In Luke 14, Jesus’ example of building a tower shows the importance of planning and using resources wisely. Otherwise, money may run out before the work is done. As with any plans we make, those involving finances should be covered with prayer. First, ask God for the wisdom to understand His teachings about money and how they apply to your situation. Next, pray for clarity about how much is spent versus how much is earned, as well as all the other details.

One final step is to seek the Lord’s guidance in assessing whether your spending habits are in line with His priorities. In evaluating this, it is helpful to divide expenses into categories, including:

• Giving to the local church, missionaries, and other organizations.
• Basic needs—food, clothing, and housing.
• Insurance, retirement plan, savings.
• Debt, such as mortgages, loans, and credit cards.
• Spending on extras—phones, internet, TV, eating out, vacations, etc.

Some of us will discover that our finances are not in line with scriptural principles, which may be discouraging. If this is true of you, turn to the Lord, confess what has happened, and pray for the strength to handle your God-given resources His way.

Financial discipline is a learned skill. It requires a commitment to live according to Scripture, persistent effort to change bad habits, concentration to develop new ones, and faith that we can learn to live according to God’s priorities. We’re blessed when we practice prayer-based planning.