1) Spend less than you earn. Seems like a no brain-er, however few do it including the government.
2) Avoid use of debt. The ancient text tells us the borrower becomes slave to the lender.
3) Liquidity cushion. Easy to acknowledge yet few set aside for emergency or unexpected stuff that happens to us all. Proverbs tells us to observe the ant who works to store up for the winter months.
4) Set long term goals. Goals and vision keep us focused on doing the next right thing. With many counselors your plans will be established.
5) Have eternal perspective. God owns it all and brings the increase. Ps 24:1 and Det. 8:18
6) Rejoice in generosity. The one who waters will themselves be watered. Give and it will be given unto you.
So if we know what is right and we do not do it does it count for anything? This reminds me that for years I had a gym membership and did not go. While I knew it would good for my health that was not enough to improve my health. Actually it was worse as I paid the membership and did not use it. Get accountable to someone or hire someone to help you. Here are a couple of faith questions for you. What do you think God thinks you should do about this_______? What would your spouse say about it? We all need someone to speak into our lives biblical or transcendent wisdom.
There are only 5 short term uses of money. Your income flows only to 5 choices in the short term. 1) Giving 2) Taxes 3) Saving/Investment 4) Debt Payments 5) Lifestyle. Try this stewardship exercise by looking back over the last three months of your check book/ATM/Credit cards to see your 5 buckets. Take an inventory and reflect on what happened. Ron Blue of Kingdom Advisors say, “Your use of money reflects your goals, values and priorities and your spiritual convictions.”