Writing this 6-part Biblical Money Smarts series has been challenging, not because of a lack of content-it’s abundant- but deciding the order in which the topics should be placed. Goal Setting would seem to be the first thing we’d need to discuss but I decided to leave it for last so that I could emphasize exactly how important it is.
Young newlyweds especially, need to begin their unified journey with set, definite, agreed-upon goals. It’s important to discuss what you both want to save for; things like having babies, retirement, a new home and its maintainance, travel, vehicle repair, etc. The goals of both man & wife must be discussed and worked into the family budget from the very beginning.
These goals may include remaining debt free or getting out of debt, paying off family vehicles by a certain date, buying a vehicle without financing or building your dream home.
Once these goals have been clearly defined there MUST be a date attached to each one. A dream is something you “wish to have” at some arbitrary point in the future. A goal is something you “plan to achieve” by a certain date. Plan is the operative word here. Attending a birthday party or a graduation requires that you plan ahead. You set the day and time aside in you calender. You may set an alarm on your smart phone to remind you of the event a few weeks in advance. A “graduate debt-free” goal for your children, for example, obviously requires very in-depth planning. This is why such goals should be discussed asap! There is no time to waste!
Goals are the foundation of your financial success!! Everything else rests on them.
Consider the goal of Christ. He desired to reconcile us to Himself. His plan included a virgin birth, living a perfect life for 33 years, teaching others to live a Godly life and then taking the burden of the Father’s wrath on the cross. If God Himself had a goal and also a plan to acheive it, then it seems a good idea to follow His lead.
1 Corinthians 14:33 states God is “…not a God of disorder”. Looking at the world around us confirms this. Trees pull water from the ground, up thier trunks, into thier leaves in an orderly way. Days pass by as we circle the globe without colliding with other planets. There is order to the universe because that is His nature.
We must be just as orderly in our financial planning if we are to achieve financial success and this orderly harmony must begin with goals in mind.
Goals serve as a jumping off point. The second you identify a goal, you have also pin-pointed two things: where you are and where you desire to be. As of that point your brain can start construct a road map of sorts. Think of where your job or favorite hang-out is located. Picture it in your mind. How do I get there from where you are right now? See what happened? Your brain immediately went to work constructing a path from your present location to that location.
This is precisely why setting a goal is important. You need to develope that road map towards financial success. If this isn’t accomplished you’ll remain stationary, inactive, unproductive and therefore unsuccessful.
Pray about what your five most important goals should be. Once God has made them clear, write them down, pray about them, asking God’s guidance. Ask Him when these goals should be accomplished.
With His guidence youll be able to Reduce your spending, create Assets and Stay Out of Debt while Educating yourself on finances and Ignoring the Hype created by materialistic advertizing.
Your goals, and God’s loving guidance, will serve as guard rails, keeping you on the straight and narrow path of Biblical Money Smarts!