‘Tis the Season to Test your Stewardship


Happy Fall Ya’ll!

Can you believe that it’s fall already!? This is my favorite time of year. The crisp, cool air is perfect for bonfires and warm drinks, cozy clothes and beautiful boots! There is one down side to this glorious season – the holiday debt monster is lurking just around the corner.

Every year it seems like the holidays creep up on us with out our knowledge. So many of us end up at the end of November thinking, “Where will I find the money for Christmas presents?” This, after you have already spent your time, effort and hard earned dollars on Halloween and Thanksgiving. So out comes the credit card, that devil in your purse. By the time January roles around your trying to figure out how you’ll get the devil paid off in time for summer break and vacation season…

This doesn’t have to be the pattern of your life. God does not want this to be the pattern of your life.

The rich rules over the poor, and the borrower is slave to the lender.

-Proverbs 22:7

So many of us have hear this verse before. But for some reason, we borrow money anyway. I tend to justify borrowing money because it is something I NEED. (Like those awesome fall decorations!) Is that generally the case? Heck no. Borrowing money straps us up and ties us down. Worse yet, it causes all kinds of anxiety. Our heavenly Father does not want this for us.

If you really prioritize your desires for this fall and the holiday season, I’d expect that you, like me, would place spending time with friends and family at the top of the list. This does not mean spending money on friends and family.

Will we spend money? YES, but when we refocus our priorities on what is most important, things become less of a headache, and less expensive. We will also bring glory to God.

Instruct those who are rich in this present world not to be conceited or to fix their hope on the uncertainty of riches, but on God, who richly supplies us with all things to enjoy. Instruct them to do good, to be rich in good works, to be generous and ready to share, storing up for themselves the treasure of a good foundation for the future, so that they may take hold of that which is life indeed.

1 Timothy 6:17-19

You see, this isn’t just our money. Actually, it isn’t our money at all. It is the Lord’s money. He gives and he takes away. Everything we have is the Lord’s. How will we take care of what he has entrusted us with?

Now that we are more focused, what actions should we take to prepare ourselves financially for the holidays?

  1. Most importantly, come up with a written budget for each holiday, NOW! Don’t wait!
  2. Start saving, NOW!

– If you don’t think you can save the money necessary, you have to increase your income or decrease your budget. Maybe the kids just won’t have the coolest shoes at school, darn (insert a hint of sarcasm). Or have a yardsale – it’s the perfect time of year, and I’ve seen them everywhere!

***For next year, you should set up a Christmas savings account at your local bank. I have one, and have for years! I LOVE IT! Every pay check I put a set amount of money aside. The great thing about this account is that I can’t take the money out until they send me a check in… OCTOBER! Perfect timing, right?

Now that we are focused on what’s most important for the holidays, family and being a steward of God’s money, I hope that we can enjoy the season like you never have before! I pray that our giving will bless others and shine God’s light into dark places.

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10 thoughts on “‘Tis the Season to Test your Stewardship”

  1. I really love this. I totally agree. I have been doing the Christmas Saving Funds at our bank for the past 3 years and really love it. I like that you can transfer money into it anytime in addition to the monthly allotted transfers. Thanks for the reminder to set a budget and that its NOT our money, its Gods.

  2. Wonderful reminder! I should probably keep this one for later too! I sometimes get caught up in the whole gift giving stuff and this year I have 3 grandbabies to buy for! Whew!

  3. It’s been a constant cultural struggle for us to explain to friends and family that we don’t go into debt for the holidays. We’ve had to really work to set boundaries about gift giving. We’ve had to be firm with our extended families that we love celebrating holidays with them, but we simply cannot afford to be in a situation where everyone is giving and receiving a gift with every single cousin. We stick with exchanging gifts with the grandparents only. Even gift exchanges are a lot when you have several kids. It’s not been easy, but we believe this is important to our financial health and the health of our marriage (since debt causes strain on couples).

    1. This is such great advice! When you throw in the food to make and take things cost quite the pretty penny around the holidays!

  4. Good reminder! We save for Christmas throughout the year too and do our shopping in cash 🙂 Credit cards are soooo dangerous, especially in our consumer driven world. To help with the cost of Christmas gifts (or birthdays etc) we try to focus on only 3 gifts: something they need, something they want, and something that will draw them closer to God. Thanks for the post, pinning to share with others!

  5. This year is going to be weird for my family – travelling cross country ($$$) with young kids and then having to fly back after New Years. I don’t even want to do Christmas this year (in terms of presents) because of the giant hassle it will be for me. Convincing everyone else is the other part of it. So, this is a great reminder to start planning now so my life isn’t crazy then! Thanks!

    1. Girl! That sounds crazy! Planning ahead and communicating with your loved ones would definitely help. And maybe you could mail some of the gifts back home instead of dealing with the airlines!

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