Michael Blue

Most people would admit they should have a budget (or spending plan), but [a Gallup poll](https://www.deseret.com/2013/6/4/20520611/new-gallup-poll-shows-two-thirds-of-americans-do-not-budget/) shows that nearly two-thirds of Americans don’t have one. Why is that?

- For some, budgeting just feels overwhelming.
- For others, they don’t know where to start.
- Still others don’t think they need one.

While you may be able to get along without a super detailed budget, everyone should at least have a basic spending plan.

### **Biblical Wisdom on Budgeting**

**The Bible tells us that if we don’t control money, it will control us.**

*“The plans of the diligent lead surely to abundance, but everyone who is hasty comes only to poverty.”* – Proverbs 21:5

We also see the principle of watching over what has been entrusted to us:

*“Know well the condition of your flocks, and give attention to your herds… the lambs will provide your clothing, and the goats the price of a field. There will be enough goats’ milk for your food, for the food of your household.”* – Proverbs 27:23–27

Today, most of us don’t have flocks and herds to manage, but we do have dollars and cents. The principle is the same:

If you budget your income and spend wisely, you’ll have enough to live on.

As stewards of God’s resources, we need to have a plan for where our money is going.

Part of having a plan is also planning for future saving, purchasing, investing, and giving goals.

A basic spending plan is simply a monthly plan assigning every dollar that comes in to some predetermined purpose (or category). It uses broader categories than a detailed budget and prioritizes every known need.

### **Example Basic Spending Plan**

**July 2025—Expected After-Tax Income: $4,400**

- Giving: $500
- Debt Repayment: $300
- Saving: $200
- Housing: $1,400
- Food: $600
- Transportation: $400
- Medical: $300
- Miscellaneous: $700

### **Getting Started**

There are several options for creating a spending plan, from web-based solutions to smartphone apps to good old-fashioned paper and pencil. You have to use what works for you, but the most tried-and-true method simply starts with manually tracking your spending.

With the [FaithFi app](https://www.faithfi.com/manage), you can easily figure out how much you’re spending in different categories. Here's a simple process:

**Track your spending for 30 days.**

Capture everything. The [FaithFi app](https://www.faithfi.com/manage) allows you to track manually or by connecting directly to your bank accounts.


**Learn what your true income is after taxes.**

This can be found on your pay stub.


**Break down your monthly expenses by broad category.**

Use the example above as a guide. Feel free to adjust based on your own needs.


**Compare your expenses with your income.**

Begin the process of making “adjustments” if you’re spending more than you’re earning.


**If you’re married, do this with your spouse.**

This is an opportunity to get on the same page, not to point fingers.

**Don’t forget non-recurring expenses.**

Include things like insurance payments or HOA fees that don’t happen monthly.

### **Making It Work Long-Term**

Once you have collected all this information, make a plan for each month. If you don't like your allocations, adjust them. Find a system that works for you and continue to tweak it so you’re getting the information you need before you’re in a financial bind.

- Regularly check your progress throughout the month.
- Adjust as needed.
- Track how much income you have left to spend during the month.
- When that number gets low, it’s time to tighten up.

If you can consistently spend less than you make, every other financial arena in your life will become more manageable.

### **Rob West’s Suggested Steps**

As you begin to *“know well the condition of your flocks,”* Rob West recommends the following steps:

- Begin every planning session with prayer
- Be honest with your spouse (don’t hide purchases or missteps)
- Find alignment in areas where you’ll cut back
- Be flexible—stuff happens every month
- Keep giving, be generous
- Don’t forget enjoyment—celebrate your successes
- It’s your plan—revise it if necessary

Remember: **you only have 100%.**

If your income doesn’t allow you to meet your goals, you either need to:

- Save beforehand
- Make adjustments
- Or increase your income

**Budgeting isn’t about restriction—it’s about freedom. And when done in light of God’s Word, it becomes an act of worship and stewardship.**

FaithFi

Articles

How to create a very basic spending plan for your monthly spending and future goals.

Creating a Basic Spending Plan to Achieve Financial Goals

__What would you do if you discovered something so valuable—so life-altering—that you gladly gave up everything else just to have it?__

That’s the picture Jesus paints in two brief but powerful parables in Matthew 13. In verse 44, He says:

*“The kingdom of heaven is like treasure hidden in a field, which a man found and covered up. Then in his joy he goes and sells all that he has and buys that field.”*

And again, in verses 45–46:

*“The kingdom of heaven is like a merchant in search of fine pearls, who, on finding one pearl of great value, went and sold all that he had and bought it.”*

__Joyful Surrender__

In both parables, something of immense worth is discovered, and the response is total surrender, not with reluctance or fear, but with joy. That joy is the natural overflow of encountering something so good, so worthy, so eternal, that it reshapes every other desire. Once the treasure is found, all other pursuits fade in comparison.

But let’s be honest—in today’s economy, with interest rates rising, inflation persisting, and headlines about layoffs, it doesn’t always feel like we’re standing on treasure. Maybe you’re grasping for financial security. Or lying awake at night, wondering how to make it through the month.

If that’s where you are, you’re not alone. The fear is real, but so is the invitation of Jesus.

__Our Ultimate Treasure Is a Person__

Jesus is saying: There is something more valuable than everything you own. And that “something” is actually someone—Him.

When Christ is your treasure, money loses its power over you. Your peace no longer rises and falls with the market. Your identity isn’t rooted in your paycheck, but in God's unshakable Kingdom.

The apostle Paul discovered this firsthand. In Philippians 3:7–8, he wrote:

*“Whatever gain I had, I counted as loss for the sake of Christ. Indeed, I count everything as loss because of the surpassing worth of knowing Christ Jesus my Lord.”*

Paul had status, education, and influence, but once he met Jesus, he considered them all secondary. He found the pearl and gave up everything to gain it.

The Macedonian believers in 2 Corinthians 8 offer another powerful example. Though living in poverty, Paul says they gave with joy and generosity. Why? Because they had found a greater treasure in Christ.

That’s the paradox of the Kingdom: when you loosen your grip on material things, you’re free to take hold of eternal ones. Giving becomes worship. Loss becomes gain.

__God Sees You__

Still, some days the treasure feels far away. Fear sets in. Anxiety whispers. Jesus understood this, which is why He reassures us in Matthew 10:29–31:

*“Are not two sparrows sold for a penny? And not one of them will fall to the ground apart from your Father... Fear not, therefore; you are of more value than many sparrows.”*

God sees you. He knows your needs. His care isn’t based on your net worth—it’s based on your worth to *Him*.

That’s the heart behind the 21-day devotional, *[Look at the Sparrows](https://www.faithfi.com/shop/sparrows)*. It was written to meet people right where they are—in the middle of financial fear and anxiety.

Each day helps re-center your heart on God’s promises, His provision, and His presence. Because when you’re in a storm, you don’t just need a budget—you need a Savior. And the good news? He’s near. As Jeremiah 29:13 says:

*“You will seek me and find me, when you seek me with all your heart.”*

__A New Way to See Money__

Jesus isn’t just part of your financial life—*He is your life*. When He becomes your treasure, money no longer defines you. You begin to hold what you have with open hands. You invest in what truly matters. You trade the stress of accumulation for the peace of contentment. And yes, *joy returns*.

So, if your heart is anxious today, remember the man who found treasure in the field, the merchant who discovered the pearl, and the Savior who invites you to find lasting treasure in Him.

__To go deeper, you can order *[Look at the Sparrows](https://www.faithfi.com/shop/sparrows)* at[ FaithFi.com](https://faithfi.com/). Just click “Shop” to place your order—or consider ordering in bulk for your church or small group.__

What would you do if you discovered something so valuable that you gladly gave up everything else just to have it?

The Treasure That Changes Everything

__What if there was a way to save up to a third of your grocery budget without really doing anything?__

Americans are pretty picky when it comes to food freshness. If something even looks a little old, it goes right in the trash or garbage disposal. But is it *really* bad?

