Custom CSS of Section contains Conditional Preview for See Life Campaign Elements

Spending Too Much

Share:
Share on facebook
Share on twitter
Share on pinterest
Share on print
Share on email

1. The problem defined

Without getting too close-up-and-personal, many would confess that part of the financial problems their families have are connected to the living-on-two-salaries phenomenon that often has us living beyond our means.

When our son, now a retired firefighter, married the schoolteacher love of his life my wife and I counseled them when they were about to buy their first home.

Like many young newlyweds, they wanted to have a house bigger and better than their parents. We told them they might have to wait and we strongly suggested that they not buy anything they couldn’t afford on his salary alone. After all, we suggested, when a pregnancy, job loss or illness suddenly reduces you to a one-income family, a looming mortgage that’s based on two salaries can becomes an indomitable problem.

They took our advice and five children later they’re still in that small home. They have built an addition called the”boys’ dorm,” put one son through college, have a daughter in college and another son and daughter headed toward college after high school. Their oldest son is now a firefighter like his father.

This is more than bragging about our family — it’s an illustration of living within one’s means.

Let’s be honest about it. Even in good economic times, whether large items like houses and cars or small things, overspending can still be the result of poor planning or bad decisions.

So, whether good times or bad, you need to break the habits associated with overspending, spending more than you make.

2. The biblical solution

Does the Bible really have anything to say about overspending?

Well, if you’re doing a biblical word search for”overspending,” chances are you won’t find the specific word. But the principle is there in God’s Word. Check these out.

  • “The prudent sees the evil and hides himself, but the na√Øve go on and are punished for it” (Proverbs 22:3).
  • “You ask and do not receive, because you ask with w[Lit wickedly ]rong motives, so that you may spend it on [Lit in ]your pleasures” (James 4:3).
  • “Who has given [Lit anticipated ]to Me that I should repay him? Whatever is under the whole heaven is Mine” (Job 41:11).
  • In Matthew 6:24, Christ very precisely says we must either serve God or money. We cannot serve both.

If you’re reasonably certain that you know God’s will for you, and you’ve decided to live your life His way, then you’ll have the sort of balance in your life that precludes any sort of habitual overspending or binge spending.

3. A Christian’s perspective

Most people who have a problem with spending too much do so because they aren’t living on a monthly budget. Let’s face it, many people don’t even like the word budget. Some who are reading this may be saying something like,”I’ve lived this long without a budget, why do I need one now?”

However, whether you like the word or not, a family budget facilitates the way you manage how you will spend your monthly income, because it helps you plan for regular expense payments as well as occasional and even emergency needs.

So, if you don’t like the idea of having to live on a budget, then let’s call it a monthly spending plan. Once you have committed to a budget/spending plan that allows you to live within the means that God has provided for you, you’ll be amazed at what it does for your finances, relationship with your spouse, confidence and your general well-being.

One thing is certain: overspending produces debt problems that can compound themselves and things like family relationships quickly deteriorate under the pressures of payment deadlines.

It’s no secret that the main source of debt is accumulation from credit cards. Overspending through the use of a credit card often is the result of poor planning or lack of time and may result in some families spending as much eating out as they spend on the food they eat at home.

You might discover that delaying those instant gratification impulses you occasionally get will reveal how little you really need the item. So, instead of giving in to instant gratification and charging something, plan and save regularly, and then purchase the item.

God always has an alternative to debt. But, of course, it may mean that you need to rethink and reset your living standards in order to resist any tendencies toward lavish overspending.

For some real-time online help with establishing your spending plan, go to www.crown.org.

You’ll find a free online calculator and other free financial tools that will show you how to track your expenses and get started on your spending plan.

Stop overspending now—you can get along without a loan!

Dynamic CTA Template Below

Your Teen Needs You Most of All

No parent of teens is perfect and even the best can learn how to better connect with their son or daughter. Get practical action steps to better connect with your teenager in 8 Essential Tips for Parenting Your Teen in this FREE video series!

There Is Still Hope for Your Marriage

You may feel that there is no hope for your marriage and the hurt is too deep to restore the relationship and love that you once had. The truth is, your life and marriage can be better and stronger than it was before. In fact, thousands of marriages, situations as complex and painful as yours, have been transformed with the help of professionals who understand where you are right now and care deeply about you and your spouse’s future. You can restore and rebuild your marriage through a personalized, faith-based, intimate program called, Hope Restored.

There Is Still Hope for Your Marriage

You may feel that there is no hope for your marriage and the hurt is too deep to restore the relationship and love that you once had. The truth is, your life and marriage can be better and stronger than it was before. In fact, thousands of marriages, situations as complex and painful as yours, have been transformed with the help of professionals who understand where you are right now and care deeply about you and your spouse’s future. You can restore and rebuild your marriage through a personalized, faith-based, intimate program called, Hope Restored.

