Stewarding Your Finances Together with Faith and Purpose
As we reach the halfway point of the year, it’s a meaningful moment to pause together, reflect on what God has done, and realign your financial journey as a couple. Proverbs 21:5 reminds us, “The plans of the diligent lead surely to abundance, but everyone who is hasty comes only to poverty.” Taking time now to check in allows you to steward what the Lord has entrusted to you with renewed wisdom and unity.
Here are four key areas to evaluate—and practical, prayerful steps to help you stay aligned with God’s plan for your finances:
- Review Your Budget and Spending Together
Even the most disciplined households can experience drift. Needs change, unexpected expenses pop up, and sometimes old habits sneak back in. This is a great time to sit down as a couple and ask: Does our spending still reflect what we value most?
Action Step:
Look over your past 2–3 months of bank statements together. Categorize your expenses and talk honestly: Are there areas where you’ve overspent or underestimated? Where might God be calling you to be more intentional? Adjust your budget as needed to reflect your shared priorities.
- Revisit Your Giving Goals
Generosity is at the heart of the Christian life—and an act of worship. Are your tithes, offerings, and charitable giving where you hoped they’d be this year? More importantly, is your giving joyful and faith-driven?
Action Step:
Pray together about your current giving. Ask: Is it consistent, cheerful, and led by the Holy Spirit? If needed, consider setting up automated giving or stepping out in faith to give more, trusting that God is your ultimate Provider.
- Assess Your Savings Progress
Are you building toward what God has placed on your hearts—whether that’s an emergency fund, future home, children’s education, or other goals? Halfway through the year is the perfect time to check progress and adjust if needed.
Action Step:
Review your savings as a couple and compare it to your year-end goals. Are you on track? If you’re behind, consider small changes—like automatic transfers or adjusting spending in one category—to move closer to your target.
- Check in on Debt Reduction
Debt can be a source of stress, but progress—no matter how small—is worth celebrating. Have you made the strides you hoped for so far this year? If not, what’s been standing in the way?
Action Step:
Update your debt balances and revisit your repayment plan. Discuss opportunities to make extra payments—maybe from a tax return, bonus, or even a garage sale. Remember, consistent small steps lead to big breakthroughs.
A Word of Encouragement
“Commit your way to the Lord; trust in Him, and He will act.” —Psalm 37:5
This mid-year check-in isn’t about pressure or perfection—it’s about partnership, grace, and growth. God has entrusted you with resources, and He walks with you as you manage them. Trust Him to guide your next steps, and keep inviting Him into your financial conversations.
You’re not alone—He is faithful in every season.
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