A [study](https://www.foodbusinessnews.net/articles/15293-americans-waste-nearly-a-third-of-acquired-food-study-shows) a couple of years ago revealed that Americans waste almost nearly a third of the groceries they buy. As believers, we never want to waste food and Jesus himself set the example. John 6:12 reads, *“And whenthey had eaten their fill, he told his disciples, “Gather up the leftover fragments, that nothing may be lost.”*

Certainly, food sometimes goes bad, but how much of what we purchase could be used just by rethinking what “out of date” really means?

According to the U.S.D.A., the average family of four spends about $900 a month in groceries. That doesn’t include eating out. If you could save just 10% of that by wasting less food, you’d be more than a thousand dollars ahead at the end of the year.

Achieving this starts with a better understanding of expiration dates. What do “Sell by” and “best by” dates actually mean? The following definitions exclude infant formula and baby foods.

When you see “best if used by or before,” it means the date when the product has the best quality or flavor. It does not refer to safety. Foods can be consumed after those dates.

A “use by” date means the last day the item is at its best. In most cases, you still have time to use it.

You might also see a “sell by” date on a package. In most states, that is a manufacturer’s suggestion and the item can still be sold after that date, often at a reduced price.

A “freeze by” date is another recommendation from the U.S.D.A., not a hard and fast rule, and it simply means the date by which the item should be frozen to maintain optimum quality.

What this means, again with the exception of baby products, is that none of these labels is an indication of the safety of food items. Then how do you know when an item is safe?

U.S.D.A’s Food Safety and Inspection Service says that foods that are past their “best if used by” date (but not showing signs of spoilage) should still be safe to use. Of course, that depends on the individual item and the temperature where it’s stored.

Another possible exception to this “rethinking process” is eggs. Some states prohibit “sell by” dates on eggs and some require more restrictive “expiration dates.” In any case, it’s probably best not to use eggs after any type of end date.

__How long should items last once you get them home? The U.S.D.A. offers these suggestions:__

- Fresh eggs in the shell should last 3 to 5 weeks in the fridge. Figure 7 days for bacon, or a month in the freezer. Raw hamburger, 1 to 2 days refrigerated, or 3 to 4 months in the freezer.
- Steaks are at their peak for 3 to 5 days refrigerated, and 6 to 12 months if frozen. Figure 3 to 4 days for cooked fish in the fridge or 4 to 6 months in the freezer.
- Raw chicken and turkey are safe for 1 to 2 days in the fridge, but 9 to 12 months in the freezer. And finally, fresh shrimp, scallops or squid, 1 to 2 days refrigerated or 3 to 6 months frozen.
- Some foods never go bad, or at least take a very long time to spoil. Honey, for example, has antimicrobial properties that keep it preserved for a long period of time if it’s sealed and stored in a cool place out of sunlight.
- Canned goods also last indefinitely, as long as the can doesn’t have “rust, dents or swelling,” says the U.S.D.A. Packaged foods such as cereals are also good well past their “best by” dates, although they can develop an “off” flavor.
- Factory-sealed maple syrup will also last indefinitely, but once it’s opened you should keep it in the fridge. Salt is itself a preservative but usually comes with a “use by” date of 5 years. After that, it may pick up a bad taste.
- Dried Beans are good for 10 years if stored in a cool place, again out of sunlight, but they should be in factory packaging or sealed buckets with reduced oxygen levels.
- And finally, whole grains have a one-year shelf life if frozen, or 6 months in a cool, dry location, but they should be in airtight containers.

__We hope this information helps you trim grocery waste and stretch your food budget!__

You can also __[listen](https://www.moneywise.org/search?q=Get%20More%20From%20Your%20Groceries%20&videos=true&articles=true&podcasts=true&posts=true&groups=true&events=true&support=true)__ to the related podcast on this topic.

What if there was a way to save up to a third of your grocery budget without really doing anything?

Wisdom-Filled Ways to Maximize Your Grocery Budget

“There is always some sun around which the planets of our lives turn.” 

Let David Powlison’s imagery settle in. There is always a gravitational pull on something deep inside us. Our hearts are magnets, and there’s always an opposing pole. Always. We were made that way. 

Scripture gets at this with the language of “heart”** (*lebab *in Hebrew; *cardia* in Greek) or sometimes “kidneys” (Hebrew: *kilyah*). “You shall love the Lord your God with all your *heart* (*lebab*). . .” (Deut. 5:6). “My heart (*kilyah*) faints within me!” (Job 19:27). The language points to the deepest part of a person—the pith of the soul. This is the source of our motives. “All of our rational and volitional life,” writes Herman Bavinck, “has its point of origin in the heart and is governed by it” (*Wonderful Works of God*, 3). All rational and volitional life—all that we think and all that we desire. According to Scripture, the heart is the epicenter for everything a person does. 

**Jesus uses the image of a treasure chest.** Every one of our thoughts, words, and actions is a coin pulled from the heart’s coffer. “The good person out of the good treasure of his heart produces good, and the evil person out of his evil treasure produces evil, for out of the abundance of the heart his mouth speaks” (Luke 6:45). 

This is far more practical than we think because it applies to everything we do. One of the most important questions anyone can ask you about anything you do is this: ***Why* are you doing what you’re doing?** That’s a question of motive, a question of volition, a question of the heart. And it’s worth much more than we suppose. 




## **A Motive for Pennies**




Let me show you how. There’s a famous story from Mark’s Gospel called “The Widow’s Offering” (also in Luke 21:1–4). Jesus is at the temple with his disciples, sitting and watching a procession of people putting offerings in a box. Amidst the clangs and clamor, he waits and stares. And, indirectly, he uncovers motive; he sees a human heart in action.

41 And he sat down opposite the treasury and watched the people putting money into the offering box. Many rich people put in large sums. 42 And a poor widow came and put in two small copper coins, which make a penny. 43 And he called his disciples to him and said to them, “Truly, I say to you, this poor widow has put in more than all those who are contributing to the offering box. 44 For they all contributed out of their abundance, but she out of her poverty has put in everything she had, all she had to live on.” (Mark 12:41–44)

**Usually, we jump to *proportions* to interpret what Jesus says.** The woman had little, so what she gave in proportion to what she had was much more than what others gave. But this misses the point. Jesus doesn’t say that her offering was more “for her.” He says simply that she has “put in more than all those who are contributing to the offering box.” 

**Her offering was *more*. Period.** 

It was greater, of higher value. To everyone else, this was a poor woman putting down a penny. To Jesus, it was a daughter of God dropping a mountain of gold. She out-gave everyone. How?

**Look at the source of her giving, her *motive*.** Everyone else there was giving out of their abundance. They were saying, “I have much, so I will give something.” But the widow gave out of her poverty. She said, “I have little, so I will give everything.” The logic sounds off, doesn’t it? She would have nothing left after this. Jesus says she gave “all she had to live on.” She opened her impoverished hand and went from deficient to destitute, from little to none. It sounds like financial suicide. Why would she do this?

That’s where the *heart* comes in. Remember the motive question: *why is she doing what she’s doing?* The text doesn’t say directly. But Jesus implies it. **The woman gives everything because she believes—she *actually* believes—that she already has everything . . . because she has *God*.** She has loving, trusting faith in the God who gives. God means all to her. God is the sun around which the planet of her life turns. 

That’s the only way she could do what she did. She truly loved God with *all* her heart (Deut. 6:5). In the pith of her soul, she is so full that she can let go of everything else. What is a penny compared to the God of glory? She trusts not only in God’s care for her but in God’s care for what she has. She knows that God can do more with her money than she can. God can do *more*. So she lets go. 




## **Motive Matters Most**




Many of us get hung up on earning and then investing our money in all the “right places,” but we don’t think about motive nearly enough. We don’t think about the *heart*. We don’t think about the sun around which the planet of our lives turns. **But the heart, to Jesus, is the most important.** 

Think about it: all the people at the temple that day looked like they were doing the same thing. They were all dropping coins in the coffer. From the outside, they were uniform. *But that’s not what matters most to the Son of God*. Like his heavenly Father (1 Sam. 16:7), Jesus looks at the heart. In that moment, he looked at the widow’s heart. He looked at the hearts of the religious leaders. And right now he looks at your heart and mine. What does he see?