There Is Still Hope for Your Marriage

You may feel that there is no hope for your marriage and the hurt is too deep to restore the relationship and love that you once had. The truth is, your life and marriage can be better and stronger than it was before. In fact, thousands of marriages, situations as complex and painful as yours, have been transformed with the help of professionals who understand where you are right now and care deeply about you and your spouse’s future. You can restore and rebuild your marriage through a personalized, faith-based, intimate program called, Hope Restored.
Emerson-Eggerich4-840w

Understand How to Respect and Love your Son Well

Why doesn’t my son listen to me? Have you ever asked that question? The truth is, how you see your son and talk to him has a significant effect on how he thinks and acts. That’s why we want to help you. In fact, we’ve created a free five-part video series called “Recognizing Your Son’s Need for Respect” that will help you understand how showing respect, rather than shaming and badgering, will serve to motivate and guide your son.

Reconnected: The Digital Experience

Is the love there, but not the spark? Reawaken fun in your marriage and move from roommates to soulmates again with the help of this 7-part online video experience. Learn how to connect emotionally and spiritually as husband and wife using techniques such as dreaming together and establishing deep, heartfelt communication. The Digital Experience includes 7 teaching videos, an online study guide and access to additional tools and resources to help spouses reconnect.

Next Steps: Marriage Assessment

We want your marriage to be thriving and healthy. Take the free Marriage Assessment from Focus on the Family to learn how to strengthen your bond with your spouse and get the tools to help you need to grow closer together. 

Next Steps: Fruit of the Spirit Devotionals for Couples

The Fruit of the Spirit Devotional is a free series of nine short videos to get you into God’s Word and inspire you to seek the Holy Spirit’s help in loving your spouse.

Share:
Share on facebook
Share on twitter
Share on pinterest
Share on print
Share on email

About the Author

Read More About:

You May Also Like

upset-woman-with-financial-papers
Abuse

What Is Financial Abuse in Marriage?

Darby Strickland, a counselor and teacher at the Christian Counseling & Educational Foundation, defines financial abuse in marriage and offers advice for helping wives who are oppressed in this way.

Play Video

Newest Release - Episode 5: It’s Going to be Amazing!

After a couple has chosen life, hear the heartwarming stories of children that culture would have cast aside, yet are making tremendous impacts in their communities. Whether the diagnosis was adverse or the circumstances were difficult, these stories will inspire you to come along side of families who have chosen life!

Yes, I Promise to Pray for the Pre-born and Their Moms!

Will you pray for the pre-born and moms that are facing unexpected pregnancies? We will send you a 7-day prayer guide that will help guide you along this journey with us!! You can even choose to receive this great resource by text!

Play Video

Newest Release - Episode 4: Sometimes the Choice is Hard

Hear real life stories of parents who have made the decision to choose life even though the circumstances were overwhelming. You’ll see why “ALL” life is precious to God and why choosing life is always the right decision!

Yes, I Promise to Pray for the Pre-born and Their Moms!

Will you pray for the pre-born and moms that are facing unexpected pregnancies? We will send you a 7-day prayer guide that will help guide you along this journey with us!! You can even choose to receive this great resource by text!

Play Video

Newest Release - Episode 6: Families Helping Families!

So, after all you’ve seen through the SeeLife ‘21 Episodic journey; what can you do now? We’ll share how you can partner with some amazing organizations that are making significant impacts in the pro-life movement! You want to Celebrate Life!

Yes, I Promise to Pray for the Pre-born and Their Moms!

Will you pray for the pre-born and moms that are facing unexpected pregnancies? We will send you a 7-day prayer guide that will help guide you along this journey with us!! You can even choose to receive this great resource by text!

Play Video

Newest Release - Episode 3: The Power of a Picture

Have you ever wondered what a baby looked like in the womb? With today’s technology, Moms and Dads can see the baby’s heartbeat, facial expressions, and movements! You’ll find out why more women choose life once they hear their baby’s heartbeat and realize it’s a real living human!

Yes, I Promise to Pray for the Pre-born and Their Moms!

Will you pray for the pre-born and moms that are facing unexpected pregnancies? We will send you a 7-day prayer guide that will help guide you along this journey with us!! You can even choose to receive this great resource by text!

Play Video

Newest Release - Episode 2: Heroes Providing Hope

Discover the amazing work our PRC’s Directors, Nurses, and Volunteers are making in their communities! You’ll see firsthand testimonies of a PRC in action, and that there are other options outside of abortions! You’ll also discover how your family can support your local PRC!

Yes, I Promise to Pray for the Pre-born and Their Moms!

Will you pray for the pre-born and moms that are facing unexpected pregnancies? We will send you a 7-day prayer guide that will help guide you along this journey with us!! You can even choose to receive this great resource by text!

Play Video

Newest Release - Episode 1: The Truth About Life!

In this episode, we will tackle tough questions like, “When does life begin?” and “What does the Bible
say about Life?” You’ll discover and understand the stages of pre-born life and that babies are more than
just a clump of cells!

Yes, I Promise to Pray for the Pre-born and Their Moms!

Will you pray for the pre-born and moms that are facing unexpected pregnancies? We will send you a 7-day prayer guide that will help guide you along this journey with us!! You can even choose to receive this great resource by text!