What’s your dream for your financial world?  Everybody has one.  Habakkuk 2:2 says, “Write the vision and make it plan on tablets, that he may run who reads it.”  If you have not written down your vision for your financial future, it’s time you did.

Start by finding time to be alone with God.  If you are married grab your spouse and find time that you can spend with God together since you two are now one.  Your financial dreams and goals should emanate not from your own heart, but from the heart of God.

You must understand that you are only a steward, a financial manager, of the money that God puts in your hand.  Your wealth is a sacred trust.  You must therefore seek the owner about how to spend his money.  Do not make plans out of your own fleshly nature or desires for this gives the power to mammon and not God and you cannot serve both God and mammon.

As you pray, God’s wisdom for your finances will be availed to you and you can begin making plans and committing them to the Lord. “Commit to the Lord whatever you do, and your plans will succeed.” Prov 16:3.

The mistake we often make is that we come up with fleshly desires and plans and then want to commit them to God for successful implementation.  This is what God says about that, “DESTRUCTION IS CERTAIN for my rebellious children,” says the Lord. “You make plans that are contrary to my will.  You weave a web of PLANS THAT ARE NOT FROM MY SPIRIT, thus piling up your sins.” (Isaiah 30:1 NLT)  Get the plans that are from his Spirit.  Those he will empower for success.

Now write down your overall vision and your goals as well.  Have short-term financial goals, those that you plan to achieve in the next 3 years.  Also have long-term goals, those you plan to achieve between 4-10 years from now.  Prioritize those goals based on their order of importance to you and make sure that each goal has a given deadline that you are working with. A GOAL WITHOUT A DUE DATE IS JUST A WISH.

Even if you only start by working on one of your goals, that is okay.  It will give you hope for more as you see its achievement.  Here are some ideas of financial goals for you to consider:

I will save 3 months of living expenses by_______

  • I will pay off all my debts by _________________
  • I will move into my own apartment by __________
  • I will purchase a home by ___________________
  • I will save ksh. _____ for my child’s school fees by ______

Work out how much you need to save every month to achieve your goal, then write down in large letters the following statement.

“By the Grace of God, I will _____________ by ___________”

Look at your goal and read it out loud as an affirmation as often as you can.  If you need someone to keep you accountable and to monitor your progress with your permission, find an accountability partner to walk with you.