**What matters most to God is not *what* you give; it’s *why* you give.** God wants to see that *He* is the sun around which the planet of your life turns. Because if He isn’t, then the only other possibility is that you’re one of the ones who gives “out of your abundance.” Giving out of abundance costs us little because it requires less faith, less heart. How many of the people that day thought twice about what they were giving? How much did the widow think about her own giving? After her fingers released their grip, it was all faith for her, from that moment on. She knew what she was doing. She was *worshiping*—giving all of herself for all of who God is and all he promises to be for us. And Jesus saw it.

Motive is everything to God. The heart is everything. The planet of your life is turning around something right now. What is it? And when the time comes, will you give out of poverty or out of abundance? 






*Pierce Taylor Hibbs (MAR, ThM Westminster Theological Seminary) serves as Senior Writer and Communication Specialist at Westminster Theological Seminary. He is the author of over 20 books, including the Illumination Award-winning titles Struck Down but Not Destroyed, The Great Lie, One with God, The Christ-Light, and [The Book of Giving.](https://https://www.amazon.com/dp/1736341138?) He lives in Pennsylvania with his wife and three kids. Learn more about his work at [piercetaylorhibbs.com](http://piercetaylorhibbs.com) or find him on [Substack](https://piercetaylorhibbs.substack.com).*

The heart of our actions is what matters most to God, and true worship is revealed not in what we give but in why we give—because motive is everything.

Motive is Everything

__*“The prudent sees danger and hides himself, but the simple go on and suffer for it.” –* Proverbs 22:3__

Life is unpredictable. Illness, accidents, or even death can strike without warning. And while we can’t control the future, we *can* prepare for it. Scripture calls us to live wisely, and one of the most practical expressions of that wisdom is planning ahead for life’s most serious emergencies.

Ask yourself:

- What if something serious happened to you or your spouse?
- If you were hospitalized, who would manage the household, pay the bills, or care for your kids?
- If you were to pass away unexpectedly, would your loved ones know how to locate critical documents and make necessary decisions?

In moments of crisis, the last thing your family needs is confusion. That’s why creating a household emergency binder can be one of the most loving and practical things you do.

__What Is an Emergency Binder?__

An emergency binder is a single, organized place for all your essential information. Think of it as a manual for managing your household in your absence. Your binder should include:

- Financial information
- Medical details and prescriptions
- Childcare contacts
- Monthly bills and due dates
- Funeral preferences
- Any other important documentation

Creating this binder may feel overwhelming, but it doesn’t have to be. Start by listing out your categories, then focus on just one at a time. Dedicate 30 to 60 minutes a day to gathering the documents and filling in each section. Step by step, you’ll build something of lasting value.

Once your binder is complete, print a physical copy and store it in a visible, secure place, such as a red three-ring binder in a fireproof safe. Also, keep a digital version stored securely in the cloud. Be sure to give access information (safe combinations, passwords) to a few trusted family members.

__A Simple Step of Stewardship__

No one likes to think about worst-case scenarios. But preparing for them is an act of love—an expression of godly stewardship that brings peace, not fear. When the hard moments come, your family will be grateful for the clarity and care you provided in advance.

For an easy way to get started, [Christian Money Solutions](https://www.christianmoneysolutions.com/) offers a pre-designed [Essential Emergency Binder](https://www.christianmoneysolutions.com/essentialemergencybinder), complete with more than 60 pages of templates and instructions. All you have to do is fill in the blanks.

__You don’t need to finish it in one sitting. Just begin. And as you do, remember: this is more than an organizational project. It’s a gift of love, peace, and wisdom to the people who matter most.__

Life is unpredictable. Illness or accidents can strike without warning. How do you prepare for them?

Why Every Household Needs an Emergency Binder

__The Bible contains more than 2,300 verses about money and possessions. That’s a staggering number—so there’s got to be a reason.__

But while the number is accurate, it can also be a bit misleading. Money itself isn’t what’s most important. What truly matters is what money reveals about our hearts.

Let’s unpack why Scripture talks about money so much—and why your financial life is ultimately a spiritual matter.

__Jesus Talked About Money—But Not for the Reasons You Think__

When Jesus spoke about money, He was never just talking about money. He was talking about something deeper—something eternal. His goal wasn’t to teach financial literacy. It was to expose the true condition of our hearts.

God’s Word uses money as a spiritual teaching tool. Why? Because no matter who we are or where we live, money is something we all have to deal with. Whether it’s groceries or giving, saving or spending, money touches every part of our lives.

That’s why financial struggles can feel so personal. Money can stir up stress, create confusion, and ignite conflict—especially in our relationships. But Scripture reminds us that the problem is rarely the money itself. It’s what the money reveals.

In Matthew 6:21, Jesus says:

*“For where your treasure is, there your heart will be also.”*

That’s the heart of the matter—literally. It’s not about how much you make or spend. It’s about what you value.

When we look beneath the numbers, we find a spiritual reality: Money is a mirror. It reflects what we truly trust, desire, and love.

__Money and Marriages: It's About Values, Not Amounts__

Consider how often money shows up in marriage conflicts. It’s frequently cited as one of the leading causes of divorce. But more often than not, the issue isn’t really about the dollars. It’s about values.

One spouse might want to save for the future, while the other wants to enjoy the present. One sees money as a way to bless others; the other sees it as a source of security. Neither view is inherently wrong—they’re just different. But when those differences clash, tension arises.

And in that tension, it’s easy to argue about expenses without ever addressing the deeper, spiritual divide.

__Every Spending Decision Is a Spiritual Decision__

It might seem strange to call a purchase—like a cup of coffee or a pair of shoes—a spiritual decision. But in a way, it is because every financial choice reflects our priorities.

In *Matthew 6:24*, Jesus says:

*“No one can serve two masters… You cannot serve God and money.”*

Jesus is inviting us to examine where our loyalty lies. That doesn’t mean we can’t enjoy what God provides. In fact, Ecclesiastes 3:12–13 affirms that we should:

*“I perceived that there is nothing better for them than to be joyful and to do good… everyone should eat and drink and take pleasure in all his toil—this is God's gift to man.”*

God delights in our joy. He’s not against lattes or leisure—He just wants those things to sit beneath, not above, our love for Him.

__What Do You Do When Values Collide?__

Whether you’re navigating money as an individual or a couple, the first step to peace is recognizing that financial disagreements are opportunities for spiritual growth.

And that growth starts with prayer. As our friend Howard Dayton says:

*“It’s hard to quarrel when you’re praying together.”*

Prayer invites God into the conversation. And as *James 1:5* assures us:

*“If any of you lacks wisdom, let him ask God… and it will be given to him.”*

Through prayer, we find clarity. Through humility, we find unity.

For couples, the next step is open, respectful communication. Talk about your values. Share your hopes. One of you might prioritize saving for retirement, while the other longs to create meaningful family memories through travel. Both desires can honor God—you just need to find common ground.

When needed, a financial advisor—especially a [Certified Kingdom Advisor (CKA)](https://www.faithfi.com/find)—can help you identify shared goals and build a plan that reflects both wisdom and faith.

__A Path Toward Unity and Growth__

Financial disagreements don’t have to create division. In fact, when addressed with humility and a desire to honor God, they can build trust and draw you closer—not only to each other but to Christ.

So, if you’re wrestling with a financial decision today—or feeling relational strain because of money—don’t walk through it alone.

Invite God into the process. Talk it through with someone you trust. And above all, remember this: __It’s not about the money. God wants your heart.__

__And when your heart is aligned with His, your financial life will begin to reflect the peace, purpose, and priorities of His Kingdom.__

The Bible contains more than 2,300 verses about money and possessions. That’s staggering, so there’s got to be a reason.

