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One of the keys of good stewardship is to spend less than you make creating a surplus. The surplus allows you the ability to help others or to give to a good cause. Unfortunately, 60% of Americans say they spent more than they earned last year. A survey of more than 27,000 people by the FINRA Investor Education Foundation showed that Just two out of five Americans say they spent less than what they earned.

Not only does spending more that we earn keep us from having a surplus, it also drives us to borrow money and increase our debt. Part of discipleship is learning to live within your means. —Jim L. Wilson and Rodger Russell.


Ephesians 4:28 (HCSB) “The thief must no longer steal. Instead, he must do honest work with his own hands, so that he has something to share with anyone in need.”

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