Money Management: Watch Your Spending  

It is easy to spend money. 

Do you often splurge on your credit cards?

Do you find it easy to rack up debt? 

I want to encourage you to watch your spending. Don’t just take on new debt, which may give you temporary satisfaction but leave you with a long-term debt hangover.

Practice restraint. Be disciplined—practice self-control.

“A person without self-control is like a city with broken-down walls.” (Proverbs 25:28)

If your credit cards are a temptation, then get rid of them. Cut them up if necessary, but don’t take on unnecessary debt this festive season.

“The prudent see danger and take refuge, but the simple keep going and pay the penalty.” (Proverbs 27:12)

If you are short on cash, can you sell some items that are gathering dust in your cupboard? 

Are there any old items in the attic or gathering dust in your garage that you don’t need or no longer use that you can sell to free up some cash?

Instead of spending extravagantly, could you use your creativity to devise intelligent ways to cut back on non-essential spending? 

If money is tight and you want to take your loved one on a date night, can you exchange an upmarket expensive restaurant meal for a candlelit coffee and cake and a stroll on the beach? 

Remember that the best things in life are free. 

“I know what it is to be in need, and I know what it is to have plenty. I have learned the secret of being content in any and every situation, whether well-fed or hungry, whether living in plenty or in want. I can do all this through Christ who gives me strength.” (Philippians 4:12-13)

Get into a life habit of not taking on unnecessary debt. 

Don’t create a debt trap that will leave you cash-strapped. 

Watch your spending. Live within your means.