It’s Not About the Money

__Summer isn’t far off, and chances are, your kids are already dreaming about that long-awaited vacation. The real question is: Will you be ready for it financially?__

Great family memories don’t have to come with a high price tag. With a bit of intentionality and creativity, you can plan a vacation that’s both memorable and budget-friendly. Here are five tips to help you do just that.

__1. Start Planning Early__

The earlier you start, the more options you’ll have—especially if you're looking to save money. Booking flights and accommodations in advance often leads to better rates and more availability.

Pro tip: Use tools like [Google Flights](https://www.google.com/travel/flights) to explore affordable destinations. Just input your travel dates and click “Explore” or “Fly Anywhere” to find the lowest airfare across the country.

Also, take time to decide what matters most for your trip. Is staying near the beach a must? Would you rather cook your own meals than eat out? Set a clear trip budget and prioritize what matters most to your family.

__2. Find Free (and Fun!) Activities__

Every destination has hidden gems that don’t cost a dime. Search your destination online, along with phrases like “best free things to do” or “free local attractions.”

Many places offer scenic hikes, self-guided tours, free museums or exhibits, and even local festivals or concerts. These can become some of the most memorable parts of your trip—and they won’t touch your wallet.

__3. Involve the Whole Family__

Let your kids in on the planning process. Give each child a mini budget and let them plan a few hours of the trip based on that amount. This teaches practical financial skills and ensures everyone feels involved and valued.

Plus, you may be surprised by what simple experiences are the most fun!

__4. Be Smart About Meals__

Dining out adds up quickly. One way to save big is by staying at a hotel that includes complimentary breakfast. Then pack your own snacks or lunches to cut down on eating out.

Even if you're flying, you can still hit a local grocery store upon arrival. A loaf of bread, peanut butter and jelly, and some fruit and chips can feed the family for a fraction of a restaurant meal.

__5. Set a Daily Spending Limit__

Decide ahead of time how much you want to spend each day—and turn it into a family challenge! See how far you can stretch that amount without going over.

To stay on track, consider using daily cash envelopes, a prepaid card, or a budgeting app like FaithFi. The [FaithFi app](https://www.faithfi.com/manage) helps you track spending in real time and stay aligned with your goals—turning budgeting into a shared family value.

__Family vacations don’t have to mean financial stress. With these five simple strategies, you can enjoy a summer getaway that’s fun, meaningful, and financially wise. Start planning now, and get ready to make some unforgettable memories—all while staying on budget.__

Summer isn’t far off, and chances are, your kids are already dreaming about that long-awaited vacation. Are you ready?

5 Smart Tips for a Budget-Friendly Family Vacation

<p>What would you do if you found something so valuable, so life-altering, that you gladly gave up everything else just to have it? That’s the image Jesus gives us in Matthew 13—two brief parables, one powerful message. They remind us of a truth that can reframe not just our faith, but our finances, especially in uncertain times.</p><p>In Matthew 13:44–46, Jesus says:</p><p><i>“The kingdom of heaven is like treasure hidden in a field, which a man found and covered up. Then in his joy he goes and sells all that he has and buys that field.”</i></p><p><i>“Again, the kingdom of heaven is like a merchant in search of fine pearls, who, on finding one pearl of great value, went and sold all that he had and bought it.”</i></p><p>In both parables, something of immense value is found, and the response is total surrender. But not begrudgingly. Not in fear. In joy. That joy is everything. It’s the natural overflow of discovering something so worthy, so beautiful, so eternally good that it reorders your entire life. All other pursuits fade in comparison.</p><h3>But What About When Life Feels Like a Storm?</h3><p>Let’s be honest—most days don’t feel like we’ve just struck eternal treasure. In today’s economy, with interest rates up, inflation lingering, and layoffs still in the news, you might feel like you’re just trying to stay afloat. You’re not alone if you’re grasping for security, calculating risks, or losing sleep over your monthly expenses.</p><p>But here’s the good news: even in uncertain times, Jesus extends the same invitation. He’s saying there is something more valuable than everything you own. And that something is someone—Him.</p><h3>When Christ Is Your Treasure, Money Loses Its Grip</h3><p>When Jesus becomes your treasure, money loses its power to control you. You’re no longer tethered to the markets, to your salary, or to your fears. Your peace isn’t tied to your portfolio—it’s anchored in God’s unshakable Kingdom.</p><p>That’s what Paul discovered in Philippians 3:7–8:</p><p><i>“Whatever gain I had, I counted as loss for the sake of Christ. Indeed, I count everything as loss because of the surpassing worth of knowing Christ Jesus my Lord.”</i></p><p>Paul had status and influence, but he gave it all up when he found the true treasure in Christ.</p><p>We see this again in the Macedonian believers in 2 Corinthians 8. Even in deep poverty, they gave with joy—not because they had extra, but because they understood Christ's surpassing worth. They didn’t view giving as a loss but as a gain.</p><h3>The Paradox of the Kingdom: Loss Becomes Gain</h3><p>Here’s the paradox: when you release your grip on material things, you make room to take hold of eternal things. Stewardship becomes joyful. Giving becomes worship. And peace begins to replace pressure.</p><p>But let’s not pretend it’s always easy. Sometimes, the treasure feels far away. The joy is buried beneath fear. The anxiety drowns out trust. Jesus anticipated this, too. In Matthew 10:29–31, He says:</p><p><i>“Are not two sparrows sold for a penny? And not one of them will fall to the ground apart from your Father... Fear not, therefore; you are of more value than many sparrows.”</i></p><p>God sees you. He knows your needs. And His care for you isn’t based on your net worth, but your infinite worth to Him.</p><h3>A Resource for Your Journey: Look at the Sparrows</h3><p>That’s the heartbeat behind our 21-day devotional, <a href="https://www.faithfi.com/shop/sparrows"><i>Look at the Sparrows</i></a>. Created by our team at FaithFi, this devotional helps center your heart on God’s promises, His presence, and His provision.</p><p>Because when you’re standing in a storm, you need more than a budget—you need a Savior. And He’s not far off. As Jeremiah 29:13 promises:</p><p><i>“You will seek me and find me, when you seek me with all your heart.”</i></p><p>When Jesus is your treasure, everything changes. You steward your money with open hands, not clenched fists. You invest in what truly matters. You trade the stress of accumulation for the peace of contentment. And yes, joy returns.</p><p>So if your heart is anxious today, remember the man who bought the field. Remember the merchant who found the pearl. And remember the Savior who invites you to find lasting treasure in Him.</p><p>Order your copy of <a href="https://www.faithfi.com/shop/sparrows"><i>Look at the Sparrows</i></a> at <a href="http://faithfi.com">FaithFi.com</a>. Click <a href="https://www.faithfi.com/shop">“Shop”</a> to get a copy for yourself—or buy in bulk for your church or small group.</p><h3>On Today’s Program, Rob Answers Listener Questions:</h3><ul><li>I'm retired and living on Social Security with no debt. I have key expenses paid off, and I'm pulling about $1,900 a month from Social Security. Whenever I have a significant project for the house, I pull money out of an IRA that my broker has set up. Is this the best way to finance these projects so that I can remain debt-free and avoid incurring any interest?</li><li>I have a 401(k), and I'm wondering how I can invest according to my values with the available options. It seems like the only options are big companies that I'd rather not invest in. Do you have any suggestions?</li><li>We recently sold our house for a good profit, and I'd like to know how we should tithe on it. Do we tithe on the full amount we received, or only what goes above the initial price and the interest we paid on it?</li><li>My wife and I are purchasing a home this year. The credit union offers us a standard 30-year mortgage with one monthly payment and a bi-weekly payment plan. I want to know which option would be better and the pros and cons.</li><li>I used to be poor about 25 years ago and filed bankruptcy for $3,500. Now I receive my ex-husband's Social Security, and I would like to see about possibly paying back the bankruptcy debt.</li></ul><h3>Resources Mentioned:</h3><ul><li><a href="https://faithfi.com/give">Faithful Steward: FaithFi’s New Quarterly Magazine</a> (Become a FaithFi Partner)</li><li><a href="https://www.faithandinvesting.com/faithfi/">List of Faith-Based Investment Funds</a></li><li><a href="https://www.faithfi.com/shop/wisdomoverwealth">Wisdom Over Wealth: 12 Lessons from Ecclesiastes on Money (Pre-Order)</a></li><li><a href="https://www.faithfi.com/sparrows">Look At The Sparrows: A 21-Day Devotional on Financial Fear and Anxiety</a></li><li><a href="https://www.faithfi.com/rtg">Rich Toward God: A Study on the Parable of the Rich Fool</a></li><li><a href="https://www.faithfi.com/find">Find a Certified Kingdom Advisor (CKA) or Certified Christian Financial Counselor (CertCFC)</a></li><li><a href="https://www.faithfi.com/manage">FaithFi App</a></li></ul>
<p><p>Remember, you can call in to ask your questions most days at (800) 525-7000. Faith &amp; Finance is also available on the <a href="https://www.moodyradio.org/programs/faith-and-finance/">Moody Radio Network </a>and <a href="https://afr.net/podcasts/faith-finance/">American Family Radio</a>. Visit our website at <a href="https://www.faithfi.com/">FaithFi.com </a>where you can join the FaithFi Community <a href="https://www.faithfi.com/give">and give </a>as we expand our outreach.</p></p>

