Proverbs 4:23 

“Where the mind goes, the man follows”

-Joyce Meyer


Before we can try to develop good financial habits, we have to understand what our core beliefs are in regards to the purpose and use of money. We have to challenge ourselves to ask things like: “Why is money important?” “What should it be used for?” We are all going to have different answers to these questions and that’s totally okay! The important thing is to take the time to better understand who we are at our core and how that influences our money making decisions.


Questions to think about this week:


What is the purpose of money? 

  • Example: To pay the bills, to enjoy life, security, generosity, freedom, etc. After you list out some of the reasons for money, try and prioritize your list.

  • What do you believe is the #1 purpose of money?

Why do you work?

  • Example: to provide for others, to have an impact, to obey God, to pay the bills etc. When you are done making a list, prioritize this list too.

  • What is your #1 reason for working?



Finish with your personal financial statement: 

Money is for  __________. We should work to make money because ___________

The blanks should be filled in by your #1 purpose and your #1 why.


What do you dream about? What are some things you dream about having, or doing someday?

  • Example: You want to travel to Italy, pay off your student debts, have children, purchase your dream car, retire early, etc.

  • All these things require money! Look at your dreams and try to make a ballpark estimate of how much each one will cost. 

  • It will be important to know your goals and dreams as you start to move into making good financial decisions. Buying a coffee here and there might not seem like much, but it adds up! A year worth of Starbucks coffee might be able to help you reach some of your financial goals.

How do you feel when people talk about money? Does it make you nervous? Anxious? Excited? 

  • List out some of your emotions. Think and pray about these feelings. Is what you are feeling healthy? Are you stressing too much? Are you not caring enough? 

  • Some other questions to think through: How did your parents treat/talk about money? Were they spenders or savers? How do your close friends treat money? Do they like to encourage you to spend or save?


Hopefully taking some time to get a better understanding of how you view money will help you as you seek to budget and honor God with your finances. And remember, God does not ask for perfection; He just wants our love. It is not about trying to be perfect with our finances, but it’s about allowing God to be apart of those decisions. Our financials are made up of hundreds of decisions that we make each day, why not let God help with those decisions?


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To Him be the glory