Usually, our problem isn’t God’s lack of generosity but our lack of stewardship.

Our problems aren’t due to lack of money but our mishandling of money.

Let me explain.

Let’s say John and Carol buy an expensive car—a car beyond their budget.

John and Carol are earning a combined income of P50,000 a month, but they buy a car worth P950,000. The monthly amortizations are killing them.

As they roll in their beds trying to get some sleep, they’re filled with regret and say, “If only we were earning P100,000 a month! Then our problems would be solved.”

I don’t think so. Because if they were earning P100,000 a month, they would have bought a P950,000 car, and a P200,000 home theater set, and a P5,000-a- month country club membership, and a P50,000 stationary bike, and a P30,000 vacation in Palawan and . . .

Don’t spend more than you can afford. Delay gratification!

When I want to buy something, I ask three questions: First, “Will this give glory to God?”

If the answer is no, I don’t buy it.

If yes, I ask the second question.

“Will this bless others?” It doesn’t have to bless others directly. It can bless me, and thus bless others with a better me.

If the answer is no, I don’t buy it.

If yes, I ask the third question: “Will you give this to me, Lord?”

Though I have the money to buy the item, I humor God to give it to me as manna. Usually, after a few months, I get it for free or at a greatly discounted price! Or I realize I don’t need that thing and thank God I didn’t buy it impulsively.

I recall a friend complaining one day in June that she didn’t have enough to pay for her kid’s tuition. But I also knew that just six months before, she bought a large-screen TV set—and was paying monthly installments for it.

I also knew they had cable, and she was paying 500 pesos each month. That’s P6,000 a year! I asked
her, “How can you not have anything to pay for the tuition this June when you had the money to buy the TV last January?”

She couldn’t answer.

Friend, work on the little that you have.


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