Faith & Finance is a daily radio ministry hosted by Rob West. The program offers a practical, biblical and good-natured approach to managing your time, talents and resources.

Faith & Finance with Rob West

What would you do if you found something so valuable, so life-altering, that you gladly gave up everything else just to have it? That’s the image Jesus gives us in Matthew 13—two brief parables, one powerful message. They remind us of a truth that can reframe not just our faith, but our finances, especially in uncertain times.

The Hidden Treasure Right in Front of Us

Where timeless biblical wisdom meets today's financial decisions.

Become Wise With Money

Our trusted partner, Christian Credit Counselors, offers a debt management program that can get you out of credit card debt 80% faster while honoring your debt in full.

Struggling with credit card debt but don’t know where to start?

Our debt management program helps people avoid bankruptcy, debt settlement scams, and quick fixes that ruin credit.

Christian Credit Counselors

Silence is not an option. Your boldness can set people free.

Talking about money is challenging and uncomfortable.

We teach church leaders the biblical perspective on finances.

Christian Stewardship Network

Compass helps people worldwide to know Christ more intimately in one of the most personal arenas of life, finances. We teach what the Bible says about money, nothing less, & encourage people to discover God’s truth & experience life change.

Learn, Apply, and Multiply What the Bible Says About Money and Possessions

Compass helps people worldwide to know Christ more intimately in one of the most personal arenas of life, finances.

Compass Financial

Discover the secret of "winning by not losing".

Profit & Peace of Mind - No Matter What's Happening in the Market

Since 1990, do-it-yourself Christian investors have relied on SMI for proven strategies and trustworthy guidance.

Sound Mind Investing

Financial health is just a means to a greater end. I want to see you in a place where you are living and giving generously, advancing God's Kingdom, without the hindrance of debt or any other financial barrier.

Give generously. Save wisely. Live appropriately.

You were meant for more. Your money was meant for more. You and your money are meant for an exciting, adventurous, and satisfying purpose. You were designed to live and give generously. And deep inside you know this and want this.

Christian Money Solutions

Investing can be more than just returns

Eventide

Every Investment Has An Impact

Join a movement of investors, fund managers and leaders who believe that God owns it all and he cares deeply about why and how we steward his investments.

Faith Driven Investor

God is raising up an army of Gospel Patrons who will partner to build the church, bless the world, and finish the Great Commission.

Join the Movement

Behind every great movement of God are generous leaders who partner with those who proclaim the gospel. We call them Gospel Patrons.

Gospel Patrons

Do you have a giving strategy? We would love to help you explore all the opportunities to make the most of what God has given you.

Do you have a Giving Strategy?

NCF helps people create a giving strategy based on biblical principles, so they can be wise stewards of all they have and experience the joy of greater generosity.

National Christian Foundation

Most conversations about giving end with an ask for money. Generous Giving hosts free events that help explore Jesus-like generosity without asking for anything in return. This leads to stronger families and deeper relationships with God.

Explore the Joy of Generosity

We exist to spread the message of biblical generosity in order to grow generous givers especially among those entrusted with much.

Generous Giving

Are you ready to lay down anything in your life preventing you from following Jesus?

Find Joy and Freedom in a Life of Surrender

The Ron Blue Institute seeks to be a thought leader with great influence committed to changing the way Christians think, act, and communicate about financial stewardship, empowering the church, and changing the world.

Ron Blue Institute

We’re glad to share the financial and spiritual advantages that CHM offers, and they look forward to helping you discover if this is the right healthcare solution for you.

Want more information on CHM’s budget-friendly, biblical and compassionate healthcare solution?

We’re not insurance – We’re the better, biblical solution to taking care of your medical costs. If you don’t love how your health insurance works, maybe it’s time to leave traditional health insurance behind.

Christian Healthcare Ministries

Praxis offers investment products designed to meet the practical needs of everyday investors while supporting positive change through impact strategies that go beyond screening. Guided by faith values, we strive to make a positive impact.

INVEST IN PRAXIS

Praxis Investments

FatihFi App

We are a Bible-believing, Christ-centered nonprofit organization teaching Biblical principles and reaching people in need.

Eternal Perspective Ministries

Eternal Perspective Ministries, founded and directed by author Randy Alcorn, is focused on investing in what lasts for eternity, and helping others to do the same.

Explore our articles, podcast, and courses.

Educational resources for Biblically faithful investing

Inspiring an authentically Christian practice of modern investing.

Eventide Center for Faith & Investing

But it doesn’t have to be. Join a Faith Driven Entrepreneur Group today.

Entrepreneurship is a lonely journey.

Faith Driven Entrepreneur is a movement dedicated to gathering one million Christ-following entrepreneurs and equipping them, so they can fulfill their call to create and transform the world around them.

Faith Driven Entrepreneur

After nearly 20,000 meetings with people just like you, helping them grow in wisdom, confidence and joy, and coaching millions more over radio, television and digital media, we'd love to help you, too!

Money’s not bad, but it’s also not easy.

God is too good and life is too special to let money hold you back.  Get hope-filled coaching so you can steward wisely and live faithfully.

