5 Helpful Ways to Improve Your Financial Discipline

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Financial and discipline are two words that for most men, just don’t go together. There never seems to be enough money, and besides that, discipline is just plain old hard work. Yet, How many times did you hear your grandfather say, “better save some for a rainy day”?

Proverbs 3:9–10 “Honour the LORD with thy substance, and with the firstfruits of all thine increase: So shall thy barns be filled with plenty, and thy presses shall burst out with new wine.

The thought of having a structured, and regulated financial plan, just rubs a lot of guys the wrong way. Yet, how in the world do some guys get so good at financial management? They have a budget, and save money, and still seem to live as good or better than the rest, on the same income.

Here are 5 Ways to Improve Your Financial Discipline.

Honor the Lord with your Substance (stuff).

It is an easy habit to get wasteful, to let stuff fall into disrepair, and to neglect the upkeep of the things the Lord has entrusted us with.

That is financially careless. It does not honor the Lord, it is irresponsible behavior, and it does not exhibit financial discipline.

Sure, you can go out and replace that item with an upgrade, or buy the newest model, but the cost really does add up.

If you were to take care of your possessions better, it could literally save you thousands of hard-earned dollars.

Honor the Lord with your Increase

This is your income, your increase. How can you honor the Lord with your income? There are many ways, but I will suggest a few.

Have a strict budget, that includes giving, and saving. A biblical man should be a generous man, there will always be givers and takers, be a giver.

By having a strict budget, and learning to live well within your means, you are honoring God with your income.

No doubt you have the old cliche, “people to plan to fail, they just fail to plan”. If you don’t have a plan, and stick to it, then your income will slip through your fingers like a wet noodle.

By being a generous giver, to the Lord’s work, your church, to missions, and to others that you wisely choose, you are proving to be the master of your money, rather the servant of it.

Be Frugal with Your Income

When every dollar of your income has an assignment, they suddenly seem to have more value. Don’t waste it by paying more for something than you should, buying new when used will do, or going out for lunch when a brown bag can get it done.

By the way, your lunch will taste better, when you know that you are exercising financial discipline.

Tips for Living on a Personal Financial Plan

Have a Plan For Every Dollar

I have said it already, but literally, have a plan for every dollar. Setting up a budget is hard work, but there are many resources available, and probably some friends that would be willing to help you think it through.

Dave Ramsey has some great resources that are available. In fact, I went through his Financial Peace University, and it helped me a great deal.

The small investment in this at home course completely changed my financial picture.

Set Some Financial Goals

If you aim at nothing, you are sure to hit it. Do you have an emergency fund saved up for “a rainy day” like your grandpa said? Are you saving enough to care for your wife in your “Golden Years”?

If your primary car was to lose the transmission, and you needed to replace it, would you have to go into debt to get it repaired? This is real life stuff, and the biblical man should honor the Lord with his finances.

Proverbs 3:9–10 “Honour the LORD with thy substance, and with the firstfruits of all thine increase: So shall thy barns be filled with plenty, and thy presses shall burst out with new wine.

The Key is to start now by taking the biggest step that you can!



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