When talking about financial stewardship according to the Bible, we ought to be very careful. It takes divine wisdom to handle money and wealth that glorifies the Lord and brings eternal benefits to you and others.
Today, I find this lesson about Biblical financial stewardship very crucial and worthy to share. Although I’ve already written a couple of articles about finances in the life of Christians.
Disclaimer: This post contains an affiliate link. If you purchase through my link, I may earn a commission at no extra cost to you. Thank you for supporting faith-driven content!
I believe I have your full attention now. Get ready cuz I’m going to take you through some of the best ways to handle money wisely without breaking the Biblical money principles.
Before I go any future, take a look at the Bible verse below:
“Of what use is money in the hand of a fool, since he has no intention of acquiring wisdom?” —Proverbs 17:16
I hope it joggles your mind to be cautious of dealing with money and its power in the hands of people.
Getting To Know Money as a Spiritual Mirror
Interestingly, the Bible mentions money and possessions over 2,000 times —more than prayer, faith, or even heaven. This is quite surprising to me. Why? Because how we handle money reveals the posture of our hearts (Matthew 6:21).
What is Biblical financial stewardship?
Biblical financial stewardship is not just about budgeting or avoiding debt; it’s a transformative journey of surrendering resources God has given us to promote the kingdom business (agenda).
Im here to challenge you in this write-up to help you rethink wealth, redefine success, and reclaim financial freedom through timeless Scriptural principles.
Im giving out all these tips and strategies for free so kindly pay attention. I’ve wanted to make this piece of valuable information and E-book behind a paywall. Now it’s free.
The Foundation: Understanding Ownership vs. Stewardship
The Bible says, “The earth is the Lord’s, and everything in it” (Psalm 24:1). So basically, everything we see on this earth is not ours but for the Creator of heaven and earth. Therefore, we should remind ourselves that we are just caretakers or stewards!
You Are a Manager, Not an Owner:
Now let me hit you with this sad truth; Everything you “own”—income, assets, even your skills—is entrusted to you by God (Haggai 2:8).
Stewardship is the acknowledgment that you’re handling His resources for His glory. And someday you will account for how you handled the resources God entrusted in your hand.
This truth might sound a bit scary, but you ought to understand that, you are responsible for your actions and decisions. God expects you and me to live wisely in this crooked world. In other words, we shouldn’t be fools.
The Parable of the Talents (Matthew 25:14–30):
God rewards faithfulness, not results. Child of God, are you faithful in your job, business, and other dealings —especially when it comes to money and material wealth?
Whether you have $10 or $10,000, your call is to invest wisely, avoid waste, and multiply what’s entrusted to you.
Investment is an opportunity to help us gain interest in the long run. It takes diligence and divine wisdom for the proper investment.
How To Apply This In Life
Since it isn’t an easy decision-making process, you have to be careful about this step for the Lord to help you audit your finances.
Ask personal questions like “Am I using this money in a way that honors God’s ownership?”
2. Core Principles of Biblical Stewardship
A. Avoid Debt Slavery
The Bible says, “The borrower is slave to the lender” (Proverbs 22:7).
Ah ah, this hits so hard on the nail. It’s a reminder for us to stay out of unnecessary debt. Debt often stems from impatience, discontentment, or pride (e.g., keeping up with others’ lifestyles).
Now, let me share one helpful remedy with you. Take action by prioritizing debt elimination using the “Debt Snowball” method.
Cut non-essentials and redirect funds to pay off loans. You can use this debt planner and monthly bill organizer to get yourself out of debt.
Sometimes the shame of being in debt is unbearable. So you must take proactive steps to break free.
B. Live Below Your Means
The Bible says, “Godliness with contentment is great gain” (1 Timothy 6:6).
Since when has extravagance helped the poor, average income earner, or the filthy rich? This is a serious problem that sabotages financial growth. It begins with individuals to nations. In this context, I’m talking to you. Learn to be content or frugal.
Contentment is not deprivation—it’s freedom from the lie that “more” equals “better.”
If you find it difficult in life and always living beyond your means, then get ready to take the right action.
Adopt a 70-20-10 budget:
• 70% for necessities (housing, food, bills).
• 20% for savings/investments.
• 10% for tithes/offerings.
If you need more direction I recommend you get yourself “The Budget Mom’s Budget Planner” by Kumiko Love.
This planner simplifies zero-based budgeting with sections meant for other things like tithes, savings, and debt repayment, which aligns with the 70-20-10 framework.
C. Give Generously and Joyfully
The Bible says, “Bring the whole tithe… Test me in this” (Malachi 3:10).
I understand that the issue of tithing is a controversial topic among Christians. Irrespective of this, some have given testimonies of how tithing has brought blessings to their lives.
Tithing (10% of income) is the baseline, but generosity goes further (2 Corinthians 9:7). In a broader perspective, the Lord loves a cheerful giver.
