Money $eries Week: Building Financial Muscle

Today is the last day of Money $eries Week and we hope you have enjoyed it. We hope it has impacted you and given you motivation to go seek God and His Wisdom to view money from His perspective so you can manage it right and righteously.

To conclude, let’s review things we should all be doing to build financial muscle and gain financial freedom.

  1. Tithe. Give God back at least 10%, or start wherever you can in your faith, from all you earn to show You trust Him, to honor Him, and to provide for the ministries of His Kingdom here on earth.
  2. Save. Save as much and every cent you can. “There are times it has been hard to save or resave once I finally saved up something, but one thing for sure I do save my bronze and silver coins without fail,” says Tannika of Fruitful & Fabulous. Save an emergency fund for emergencies like a medical bill, or immediate expenses after losing your job, or if your car breaks down. Save for an expenditure (when a birthday you forgot or event comes up and you want to spend money on a gift) fund. Save for a vacation fund. Just get in the mindset of paying you too and saving.
  3. Romans 13:8 Let no debt remain outstanding, except the continuing debt to love one another, for whoever loves others has fulfilled the law. Pay off debts (high interest rate ones first or if that way seems too daunting, pay from the smallest to the greatest), and reduce the number of credit cards or some suggest just have one. Having a home mortgage or student loan is not a bad thing but do make efforts to pay those off early if can. Credit card debt is bad. “It is the worst, it seems to never go away once you have a balance from this one and then that one. “I once cleared and paid all my credit card debt. I paid it off and raised my credit score as well as saved money to put down money on my own home,” says Tannika. “So being credit card debt free is possible. The second time around has been difficult but I am determined to break free.” God doesn’t want us to be bound to debt. Pay your credit card bills on time and try to pay more than the minimum. If you must, don’t use your credit card for purchases unless you know you can pay it in full or 80% in full next bill. And assess if it is wise to purchase the item or thing you are trying to buy at that time. 
  4. That leads us to the next one, which should have been first. Seek ye first the Kingdom of God and his righteousness; and all these things shall be added unto you. God doesn’t just disburse you green funds but other gracious gifts like wisdom, favor, His presence (we need those just as much as money). So seek God first! Seek God period. Ask Him for wisdom concerning money and how to manage it. Some people say they even pray and ask God to show them where the discounts and sales are. Get God involved in giving you strategies and wisdom with the monies He gave you to manage, provide for your needs, and be blessed and to bless. He is omniscient and our provider, so trust Him with what He is entrusting you with.
  5. Budget. Create a monthly budget and financial goals. Know what is coming in and going out, and regulate it. Put expectations on your money. Sacrifice things, like cable, you don’t need. Have a grocery list when you walk into the grocery store. And constantly check your budget and make revisions when you have to. Carry cash more or only instead of plastic money (credit cards as well as your debit cards). Have you ever got your items rang up and the price is over what you expected and you may not have it, but you pull out that plastic money. If you have cash, you have no choice but to stay in the confines of your budget. 
  6. Spend wisely. Don’t covet what someone else has. That means to want badly what someone else has. And don’t try to keep up with the Joneses. It leaves you broke, frustrated, and unoriginal. Don’t try to impress everyone and spend money you don’t have. Discipline your flesh also and learn to tell yourself no. You just might not need another dress if you are not wearing the other five you haven’t worn in awhile. At least donate two dresses if you must get that new one. 
  7. Invest your money. Make your money earn money (read previous post about what Shalamaar says about investing) and talk to a professional banker or stockbroker about ways you can invest monies.
  8. Give Back. You were blessed to be a blessing. And yes you are blessed whether you realize it or not. Impact and help others any way God leads you to help, whether it is donating to a cause or giving your time. 
  9. Don’t wear yourself out to get rich. Proverbs 23:4 Do not wear yourself out to get rich; do not trust your own cleverness. Read Proverbs 23:5 and ask someone who has had millions and squandered it, and you will see why. Trust God who is our source to everything. He created us and this whole world. Pursuing riches and obsessively only leads to heartbreak and ruin. 
  10. Obey God. Obey God and do not forget Him when you are blessed and prospering. And yearn to see success the way God does because He views it differently from the world. If you obey the Lord your God: Blessed shall you be in the city, and blessed shall you be in the field. Blessed shall be the fruit of your womb, the fruit of your ground, and the fruit of your livestock, both the increase of your cattle and the issue of your flock. Blessed shall be your basket and your kneading bowl. Blessed shall you be when you come in, and blessed shall you be when you go out…. The Lord will make you abound in prosperity, in the fruit of your womb, in the fruit of your livestock, and in the fruit of your ground in the land that the Lord swore to your ancestors to give you. The Lord will open for you his rich storehouse, the heavens, to give the rain of your land in its season and to bless all your undertakings. (Deut. 28:2-7; 11–12)
  11. Invest in the Kingdom of God. Do you sow into the Kingdom of God with your time, money, and talents and gifts? Bless God’s kingdom with what He blesses you. Esther 4:14b And who knows but that you have come to your royal position for such a time as this?” There is a reason why you have those talents, spiritual gifts, resources. We are to build up the Kingdom and give God glory in all that we do.
  12. Lastly, Pray. Talk with God and listen to Him daily!        photo from Dave Ramsey’s Baby Steps (


                Living Life the Fruitful Way 


        Tell us what you have enjoyed, learned, and will apply to your life after this series.


        We, at Fruitful & Fabulous, are not certified financial planners or financial advisors. We do research and reference the sources that we use within our writing. The information provided should not be used as financial advice; it is used to promote financial literacy, financial literacy based from the Bible as well as discussion. The views, some of the experiences, and opinions on this site are that of the authors. Any suggestions or investment advice should be reviewed by a financial professional before acting on them.

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