Christina Baldwin


Christina Baldwin

Money, Money, Money

When it comes to money, most of us share a collective internal groan at the approach of the holiday season. Some of us are well-off enough that it’s not a big deal; what a blessing! For the rest of us, holiday finances can be a stress, a tension-creator, or an outright life-altering burden.

There are SO many extra things that we can and maybe shouldn’t spend money on during the month of December. Presents, food, experiences, fancy clothes, plane tickets, hotel rooms, Christmas trees, beautiful matching Pottery Barn stockings…the list never ends.

So how do we do this? How we do navigate our way through the minefield of monetary expenditures that the holidays create?

1. How God Does It

Matthew 6:31-32 So do not worry, saying, ‘What shall we eat?’ or ‘What shall we drink?’ or ‘What shall we wear?’ For the pagans run after all these things, and your heavenly Father knows that you need them. But seek first his kingdom and his righteousness, and all these things will be given to you as well.

First and foremost, let’s start by having God’s perspective.

We need to know Him, His heart for us, and the truth He’s given us in His Word. He has a lot to say about saving, spending, debt, the whole nine yards. The Scriptures exhorts us that Christ is going to meet our needs. For some of you that might be a trigger. You may have deep places of pain in the area of finances; if we know Jesus (and we do a little!), it could be that He wants to dialogue with you about it over this holiday season. Consider taking time to talk to a friend or a counselor to process your emotions. 

The other awesome reality is that JESUS LOVES TO PARTY! 

When Kristianna is looking down the road at an upcoming time of extra spending, she takes a minute to talk to Jesus and let Him remind her about how generous He is, how much He loves to party, how much He loves gifts. She dialogues with Jesus about how He wants her to spend HIS money because, after all, it’s all His.

He loves to provide for us above and beyond the “necessities” of life. 

2. What You Need is a Plan!

Start by refreshing yourself on what you (and your husband) believe about how you manage your money, from a Biblical perspective.  

After that, ASSESS where your finances are and what seems reasonable for you to spend over the holidays. (Talk to Jesus about it.) Jesus usually has better ideas than we do about how to spend the money that He gave us!

3. What Can You spend? 

Luke 14:28 For which of you, wanting to build a tower, doesn’t first sit down and calculate the cost to see if he has enough to complete it?

Like the rest of the year, during the Holidays we’re going to be living in the balance of being responsible stewards and enjoying what God has given us. 

For some people, doing a line itemization is stressful and feels restrictive and takes all of the fun out of it. For some people that will bring peace. Think about giving yourself a ballpark number, instead of itemizing things. Consider opening a separate Christmas account or doing a cash envelope system. 

Above all, PRIORITIZE!

If presents for your family are of chief importance, buy them first. Whatever you have left is your holiday budget. If you need help with this process, find a friend or a family member who is gifted in this area and ask for help!

Merry Christmas from all of us here at Moolily!