We are also commanded to give. The divine blessings behind this simple financial act are beyond understanding.
Now, let me cite some examples to get you started:
Allocate a portion of your income to:
• Tithes (church/local ministry).
• Offerings (missions, charities, helping the poor).
You will reap unexpected Blessings. You can even do some random kindness (e.g., surprising a struggling single parent with groceries).
D. Invest in Eternal Treasures
The Bible says, “Store up for yourselves treasures in heaven” (Matthew 6:20).
What are the things are you investing in on this earth? We are leaving everything behind so let’s think bout eternal wealth and cherish it than what we see here.
Eternal investments include funding evangelism, discipling others, and meeting urgent needs (James 2:15–16).
A Practical Example From A Couple
A couple redirected their vacation fund to sponsor a child in poverty. Years later, that child became a pastor transforming his community.
Their temporary sacrifice yielded eternal dividends. This will go on for years or centuries transforming lives. Bringing people to the knowledge of God —hence winning souls to His kingdom.
3. Breaking Free from Cultural Traps
A. The Deception of Materialism
Sadly, we’ve been conditioned to chase material wealth. We are being judged by our financial status. So many of us feel ashamed, lost, and useless. This isn’t how God wants us to feel or entertain. It’s a problem emanating from our corrupt societies!
Unfortunately, society equates net worth with self-worth. Remember what the Bible says, “One’s life does not consist in the abundance of possessions” (Luke 12:15).
Most Christians today have been misled by their pastors, teachers, and prophets in the name of God. The “Prosperity Gospel” distorts stewardship by promising God as a vending machine for wealth.
True blessing is His presence, not possessions. In this case, I always find genuine joy and contentment within my soul. Because the Lord is my portion and he is all that I need.
If you need more enlightenment to stay on the right path in other not to be deceived, I recommend getting “Counterfeit Gods: The Empty Promises of Money, Sex, and Power” by Timothy Keller. Click here to get this book now.
Within this book, Keller exposes how money becomes an idol and redirects readers toward worshiping God alone.
A Prayer for Financial Surrender
B. The Idolatry of Financial Security
Hoarding wealth signals distrust in God’s provision (Matthew 6:25–34). God isn’t interested in your wealth but in the richness of your heart.
Save wisely (Proverbs 21:20) but refuse to let fear dictate your decisions.
Practical Steps to Start Today
1. Conduct a Financial Fast: For 7 days, spend money only on essentials. Use the time to pray and reset priorities. Such a practical commitment will yield many benefits to you. Try it and come and thank me later.
You can get more help from this book 7-Day Financial Breakthrough Fast: A Quick Guide to Financial Transformation.
This book provides a faith-friendly framework to reset spending habits, reflect on God’s provision, and break cycles of materialism.
2. Automate Giving: Set up recurring donations to your church/charity. Be committed and the Lord will replenish you.
3. Create a “Generosity Fund”: Here you can save a small percentage monthly for spontaneous acts of kindness.
4. Teach Your Children: Use allowance money to model tithing, saving, and giving (Proverbs 22:6).
I always say many of us did not get proper financial training when we were kids. Anytime money gets into kids hands, what happens? —they begin to salivate for sweet and other unimportant materials.
With improper financial training for kids, they may likely grow up to be poor managers or stewards.
In this case if you are a parent, I recommend you begin taking your kids through money saving discipline by getting them this important kit called Smart Kids Money Saving.
This 3-jar set teaches kids to divide money biblically (Proverbs 22:6) while making stewardship interactive.
5. The Ultimate Reward: Freedom and Legacy
To enjoy freedom gives you the ability to grow in other important areas of your life. You further get debt-free living, reduced stress, and clarity to pursue God’s calling.
In furtherance, you leave good legacy behind. Wealth managed in God’s way blesses generations (Psalm 112:1–3). Imagine your great-grandchildren thriving because you broke cycles of greed or waste.
Now, get ready to say this financial reward shop prayer;
Lord, every dollar I have is Yours. Forgive me for times I’ve hoarded, wasted, or worshiped money. Teach me to steward resources with wisdom and radical generosity. Use my finances to advance Your kingdom. Amen.
Final Challenge To Be A Good & Productive Steward
• This Week: Identify one area where money controls you (e.g., credit card debt, impulsive shopping). Take one step to surrender it to God.
• This Year: Aim to give more than you ever have—not from guilt, but gratitude.
Finally, remember what the Bible says; “Whoever can be trusted with very little can also be trusted with much” (Luke 16:10).
In this case, try your best to produce in abundance the little God has entrusted to you. This becomes possible through the wisdom from above. Your faithfulness in small things today unlocks divine trust for greater impact tomorrow.
Your journey to financial freedom starts now—not just for your sake, but for the sake of a world in need of Christ’s light.
I welcome your comments and feedback. Stay blessed!
About Author
