It’s common knowledge that good habits lead to good results. If you have good eating habits, you’ll be healthier. If you have good sleeping habits, you’ll have more energy and attention during the day. If you have good time management habits, you’ll get more done.
But because money connects with almost every area of our lives, all of our habits have the potential to affect the financial results we experience. So much of what we do leads to our bank accounts.
That’s why good money management is about more than good money habits. If you want to get better financial results, it will require a holistic effort.
I’ve written previously about developing mindset, household, lifestyle, and money habits that will help you reach your financial goals. This post focuses on spiritual habits that can have a significant effect on your results.
I can only speak from a Christian perspective, because that’s the faith I’ve lived all my life. If you practice a different faith (or none at all), I hope you can still find something helpful in this post. I believe we are all spiritual beings with physical bodies, and we need to nurture our souls as much as our bodies.
By practicing these 5 spiritual habits daily, you can experience peace, receive direction, and walk in wisdom as you continue to work toward your financial goals.
1. Pray for guidance
Did you know there are over 2,000 verses in the bible about money? Yep, God has a lot to say about our finances.
He knows how much it affects our lives, and the struggles we can have with it. So, He gives us lots of direction.
Of course, the Bible can’t address every situation we encounter. Sometimes the answer isn’t clear and we’re uncertain how to move forward.
When you feel stuck and don’t know which way to turn, one of the best things you can do is go straight to the Boss Himself. He’s got all the answers.
Daily prayer is a great habit to build in your life. I (try) to pray every day for my kids, our health, for others, for the future, and for wisdom. Because I don’t know what tomorrow holds, but I do know who holds tomorrow.
I encourage you to ask God to guide you in your financial decisions. He wants to help you and He wants to bless you. He might just be waiting for you to trust Him.
2. Forgive yourself and others
You might be wondering how forgiveness is connected to good money management. I’ll explain.
When you hold onto unforgiveness, you choose to operate with a victim mentality. You harbor anger, resentment, blame, regret, pain, and a host of other negative, life-sucking emotions.
All of these destructive feelings are created out of your thoughts. When you focus your mind on the person that wronged you, all of the anger and pain comes bubbling up to the top.
Out of those feelings come your behaviors – the decisions you make, the words you say, how you relate to others, how you perform at work, etc.
And your behaviors ultimately lead to the results in your life.
So, when you refuse to change your unforgiving thoughts toward someone else, this choice eventually trickles down to the consequences you experience.
These consequences may include an inability to get a raise because of your poor attitude, or medical bills due to a stress-related health issue. Staying in a victim mindset keeps you from being open to new possibilities – like a better job, an investment opportunity, or starting a business.
Those thoughts that keep ruminating in your mind, feeding your anger and pain, can affect your health, your relationships, your job performance, and yes – your finances.
Forgiving someone is a spiritual act that frees you from the past and allows you to move forward to heal. It provides a door to finding peace for yourself, and releasing the offender to God so you can move on with your life.
When you choose to forgive, you open your heart up to the amazing possibilities in your future, instead of hanging on to the pain in your past.
3. Wait for direction
Sometimes when we ask God for something, we expect to receive an answer quickly. Especially if we’re in a bind and we just want out of a situation.
But often, it’s the discomfort we’re going through that provides the growth in our lives. It’s quite possible that God put you in that position to learn, and not just to be rescued.
God’s timing is not ours. As you seek His wisdom, be patient with His answer. He wants to guide you, but He also wants relationship with you. And perhaps the only way He can get your attention is by bringing adversity into your life.
So, I encourage you to wait for His direction. Don’t move forward just because you think you need an answer *now*. God’s the only One who knows your future, and He’s got your back.
4. Journal about gratitude
Building a habit of gratitude is one of the best ways to foster positive emotions, better health, deeper relationships, and an abundant mindset.
Staying grateful also helps us overcome being materialistic, selfish, pessimistic, and self-centered. These can all lead to compulsive shopping, acquiring debt, and a lack of savings.
When you focus on comparing yourself to others instead of being content with what you have, you’ll try to find fulfillment in destructive ways.
But if you acknowledge all the goodness in your life and remind yourself of the blessings you’ve been given, you’ll develop a contentment that inspires you to live below your means.
And when you spend less than you make, then your financial future looks that much brighter.
5. Read your bible
As I mentioned above, there are thousands of verses in the bible about money. God knew we’d need a lot of instruction, direction and encouragement surrounding this vital part of our lives.
So, spending time reading your bible is a great way to learn and apply that holy wisdom to your finances.
We don’t have to figure it out all by ourselves. I’m *so* thankful for that!
There are some great books out there on personal finance, and millions of helpful resources on the internet. I say learn as much as you can. But, always compare it to God’s wisdom.
He’s the One that created money, and He wants us to trust Him with our finances. He knew we would struggle with it and mess up and get in tough situations because of our limited knowledge.
But He’s there to help us through it all. We just need to trust the wisdom He’s already given us in His Word.
Take care of your spirit
In this world, it’s easy to neglect spiritual things. We are physical beings with senses that allow us to experience the world around us.
Sights, sounds, and smells all contribute to our interpretation of life. As humans, we like seeing before believing. We want to touch something before buying it. If it doesn’t directly affect how we think or feel, we don’t give our attention to it.
Life can be so busy and complicated sometimes. There’s always a problem fighting for our attention.
Who has the time to just sit and be still and pray and wait?
And yet, it is the most beneficial thing you can do for yourself. Nurturing your spirit is nurturing your life. It’s the habit that keeps this crazy world in perspective. It provides peace and comfort for your soul.
If you don’t currently practice spiritual habits, I encourage you to start. Just start where you are, and choose something that you think would be compassionate to your spirit. Prayer, meditation, journaling, and bible reading are just a few ideas.
Spiritual self-care is just as important as mental and physical. They’re all connected, and when you practice habits that foster health in each one, you’ll be better equipped to achieve success in every area of your life. Even money!