The Fear Factor

Christians live by faith, but when it comes to finances, that faith can be sorely tested.

You might fall victim to something we’ll call the “fear factor.” You’re worried that you won’t be able to pay the bills, replace the car that always needs repairs, or save for the future.

In those times, when fear of the future gets the better of us, we insist on taking charge. But the Bible is clear about the importance of trusting God for everything.

Fear can lead to financial bondage. It begins when we think things and do things that indicate a lack of trust in God. He’s promised to meet not only our needs, but to give us the desires of our hearts, as long as they match up with His will for us.

Certain indicators reveal whether you’ve given in to fear and might be in financial bondage.

It may result in bad communication and conflicting values between spouses, which will damage a marriage. It may lead to hoarding and a lack of generosity. It may cause you to unnecessarily scrimp and sacrifice, to covet money.

Faith is the opposite of fear. In Hebrews, faith is described as “things that we hope for and things that we do not presently have.” If we didn’t have needs, we wouldn’t need faith. But it’s God’s plan to teach us and strengthen us in faith, so He allows us to have needs, so that we can learn to trust Him. Everything you experience is part of God’s plan for you.

In Hebrews 11:6 we’re told that “God is a rewarder of those who seek Him.” Every Christian must decide, do I really believe that? Do I really trust God or am I just saying I do? Believers must reject materialism, the tendency to put our trust in our bank accounts instead of God.

Now, how do you fight the fear that leads to financial bondage?

First, stay in God’s word, ask Him for help, hope and direction. The goal should always be to know and live according to His plan for your life. Seek God in all things and let Him know you’re willing to trust Him when He makes His will clear. This isn’t a “one time thing.” It’s a process that requires constant study of His Word.

Next, make a conscious decision to act when God’s will becomes clear. This will be different for each of us. It may mean giving away something you need, or making a job change you hadn’t planned on, or putting off buying a bigger home.

Then, develop a long range perspective. God rarely works on the same timetable as we do, so it’s important that we learn what patience is—waiting on the Lord.

Finally, use the most powerful tool that God’s given us to unlock His blessings and power— prayer. It’s the most neglected part of Christian life.