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What the Bible Says About Money - 4 Financial Principles to Follow

Chin chin is a Christian stay-at-home mom with five children. She's been a Sunday School teacher for about 30 years now.


As a Christian, it is important for me to understand what the Bible says about money and finance. I believe that if we handle our finances the way God wants us to, God will bless us in surprisingly many ways. Hopefully this hub will help us understand more about finance management from a Biblical perspective.

What does the Bible say about Money?

Money is not the root of all evil.

Many shortcut the verse written by Paul in 1 Timothy 6:10. It says "For the love of money is a root of all kinds of evil. Some people, eager for money, have wandered from the faith and pierced themselves with many griefs."

This verse shows that money per se is not the root of all evil but it is the love of money. Why? Because those who become obsessed with money will do almost anything, even if it goes beyond what is right, just to have it.

Have you seen people steal or even kill just for cash? And in so doing, many people, even Christians, have wandered away from the faith and suffered many griefs. Have you seen those playing in casinos how they suffer great loss and fall into debt just because they played and played thinking that they would win more money?

Money is not our Master.

Matthew 6:24 says "No one can serve two masters. Either he will hate the one and love the other, or he will be devoted to the one and despise the other. You cannot serve both God and Money."

In our world today, we need money to buy what we need, for doing business, to pay for services, etc. But then life on earth is just temporary. Therefore, we should always remember that money is not our master. God is our Master. In fact, God is the one who provides us the resources we need and he wants us to be good stewards of it.

So, as God's good stewards how can we best practice good finance management? I've divided the information on this in 4 key areas: Giving, Saving, Spending and Investing.

4 Financial Principles to Follow


Give and you will receive. Now, this is a principle that many have difficulty making a sense of. When a Christian gives his or her tithe and offerings to God, how will that add anything to his/her finances? Isn't that actually subtracting from what you have? No wonder many do not want to give.

Let me quote 2 Corinthians 9:6-8. "Remember this: Whoever sows sparingly will also reap sparingly, and whoever sows generously will also reap generously. Each man should give what he has decided in his heart to give, not reluctantly or under compulsion, for God loves a cheerful giver. And God is able to make all grace abound to you, so that in all things at all times, having all that you need, you will abound in every good work.

To say it simply, when a person gives his tithe and offerings, he is sowing into the Kingdom of God. What he will reap is the assurance that God will take care of ALL his needs. See the "all" in the last sentence of the quoted passage above? This is one important principle in the kingdom of God that every Christian should understand.

What the Bible says about tithing and giving?

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Learn from the Ants. I like watching these little creatures. They teach us a good lesson on saving for the rainy days. Proverbs 6:6 says " Go to the ant, you sluggard; consider its ways and be wise!" and Proverbs 30:25 says "Ants are creatures of little strength, yet they store up their food in the summer."

We should not only be wise spenders but we should also be wise savers. We should not spend everything that we earn but rather save a part of it. Exercise frugality as much as possible. Think about financial planning and saving for future expenses like the college education of our kids, retirement and emergency expenses like paying for hospitalization or even interment.


Godliness with contentment is great gain. When it comes to spending, godliness with contentment plays a big part. The reason why many people get into trouble with debt and finance management is because of lack of contentment. They are the "what you see is what you buy" type of people. Do you see the problem with this attitude?

1 Timothy 6:6-8 says "But godliness with contentment is great gain. For we brought nothing into the world, and we can take nothing out of it. But if we have food and clothing, we will be content with that."

What is the guideline when it comes to wise spending. Mine is just simple. If you need it, buy it. If you don't, don't buy it. In the verses above, it mentioned the need for food and clothing. Obviously, in our times now, we need more than that. The point is, we have to distinguish between our NEEDS and our WANTS.

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It is a must to spend on our needs. We can also spend on our wants, why not, but we have to set limits to what we could and could not buy. Otherwise, we might fall prey to all sorts of debt.


There is a parable taught by Jesus called the Parable of the Talents found in Matthew 25:14-30. There was a man who entrusted his 3 servants with different amounts of talents (A talent then was worth more than a thousand dollars). Two of the servants put the money to work and doubled the initial amount. The last one just dug a hole in the ground and hid the money. Of course, the master commended the first two for a job well done while the last one he called wicked and lazy.

From this parable, we can see that God wants us to use and grow our talents, both our personal abilities and wealth. Let me use the term investment. Investment means using money or any asset for the purpose of gaining profitable returns. Isn't that part of what God wants for his wise stewards? Whatever investment you go into, whether in bank savings, stocks, real estate, etc, just be sure to follow what the Bible says about the related issues mentioned above.

To summarize what the Bible says about proper money management - Don't forget to Give to the Lord; Save for the future emulating the ants; Spend wisely by exercising contentment; and Invest and grow your talents. This is how I simply understand finance from a biblical perspective.


Chin chin (author) from Philippines on March 18, 2012:

susanm23b, I agree with you that the truths in Bible never change and they are there to guide us in our everyday living. Thanks for reading and commenting. God bless.

Chin chin (author) from Philippines on March 18, 2012:

jpcmc, I am glad that this hub brought you fresh ideas from the Word of God.

susanm23b on March 18, 2012:

Excellent, wonderfully written hub! You did a great job with this. No matter how much the world changes and technology advances, the truths in the Bible ALWAYS apply to protect us from making the wrong choices :) When we don't follow them is when we get into trouble. Voted up!

JP Carlos from Quezon CIty, Phlippines on March 14, 2012:

I never really saw money from this point of view. It's a fresh way to see money. The bible is truly a book for all!

Chin chin (author) from Philippines on January 24, 2012:

Kerlynb, so nice to see you drop by. These 2 concepts are really tricky because the devil has been using it ever since to lead people away from God. That's why it should be emphasized that we should not love money nor serve money. God bless you!

kerlynb from Philippines, Southeast Asia, Earth ^_^ on January 24, 2012:

"Money is not the root of all evil." - Amen to that. We need money to get by and lead descent lives and even help others lead good lives. I also agree with you that money is not our master. What a self-centered, materialistic, and selfish world it would had money become our god. Excellent hub kabayan!

Chin chin (author) from Philippines on January 10, 2012:

@nanospeck, thanks for the visit and vote up. I will try to write more on these types of topics.

Chin chin (author) from Philippines on January 10, 2012:

@dburkeaz, thanks for the input. I would work on that.

Akhil Anil on January 10, 2012:

Great perspective on money management. Hope you'd write more such insightful articleS. Interpreting modern lifestyle necessities in a biblical perspective 'as articles' is so scarce these days! Votes up!

dburkeaz from Gilbert, AZ on January 10, 2012:

Very nice summary. Could you add a small section on debt?

Proverbs 22:7 - The rich rule over the poor, and the borrower is slave to the lender.

Chin chin (author) from Philippines on January 10, 2012:

Thanks, jean2011, for reading and voting up. I agree that the Bible can make a difference in people's lives including in managing finances.

jean2011 from Canada on January 10, 2012:

Great hub Chin chin! What a difference it would make to our lives, families and the world if we would follow and apply the principles of the Bible to manage our finances. I totally agree with you!I voted your hub up and useful. Thank you for sharing.

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