money makes a terrible master but is a good servant to those who are God’s money masters.” — Sandra Dillon

Although your next moves should be prayerfully God-inspired, if you have difficulty hearing God’s voice, below are a few suggestions to consider:

  1. Spend time with God daily asking for His guidance on how to steward His money?
  2. Research and pray on Biblical Scripture that speaks to money and its stewardship? What ideas come to mind?
  3. Commit to giving at least a tithe (10%) of your income for service.
  4. Research and commit to giving at least a tithe of your time to service in a ministry that speaks to your heart and talents.
  5. Track where the money you have access to “comes and goes” (income and expenses) over 3 months. When you take an honest look at the numbers, are you honoring God with your decisions? Are you living beyond your means or extravagantly within your means?
  6. What can you give up to demonstrate that you have self-control and discipline when it comes to money management?
  7. If your income was reduced overnight by 25% and you couldn’t go further into debt to fund your lifestyle, what cuts would you make to your expenses? After completing this exercise, why not do it and see how you can successfully live on less? Then give away the rest in a way that multiples the gift.

“Be content with what you have, learn to live on nothing, so you can live on everything.” — Sandra Dillon

Materialism, not money, brings anxiety and worry. Do I have enough? It creates independence and self-sufficiency which creates a degree of separation from God. When we depend on ourselves, we need less of God. And materialism leads to pride and elitism reflected in thoughts such as “I have more, therefore, I’m better than others.”

“Materialism blinds us to our spiritual poverty. Those that love money will never have enough.” — Sandra Dillon

Remember that God’s money is under your management. Are you a good money manager? Or are you storing up treasures on earth when you should be focused on heaven. Because it’s so easy for those of us in developed nations to suffer from affluence, have a distorted relationship with money, and a separation from God, we should do a yearly check-up. Check your money worldview, do a self-assessment, and then make the necessary changes that help you put some “Kingdom currency” in your heavenly bank account based on your money decisions on earth.

Do you want to be known as the richest person in the cemetery or the richest soul in God’s Kingdom. Make some decisions now that provide a bit of personal suffering. You’ll survive, and I guarantee you will strengthen, build resilience, and others will be inspired by watching God work through you. God will reward you for blessing those who could not repay you.

About the Author: Sandra Dillon is a professional coach with an extensive background in premarital/marriage, finances, ministry, and leadership. She coaches individuals and couples to find their purpose, be the heroes of their own life stories, and help them be a shining light in this spiritually dark world. You can learn more about Sandra or engage her as you coach by reaching out to her at