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

Money Quotes to Live By

pepi-stojanovski-MJSFNZ8BAXw-unsplashWhat’s your favorite quote on money? That was the question asked in a Q&A while leading my Affording Your Lifestyle workshop for the Prison Entrepreneurship Program. There’s hundreds of quotes to take to heart or take to the bank. I share my favorite in every financial workshop: “If you can’t live on $30,000 a year, you won’t be able to live on $300,000.” If you won’t live on a balanced budget when you don’t have two nickels to rub together, you’ll never have the discipline to live within your means and create long-term wealth.


Each of the quotes below are worth a read and some reflection. How does each quote resonate with you? What feelings do they evoke? Which ones might you apply more of in you life? Solid financial stewardship provides the foundation for building a life plan. It’s important to evaluate your money mindset, worldview, and the role money plays in your life. Is your relationship with money working for you and helping you achieve your dreams?

My Favorite Money Quotes

Money Mindset

  • “Too many people spend money they earned…to buy things they don’t want…to impress people that they don’t like.” [Will Rogers]
  • “If you live for having it all what you have is never enough.” [Mike Ditka]
  • “Don’t let the fear of losing be greater than the excitement of winning.” [Robert Kiyosaki]
  • “A big part of financial freedom is having your heart and mind free from worry about the what-ifs of life.” [Suze Orman]

Money Principles

  • “Never spend your money before you have it.” [Thomas Jefferson]
  • “Money is only a tool. It will take you wherever you wish, but it will not replace you as the driver.” [Ayn Rand]
  • “Time is more valuable than money. You can get more money, but you cannot get more time.” [Jim Rohn]
  • “You must gain control over your money or the lack of it will forever control you.” [Dave Ramsey]
  • “The only way you’ll take control of your financial future is to dig deep inside yourself and fix the root problem that got you into your financial mess.” [Sandra Dillon]

Money Purpose

  • “Wealth is not about having a lot of money; it’s about having a lot of options.” [Chris Rock]
  • “We make a living by what we get, but we make a life by what we give.” [Winston Churchill]


“Money is not the currency that measures success” is a worldview counter to today’s message. I care about money in terms of its influence to achieve my servant leadership goals. If you have a favorite financial quote or a money message that’s had a major impact on your life, I’d love to hear from you.


About the Author: Sandra Dillon is a professional life coach with an extensive background in leadership, finances, and business consulting. She has a passion to help people be the hero of their own life stories. She administers assessments, designs, and facilitates workshops, and coaches both individuals and teams. You can learn more about Sandra or engage her as your coach by reaching out to or by visiting her website at


How Does Your Relationship with Money Affect Your Life?


When I ask clients to describe their relationship with money, most times I get a confused look. They’re not sure how to respond to that question, because they haven’t given much thought to money along those lines. Eventually, some may say that money is a means of getting what they want, a necessity to buy the basics of life, or the definition of success and power. How would you respond to that question?

Too many people spend money they buy things they don’t impress people that they don’t like.  [Will Rogers]

We all have a money mindset that translates into a money relationship. Does your money burn a hole in your pocket? Do you put your savings under your mattress? These behaviors all reflect the relationship you have with your money, and if you want to be in charge of your life, you first need to understand your deep-seated relationship with money today. If you are not intentional with your money, your money will be in charge of you.

An investment in knowledge pays the best interest. [Benjamin Franklin]

One of the first steps you can do is take a relationship survey with money to identify the role that money plays in your life—your money mindset. Does having money validate you, does it provide a sense of security? Do you use money as means of measuring your self-worth? Or, is it a means to create new experiences?

Your ability to live out your life purpose will be influence by your money mindset. Are they compatible? The health and satisfaction of marriages are heavily influence by each spouse’s relationship with money. Differences can produce intense conflict, if left unresolved, can lead to divorce.  If you’d like to explore your relationship with money and/or how it affects your marriage or partnership, let’s have a conversation.

It’s good to have money and the things that money can buy, but it’s good, too, to check up once in a while and make sure that you haven’t lost the things that money can’t buy. [George Lorimer]

About the Author: Sandra Dillon is a professional life coach with an extensive background in leadership and marriage coaching. She has a passion to help people be the hero of their own life stories. She administers assessments, designs and facilitates workshops, and coaches both individuals and teams. You can learn more about Sandra or engage her as your coach by reaching out to her at or by visiting her website at