This Is Why You Struggle With Money

There is more financial information out there than I have time to mention.

From budget apps like EveryDollar (which my family uses), Mint, and YNAB to professional money guru’s like Dave Ramsey. If you want information, there is widespread access.

Despite the plethora of resources presently circulating, people still struggle.

Marriages end over finances.
College students take on debt they struggle to pay off.
National consumer debt is at an all time high.

None of this is news to you because this is your story.  You have the app. You took the class, but you still struggle.  Why? It’s because all of those tools only work on the outside.  They don’t fix what is broken inside.

Our real problem is a collective inability to say “no” now so that we can say yes later.

We want what we want and we want it now.  This mindset creates more financial hardship than any other. Budgets are important, apps are helpful, and financial counseling is great, but none of those will fix your endless need for more.

Using financial tools before fixing what’s broken with you is like painting a rusted pipe.  Eventually the paint chips away and the rust shows through.

So what should you do?

  1. Pray for contentment.

    It’s time to do some soul searching with God. You most likely don’t have a income problem.  You have a spending problem.That problem is the result of a lie being repeated in your mind that says, “When I get more, I need more, and when I have more, it’s not enough.” What is forcing you to accept this lie?

    Pray for contentment.  Seek peace in our Savior and stuff becomes less of a priority.

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  2. Say no so that later you can say yes.

    As you grow into contentment, start practicing the art of saying “No!” It’s a magical word with the ability to save you thousands over the course of your life.Proverbs 21:20 says, “The wise store up choice food and olive oil, but the fools gulp theirs down.” Meaning wise financial people know how to limit their activity now, while fools are only interested in instant gratification.

    The wise knowns that if I say no now I can have even more later.  Learn to be content and wise with your money.  The first step on that journey happens when you say, “No”.

  3. Have less so others may have more.

    The church exploded onto history for three reasons, Jesus rose from the dead, the work of the Holy Spirit, and the radical generosity of the church. This is from Acts 2, the very first church.

    “All the believers were together and had everything in common.
      They sold property and possessions to give to anyone who had need. ” Acts 2:44-45

    As Christians our discontentment not only robs our joy but it steals other people’s blessings.  This means we must slow down our purchases, tighten our budget, and increase our generosity.

    The first century church thought, “Jesus’ generosity changed my life. Now I must extend that same generosity toward others.”  Let’s adopt that mindset and become radically generous.

Here me out before this is finished and you resume normal life. This article is not intended to be a guilt trip.  Quite the opposite. My prayer is that you find contentment with the blessings God provides for you, and in that contentment you enjoy life more fully.

Why do you think contentment is such an issue when it comes to finances?
Comment below with your thoughts.

11 thoughts on “This Is Why You Struggle With Money

  1. Sometimes it’s a contentment problem and sometimes it’s a fear problem—fear of missing out, fear of letting someone down, or fear of backlash. And, sometimes, it’s entitlement—“I deserve this because I work hard.”

    I love the points you make here, especially about having less so others may have more. One thing we chose to do was set aside money every month separate from church giving to have on hand to help others. It’s amazing how quickly it gets used up, but had we not chosen to set it aside, we could not have helped because it would have inevitably been devoted to something else.

    Liked by 3 people

    1. That is such a cool idea. We budget and give to compassion every month but I hadn’t thought to do that as well. I love this. Thanks for sharing.

      Liked by 2 people

  2. It is not unknown to hear me say that it is easier to get ahead once you break even. Contentment comes from a happy heart. Until the heart is healed we won’t be content.

    Liked by 4 people

  3. Great article. As for me, spending 22 years trying to chase success for this so called freedom, while doing it wrong and making it only so far up the ladder, only to fall further down. I’ve come to realize that since God said: let us make man in our image, and the first man he makes, He puts him to work in the garden. So if that’s gratification and I’ve found now that it is, to work hard, earn your money, recieve your daily bread, a walk with God, if you can be that true to Him, then the giving can be as you mentioned, joyfull for the church and those who need it.

    Liked by 3 people

    1. Love this perspective. Thanks for sharing.

      Like

  4. melissa.mato1@gmail.com March 25, 2018 — 7:36 pm

    Really great article I needed right now. Currently saving up for my first “military move” with my husband to be. Contentment is such an important and obvious reason….but easily forgotten. Thank you! 🙂

    Liked by 2 people

    1. Thank you so much. I’m praying for you and your families military move.

      Like

  5. At the begging when I had my injuries that left me unable to work and Finacial issues that Cause a big bankruptcy. The hard part was I had protected myself with insurance for the unexpected. And it fail me to protect my family income. We struggle so bad it felt like the end of our life and the hard working person I was. We struggle very hard. One thing I find now as I have found peace with Jesus against my enemies that destroyed us Finacialy, my family and I don’t struggle as our heart is with Jesus and I prey to take care of us through this injustice of a insurance company , my heart is at peace with him and I have ignore our money issues and we have leave a settle life ,we struggle but having peace and heart for Jesus is the best thing that we Have, then having worries about money , because the more you have the more you want , and when you have none you better make sure your heart is with god ! “ he is there for you.” —-> “if your heart is with love of money , luxury, richness hope when your life goes upside down you believe in jesus .” I’m a champion because he has being with me through this hard times society and governments institutions did to my family.

    Liked by 1 person

    1. I’m so sorry about all these struggles. That is a lot. Praying this turns around for you, but I also appreciate your outlook

      Like

  6. great post, thank you!

    Like

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