Smarter Stewardship

<p>Proverbs 4:26 reminds us, <i>“Give careful thought to the paths for your feet and be steadfast in all your ways.”</i></p><p>That’s a call to intentional living—choosing wisdom over impulse, especially in how we manage our money. We often emphasize that budgeting isn’t just about numbers—it’s about aligning your resources with God’s purposes.</p><p>Matt Bell, a trusted voice in biblical finance, <a href="https://www.mycccu.com/resource-center/blogs/matt-bell-manage-money-win-when-you-follow-a-christian-budget/">recently wrote</a> about the contrast between cultural and Christian approaches to budgeting. He notes that culture gives your money a script:</p><p><i>“Make $80,000 a year. Then move into this neighborhood, drive that car, wear these clothes, eat in these restaurants, and take these vacations. Then you can give.”</i></p><p>In this model, spending comes first and usually leads to debt. If we're lucky, we might save or give with what’s left. The result? Financial stress, shrinking savings, and a fading sense of contentment.</p><h3>Budgeting as a Sacred Trust</h3><p>But what if budgeting isn’t just a spending plan—it’s a <i>sacred trust</i>?<br /><br />Deuteronomy 8:18 says, <i>“You shall remember the Lord your God, for it is He who gives you power to get wealth.”</i> <br /><br />Your income is a gift and a responsibility. Imagine God saying:</p><p><i>“I’m entrusting you with $80,000 this year. Use it to reflect My love—meet needs, fund ministry, invest in My Kingdom. Save wisely. Enjoy what I’ve provided.”</i></p><p>This echoes 1 Timothy 6:17, which reminds us that God <i>“richly provides us with everything to enjoy.”</i> With a biblical framework, our financial decisions flip the cultural script:</p><ul><li>Give first</li><li>Then save and invest</li><li>Then spend wisely</li><li>And use debt sparingly</li></ul><p><a href="https://www.paultripp.com/wednesdays-word/posts/is-our-theology-of-money-upside-down#:~:text=When%20it%20comes%20to%20our%20finances%2C%20God%20calls%20us%20to,worship%20and%20service%20of%20him.">Paul David Tripp</a> puts it this way:</p><p><i>“God calls us to stop starting with ourselves and hoping there’s money left over for him. Instead, the call is to willingly and joyfully accept that our money’s primary purpose is to fund a kingdom of generosity… and then trust that God will provide what we need.”</i></p><p>Jesus warned in Matthew 7:26–27 that anyone who builds their life on shifting sand—hearing His words but not doing them—will find their house collapsing in the storm. A budget based on biblical principles isn’t just practical—it’s foundational. It anchors our financial lives to the truth of God’s Word.</p><h3>A Partner for Kingdom Stewardship</h3><p>If you're ready to build your finances on that foundation, it helps to partner with others who share your values. That’s why we’re grateful for <a href="https://www.mycccu.com/faithfi/">Christian Community Credit Union (CCCU)</a>.</p><p>More than a bank, <a href="https://www.mycccu.com/faithfi/">CCCU</a> is a financial institution with a Kingdom mission. They offer everything you’d expect—checking, savings, loans, mortgages—but they also invest your deposits in ministries that serve the Gospel worldwide. Every dollar becomes a tool for transformation.</p><p>If you’re seeking a trusted financial partner that aligns with your faith and fuels your impact, learn more at<a href="https://www.mycccu.com/faithfi/"> </a><a href="http://joinchristiancommunity.com">JoinChristianCommunity.com</a>.</p><p>Budgeting isn’t about restriction—it’s about worship. It’s about saying, <i>“Lord, everything I have is from You and for You.”</i> When we carefully consider our financial paths, we begin to experience the freedom, peace, and joy of Kingdom stewardship.</p><h3>On Today’s Program, Rob Answers Listener Questions:</h3><ul><li>I will be full retirement age in August. I'm still working, so my Social Security will be a surplus that I want to put toward my home. I still owe $82,000 on it, but I also know it needs many repairs. Does it make more sense to put this extra cash flow toward repairs, paying down the mortgage, or a little bit of both?</li><li>What's the difference between getting a debt consolidation loan or working with a debt counselor?</li><li>I just wanted general information about universal index life insurance. It seems too good to be true. I've heard that you put money in, and it always increases, but you never lose money out of there, like in the case with stocks.</li><li>I have a colleague with $12,000 in student debt. He wants to pay $1,000 down and the rest over time, but I think he should pay it off completely now. What's the best method for him to save money and pay off the debt quickly?</li></ul><h3>Resources Mentioned:</h3><ul><li><a href="https://faithfi.com/give">Faithful Steward: FaithFi’s New Quarterly Magazine</a> (Become a FaithFi Partner)</li><li><a href="https://www.mycccu.com/faithfi/">Christian Community Credit Union (CCCU)</a></li><li><a href="https://christiancreditcounselors.org/FaithFi/?%24web_only=true&amp;_branch_match_id=1446488151751855608&amp;utm_medium=moneywise&amp;_branch_referrer=H4sIAAAAAAAAAwXBQQqAMAwEwB81IJ4E8eBDpNZoQ2taNhFvvt2Z7N5tIoIOYwmx91BFCzGlDDGXqAl8iKf2qHFtsOUDnwyIXtuO9hpjXjPazT%2BMgBPcTAAAAA%3D%3D">Christian Credit Counselors</a></li><li><a href="https://www.faithfi.com/shop/wisdomoverwealth">Wisdom Over Wealth: 12 Lessons from Ecclesiastes on Money (Pre-Order)</a></li><li><a href="https://www.faithfi.com/sparrows">Look At The Sparrows: A 21-Day Devotional on Financial Fear and Anxiety</a></li><li><a href="https://www.faithfi.com/rtg">Rich Toward God: A Study on the Parable of the Rich Fool</a></li><li><a href="https://www.faithfi.com/find">Find a Certified Kingdom Advisor (CKA) or Certified Christian Financial Counselor (CertCFC)</a></li><li><a href="https://www.faithfi.com/manage">FaithFi App</a></li></ul>
<p><p>Remember, you can call in to ask your questions most days at (800) 525-7000. Faith &amp; Finance is also available on the <a href="https://www.moodyradio.org/programs/faith-and-finance/">Moody Radio Network </a>and <a href="https://afr.net/podcasts/faith-finance/">American Family Radio</a>. Visit our website at <a href="https://www.faithfi.com/">FaithFi.com </a>where you can join the FaithFi Community <a href="https://www.faithfi.com/give">and give </a>as we expand our outreach.</p></p>

Proverbs 4:26 reminds us, “Give careful thought to the paths for your feet and be steadfast in all your ways.”

That’s a call to intentional living—choosing wisdom over impulse, especially in how we manage our money. We often emphasize that budgeting isn’t just about numbers—it’s about aligning your resources with God’s purposes.

Matt Bell, a trusted voice in biblical finance, recently wrote about the contrast between cultural and Christian approaches to budgeting. He notes that culture gives your money a script:

“Make $80,000 a year. Then move into this neighborhood, drive that car, wear these clothes, eat in these restaurants, and take these vacations. Then you can give.”

In this model, spending comes first and usually leads to debt. If we're lucky, we might save or give with what’s left. The result? Financial stress, shrinking savings, and a fading sense of contentment.

