4 Things You Must Know About Biblical Financial Planning

When it comes to planning your finances as per biblical principles, there are a few things that you need to know. First of all, it is vital to know the heart of God with regard to one’s life. As the Bible says, the Lord knows the plans He has for His children. It is His heart for them to prosper and live a content life. Financial stability is undoubtedly an essential aspect of living a life of peace and fulfilment. This is why it is crucial to understand what the Bible has to say about financial planning.  

Financial planning is not just about making money. It’s also about using your money wisely and managing it well. This blog post will discuss some of the key principles of biblical financial planning and how they can help you achieve success in life.


The  Bible has a lot to say about how you should handle your money. There are two main principles repeated throughout Scripture when it comes to investing: First, you are to be good stewards of what God has entrusted to you. It means carefully managing and investing the resources He has given you to produce a return. 

Second, you are to take risks. It doesn’t mean gambling or investing in something that is a sure loss. But it does mean being willing to put your resources into something that has the potential to produce a greater return, even if there is some risk involved.


When you speak about biblical principles for financial planning, debt is usually one of the first topics. Though the scriptures do teach you to be careful about incurring debt, the Bible is not entirely against the practice of borrowing money. 

For example, you are told to avoid borrowing money if you can’t afford to repay it. And if you do borrow, you should be sure to do so responsibly. That means only borrowing what you need and making a budget that includes regular repayments to the debt quickly.

There are many faith-based financial planning firms that work to assist their clients with the management of their finances based on biblical principles. If you believe that you could use the services of a Christian financial planning firm, you can approach an expert organization for help with budgeting and repaying debt.

Backed with Prayer

Prayer plays a significant role in the life of a Christian. Financial planning, as per the Bible, should be backed with prayer since one may lack the wisdom to make accurate financial decisions on their own.

One must be on their guard against greed and coveting the beautiful and alluring things around them. If you can avoid the temptations of unwise and excessive spending, you will be able to save more money for your future needs.

Hence, it is important to pray that God will grant you wisdom and protect you from temptation (see Matthew 6:13 and James 1:5). It is also vital to seek the guidance of God to make sound financial decisions. 

Principle of Giving

Biblical financial planning supports the idea of giving more to those in need. Charitable giving allows you to offer a hand to those in need. As per 2 Corinthians 9:7, “God loves a cheerful giver.” 

Apart from earning for your family’s needs, the Bible advises one to contribute to society’s betterment. Also, as a Christian, it is important to be an active member of a local church where you learn and sow your financial seed for the furtherance of kingdom work through regular tithing and offering. It should be your priority in your charitable giving after you have provided for your family’s needs. 

Final Thought

It is crucial to have a solid financial plan to get your life on track. Without a financial plan, your life may aimlessly drift into spending and earning money without a goal.

Money is a means to an end to provide for your needs and the needs of others around you. Reputed Christian financial advisors are a great resource for help with budgeting, investments, and other financial matters. In addition, they can offer guidance and support as you work to live a life in line with biblical principles.

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