How Biblical Principles Transform Your Budget

<p><i>“Know well the condition of your flocks, and give attention to your herds, for riches do not last forever…”</i> - Proverbs 27:23-24</p><p>These days, our “flocks and herds” often look like stocks and mutual funds, not sheep and cattle. But the call to wise stewardship remains. One way we do that is through proxy voting. Jerry Bowyer joins us to explain how and why it matters.  </p><p>Jerry Bowyer is the President of <a href="https://bowyerresearch.com/">Bowyer Research</a> and our Resident Economist here at Faith & Finance. He is the author of <a href="https://www.amazon.com/Maker-Versus-Takers-Justice-Economics/dp/1637586906/ref=tmm_pap_swatch_0?_encoding=UTF8&amp;dib_tag=se&amp;dib=eyJ2IjoiMSJ9.CbPbOSUiUcaHmkkkjODKx-KL8Gz9YBvFQaibNWfj0Ih9w7jyZk7TD_uZxj3T8lbKOPP3U0X4RNEKVLDK4il7OSQramJxp41S8OmonKaDvr_BmzmbootkBGG4YrG3FPcLwkU2hQV8O1BacsaegYIeUr9B7Bm7ZtEDnzcyv4Df1rAxJtHdNRf2QY5_DVb37y84Q3O5r1nG1CBpFcGu5q8lXX6P1WjbmpTI0eKi8zq_-xk.3ucKOoTBhaIip0_s7gvzd0KEUGcPxbCoUfF-6eeph8k&amp;qid=1714147882&amp;sr=8-1"><i>The Maker Versus the Takers: What Jesus Really Said About Social Justice and Economics</i></a>.</p><h3>What Is Proxy Voting?</h3><p>Proxy voting is similar to civic voting. As a citizen, you vote in elections, attend town halls, and even influence legislation. As a shareholder in a company, if you own the stock directly, you have similar rights: to vote on proposals, ask questions, and even submit resolutions.</p><p>But if you're invested through mutual funds or ETFs, you hand that vote over to someone else—often a fund manager or institution. And unless you know how they’re voting, your values may not be represented at all.</p><p>Many Christian ministries, nonprofits, and even pro-life organizations are unknowingly voting against their own missions. Why? Because they either don’t engage in proxy voting or delegate it without vetting the recipient’s values.</p><h3>How Can Investors Reclaim Their Voice?</h3><p>Proxy statements are often long, complex, and written in confusing legal language. For that reason, many advisors default to saying, “Just let the client decide,” rather than helping them engage meaningfully.</p><p>Of course, that’s not a good sign because if it’s too complex for the advisor, it’s definitely too complex for the client. Instead, we encourage advisors and Christian investors to partner with specialists, like <a href="https://bowyerresearch.com/">Bowyer Research</a>, who can help decode the process and ensure votes reflect biblical values.</p><p>They offer audits to show investors how they’ve been voting—often to their shock. They’ve never done one where people weren’t stunned by what they saw.</p><h3>Mutual Funds, ETFs, and the Challenge of Indirect Ownership</h3><p>If you're invested through mutual funds or ETFs, you're likely not voting directly. However, that doesn't mean you're powerless. Here are some things to keep in mind:</p><ul><li>You can request data on how your funds are voting. <a href="https://bowyerresearch.com/">Bowyer Research</a> tracks that.<br /> </li><li>You can explore “direct indexing” solutions—an increasingly available strategy that allows you to own shares directly and reclaim your voting rights.<br /> </li><li>You can ask your advisor questions. “How am I voting?” is a simple but powerful question. If your advisor can’t answer it, that’s a red flag.</li></ul><h3>What You Can Do Today</h3><ul><li>Ask your advisor how your shares are being voted. If they don’t know, press in.</li><li>Get an audit of your proxy voting records through <a href="http://bowyerresearch.com">BowyerResearch.com</a>.</li><li>Talk to companies, not just about them. Change happens through engagement, not complaint.</li></ul><p>If you’re an investor, advisor, or leader at a Christian ministry or nonprofit, don’t let your investments work against your mission. Visit<a href="https://bowyerresearch.com/"> BowyerResearch.com</a> to learn how to align your proxy voting with your values.</p><h3>On Today’s Program, Rob Answers Listener Questions:</h3><ul><li>I'm 27 and own 20 acres of land. Should I use the land as collateral for a house loan, or use my saved money to get a bigger loan and increase my land's equity?</li><li>I opened a Roth IRA with National Life Group in 2013. It's past the surrender fee date, but it's not earning me much. I'll be 66 in July, and I'm single with no one to depend on. I also have another annuity with F and G that I'm not happy with. What should I do with these investments?</li></ul><h3>Resources Mentioned:</h3><ul><li><a href="https://faithfi.com/give">Faithful Steward: FaithFi’s New Quarterly Magazine</a> (Become a FaithFi Partner)</li><li><a href="http://bowyerresearch.com/">Bowyer Research</a></li><li><a href="https://www.faithfi.com/shop/wisdomoverwealth">Wisdom Over Wealth: 12 Lessons from Ecclesiastes on Money (Pre-Order)</a></li><li><a href="https://www.faithfi.com/sparrows">Look At The Sparrows: A 21-Day Devotional on Financial Fear and Anxiety</a></li><li><a href="https://www.faithfi.com/rtg">Rich Toward God: A Study on the Parable of the Rich Fool</a></li><li><a href="https://www.faithfi.com/find">Find a Certified Kingdom Advisor (CKA) or Certified Christian Financial Counselor (CertCFC)</a></li><li><a href="https://www.faithfi.com/manage">FaithFi App</a></li></ul>
<p><p>Remember, you can call in to ask your questions most days at (800) 525-7000. Faith &amp; Finance is also available on the <a href="https://www.moodyradio.org/programs/faith-and-finance/">Moody Radio Network </a>and <a href="https://afr.net/podcasts/faith-finance/">American Family Radio</a>. Visit our website at <a href="https://www.faithfi.com/">FaithFi.com </a>where you can join the FaithFi Community <a href="https://www.faithfi.com/give">and give </a>as we expand our outreach.</p></p>

“Know well the condition of your flocks, and give attention to your herds, for riches do not last forever…” - Proverbs 27:23-24

These days, our “flocks and herds” often look like stocks and mutual funds, not sheep and cattle. But the call to wise stewardship remains. One way we do that is through proxy voting. Jerry Bowyer joins us to explain how and why it matters.  

Jerry Bowyer is the President of Bowyer Research and our Resident Economist here at Faith & Finance. He is the author of The Maker Versus the Takers: What Jesus Really Said About Social Justice and Economics.

Stewardship Through Proxy Voting with Jerry Bowyer

<p>Did you hear about the mortgage broker who always ate lunch alone? Yep—it turns out he was a loaner.</p><p>Okay, a bit of levity to start the program today, but you know what’s serious business? Buying or selling a home. Are spring and summer still prime seasons to jump into the market? Dale Vermillion joins us for insight on today’s real estate and mortgage trends. </p><p>Dale Vermillion is the author of <a href="https://www.amazon.com/Navigating-Mortgage-Maze-Simple-Financing/dp/0802483119/ref=sr_1_1?dib=eyJ2IjoiMSJ9.D0Kp6YcIdbXiMOjdBohhyAuLsR_SNOn0gxyD82RrQDCF3-PPUvtEfMd2h_6A_37j9YidRgXWLYF7ql7aoVRU-UvsdJcwrTw3RTnkty53ieYqqZK5OuB6JEqYfQCQnIM4krlWnvl_rV0V6VeWf9mupTmgVEV0N36X79OkInGasMYfmfJv8krw3RnlsbeSQM5uWblP3d9aTwogvRLq5Xipj9iIEhX7e9PEPb2iOx7nsgI.vtLukHHdmCBH466KOEGY2-q9klpVl0NSFSigLfh5mEU&amp;dib_tag=se&amp;keywords=dale+vermillion&amp;qid=1713761384&amp;sr=8-1"><i>Navigating the Mortgage Maze: The Simple Truth About Financing Your Home</i></a><i>.</i> This book covers everything you need to know about securing a mortgage—all from a biblical perspective.</p><h3>Is Spring Still a Seller’s Market?</h3><p>While spring and summer are still active seasons, seasonality in real estate isn’t what it used to be. The rise of online listings means people shop for homes year-round. However, warmer weather, the end of the school year, and a desire for fresh starts still push many families to buy and sell during this time.</p><p>There’s a lot of activity right now. Listings are up over 700,000—33% more homes than last year. And new home sales? Up to 76,000 in just the last 30 days.</p><p>With more homes on the market and fewer buyers competing, this may be the best opportunity to buy a home since 2021.</p><h3>Selling a Home? Stand Out With These Tips</h3><p>If you’re on the selling side, you’ll need more than a “For Sale” sign. Here are a few key steps to rise above the noise:</p><ul><li><strong>Price your home right from day one.</strong> Use recent comps, a professional appraisal, and work with a local agent who knows your area.<br /> </li><li><strong>Stage your home well.</strong> With more buyers relying on online home tours and 360° walkthroughs, curb appeal and clean, well-lit interiors matter more than ever.<br /> </li><li><strong>Declutter and simplify.</strong> Remove excess items and ensure the space feels open and welcoming—both inside and out.</li></ul><h3>Buying a Home? Here’s How to Prepare Wisely</h3><p>For starters, you need to understand that pre-approval is not the same as pre-qualification. Pre-qualification is often based on unverified info. You want a full pre-approval, where your application, income, credit, and down payment are all verified.</p><p>This not only makes your offer more attractive to sellers but also helps you understand what you can realistically afford. And that’s the other key point—know your budget. Don’t rely solely on what a lender says you qualify for.</p><ul><li>Create a detailed budget based on your actual income and expenses.</li><li>Consider your long-term financial goals, not just your current desires.</li><li>Most importantly, pray about your decision. Ask God for wisdom and peace before making such a significant commitment.</li></ul><h3>What About Mortgage Rates in 2025?</h3><p>Many are still waiting for interest rates to drop—but experts say don’t hold your breath.</p><p>The Fed rate may drop a few times this year, but that mostly affects short-term debt like credit cards and auto loans. Mortgage rates, on the other hand, are driven by the 10-year Treasury note.</p><p>As inflation eases, mortgage rates may follow, but they’re expected to remain relatively stable for now.</p><p>If you’re a buyer, now could be the right time to act, with high inventory and lower competition. But as always, make sure your decision is rooted in financial wisdom and prayerful dependence on God. Only buy what you can afford, and trust the Lord through the process.</p><h3>On Today’s Program, Rob Answers Listener Questions:</h3><ul><li>I just retired and received a $20,000 check. I'm not sure what I should do with this money. I have a Roth, some savings, an annuity, and a 401(k), but I haven't talked to a financial planner about my current financial status. What should I do with this $20,000?</li><li>I write one check every Sunday to tithe to my church. If everything goes electronic, I don't know how to track it.</li><li>As I get closer to having my home paid off, I would like to know if it's better to keep an outstanding balance on my mortgage to maintain the mortgage credit and homestead credit for property taxes, or just pay off the home and deal with increased taxes.</li><li>Years ago, when we were leading classes with Howard Dayton, our group discussed how collecting offerings at church feels very personal. When the offering basket is passed and a deacon holds it, we almost see it as Jesus' hand holding out the basket. It becomes a very personal act of giving, almost like giving directly to Jesus himself. I'm curious how many people over 65 still write a lot of checks.</li></ul><h3>Resources Mentioned:</h3><ul><li><a href="https://faithfi.com/give">Faithful Steward: FaithFi’s New Quarterly Magazine</a> (Become a FaithFi Partner)</li><li><a href="http://bankrate.com">Bankrate.com</a></li><li><a href="https://www.mycccu.com/faithfi/">Christian Community Credit Union (CCCU)</a></li><li><a href="https://www.amazon.com/Uncommon-Guide-Retirement-Finding-Purpose/dp/0802418929/ref=sr_1_1?crid=2CDM27LPGQTIM&amp;dib=eyJ2IjoiMSJ9.DDheOvok-KN1OK0sITt5H1GyW61oJ2jM0kuv9Y7lUvPGjHj071QN20LucGBJIEps.0dTM_NenqGUjFsJD2mEnF-S5RQyVAQDVIgsSqUIPlN8&amp;dib_tag=se&amp;keywords=jeff+haanen&amp;qid=1746562540&amp;sprefix=jeff+haanen%2Caps%2C149&amp;sr=8-1">An Uncommon Guide to Retirement: Finding God's Purpose for the Next Season of Life by Jeff Haanen</a></li><li><a href="https://www.amazon.com/Navigating-Mortgage-Maze-Simple-Financing/dp/0802483119/ref=sr_1_1?crid=19317CZ1TNX5Z&amp;dib=eyJ2IjoiMSJ9.qLmBV3XSoj7uX9HvqaPL62nEK5J_pfeVzyqceJPyfeOmliGIwcXDPRrlguoR1CT2g45j7fdTpCg64hE8qZS0whHckjG1FdCDmwNcpTDoB4qJQAAlvPT3SDVtytXrY391.pqcLpn0gnyeJMLfSbaeboBfXR7gNTtWZyZAyz03zA5o&amp;dib_tag=se&amp;keywords=navigating+the+mortgage+maze&amp;qid=1746562494&amp;sprefix=navigating+the+mort%2Caps%2C134&amp;sr=8-1">Navigating the Mortgage Maze: The Simple Truth About Financing Your Home by Dale Vermillion</a></li><li><a href="https://www.faithfi.com/shop/wisdomoverwealth">Wisdom Over Wealth: 12 Lessons from Ecclesiastes on Money (Pre-Order)</a></li><li><a href="https://www.faithfi.com/sparrows">Look At The Sparrows: A 21-Day Devotional on Financial Fear and Anxiety</a></li><li><a href="https://www.faithfi.com/rtg">Rich Toward God: A Study on the Parable of the Rich Fool</a></li><li><a href="https://www.faithfi.com/find">Find a Certified Kingdom Advisor (CKA) or Certified Christian Financial Counselor (CertCFC)</a></li><li><a href="https://www.faithfi.com/manage">FaithFi App</a></li></ul>
<p><p>Remember, you can call in to ask your questions most days at (800) 525-7000. Faith &amp; Finance is also available on the <a href="https://www.moodyradio.org/programs/faith-and-finance/">Moody Radio Network </a>and <a href="https://afr.net/podcasts/faith-finance/">American Family Radio</a>. Visit our website at <a href="https://www.faithfi.com/">FaithFi.com </a>where you can join the FaithFi Community <a href="https://www.faithfi.com/give">and give </a>as we expand our outreach.</p></p>

Did you hear about the mortgage broker who always ate lunch alone? Yep—it turns out he was a loaner.

Okay, a bit of levity to start the program today, but you know what’s serious business? Buying or selling a home. Are spring and summer still prime seasons to jump into the market? Dale Vermillion joins us for insight on today’s real estate and mortgage trends. 

Dale Vermillion is the author of Navigating the Mortgage Maze: The Simple Truth About Financing Your Home. This book covers everything you need to know about securing a mortgage—all from a biblical perspective.

Navigating Peak Real Estate Season with Dale Vermillion

__Should you wait for the market to reach its lowest point before you invest?__

If you had to choose between (1) regularly investing $100 into the stock market each month or (2) saving $100 each month and only investing this money when the market “dips,” which would you choose?

Many believe we should wait and invest when the market hits its lowest point. With this in mind, you may be surprised to learn the results of an experiment that is detailed in this third video of our Timeless Truths for Investing series.

__Read the Transcript:__

__Jason Myhre:__ *“You don’t want to buy things when they are expensive and sell them later at a lower price. You want to do the opposite of that, you want to buy low later and sell high. There’s actually a systematic way that you can do this.*

*Let’s imagine that we were dropped into history somewhere between the years 1920 and 1979. Wherever we land, however, our task is that we have to invest in the US stock market for the next 40 years.*

*Now I’m going to give you a choice between two investment strategies that you can pick from. The first one, option one is very simple. You can invest $100 a month for that 40 years no matter where you land. Option two is you can save up that $100 a month keeping cash on the sidelines and you can wait when the market dips and you can try to buy those dips in the stock market. Now, with this option, I’m going to sweeten the deal. I’m going to grant you perfect knowledge of the future. You’ll always be able to buy them at those absolute bottom prices.*

*Question is, which of these would you choose? Option two sure is enticing, isn’t it? I mean, it just seems like a slam dunk. Well, someone ran this experiment and I want to share with you the results, and I’ll tell you how to read it. When this blue line is above the horizontal dotted line, what that means is that it was a period in history where the buy the dips strategy, which was option two, was the better choice to make.*

*70% of the time a monthly investment outperforms in history. Very interesting, 70%, pretty impressive. But I granted an enormous advantage to the second option, perfect knowledge of the future, right? None of us have this. And so in practice, that option two is very hard to get right. So let’s, let’s account for that. Let’s say we get it wrong by just two months in terms of that timing decision, and then re-crunch the numbers on this problem. And what we find is that when we do that, then this monthly investment outperforms 97% of the time, virtually the entire experience.*

*Now, how can this be? What is the magic of investing monthly? Well, it’s not magic, but it is a very simple concept, and it’s called dollar cost averaging. A perfect example is our $100 dollars a month. Now the dollar amount can vary, the frequency can vary, but it’s a fixed amount of money at regular intervals over time.”*

Disclosure: This communication is provided for informational purposes only and expresses views of Eventide Asset Management, LLC (“Eventide”), an investment adviser. There is no guarantee that any investment strategy will achieve its objectives, generate profits, or avoid losses. Eventide’s values-based approach to investing may not produce desired results and could result in underperformance compared with other investments. Any reference to Eventide’s Business 360® approach is provided for illustrative purposes only and indicates a general framework of guiding principles that inform Eventide’s overall research process. Investing involves risk including the possible loss of principal. Past performance does not guarantee future results.

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Should you wait for the market to reach its lowest point before you invest?

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