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Family Finance – Talking Dollars and Common Sense

Author, blogger, speaker - Carol Peterson

Author, blogger, speaker – Carol Peterson

Here’s a guest post from writer, Carol Peterson – author of the book Fun With Finance.

If you’d like to write a guest post for The Daily ReTORt, check out the guidelines here:


Many of us learned how to handle money by watching our parents. Then our kids learned from us. Unfortunately, that’s sometimes like making a copy of a copy. Each copy becomes more and more distorted.

What if we started over, learning proper money management and taught kids from where they are supposed to learn rather than from where we are now?


The Bible has a lot to say about salvation, how to live a godly life, how to treat other people. And while we are reminded to focus on our treasures in heaven, the Bible also a lot to say about managing money while we are here on earth.

Among other things, scripture cautions us about borrowing money (Proverbs 22:7, Romans 13:8), cosigning loans (Proverbs 6:1-5) and prudent investing (Matthew 25:15-30)

God has given us stewardship over everything on this planet. That includes the money and resources He entrusts to our care. How are we doing with them? How do we want our children to manage the money and resources they accumulate throughout their lives?

While it’s true that we can’t take it with us, it’s also true that we have a responsibility to make wise use of it while we’re here.


What if we started with something simple like budgeting? What if we wrote down all of our expenses in one column and all of our income in another? What if we worked to lower our expenses so they were less than our income?

What if we planned ahead for major purchases? And didn’t buy them until we had enough cash? Or what if we had a mindset that didn’t require the biggest or best or the item with all the flashy gadgets?

What if we had a regular savings plan that was so automatic we didn’t even have to think about it; much less stress over it?

What if the very first check we wrote each month was to God? And we wrote it cheerfully out of the realization that the first 10% and—in fact the other 90% too—was His in the first place?

The love of money (not money itself) is the root of all kinds of evil (1Timothy 6: 7-10). But when money isn’t managed well, it can lead to disastrous financial situations that are not of God.

Are we good stewards in this area of our lives? How can we do better? And how can we raise up a new generation of financial superheroes? 

PRAYER: Heavenly Father, thank you for the resources you have entrusted us with. Please help us learn to be good stewards of everything in this world, remembering that it all belongs to you. Amen.

WHAT ABOUT YOU? Can you share one way in which you have taught others a lesson about financial responsibility?

Carol has a passion for financial stewardship. Her fourth book published by Teacher Ideas Press, FUN WITH FINANCE shares money matters with children, grades 4-7, using the math they are currently learning and adding activities, games and lively scripts to help kids become the next generation of financial superheroes.

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  1. Great advice Carol and easy too! Not that long ago these were common sense topics, but a lot has changed – common sense is not that common. It takes commitment and a willingness to sacrifice a little “play time” to invest where the Bible promises rewards – it still works that way – God made the rules.

  2. Great thoughts here Carol! I would say that I’ve learned more than taught more on this subject. It’s all good… probably the most important lesson is “Give, Save, then Spend” – good advice to live by!

  3. Deborah K. Anderson says:

    As a kid (yes, I was young once), I mowed yards, washed cars, did babysitting, etc., to make money. It taught me the value of a hard-earned dollar. I’m also a total believer in tithing to God, not buying something unless you can afford it, and if using a credit card, don’t charge more than you can pay off each month. It’ll keep one out of credit card debt.
    Great post! Thanks,Carol (and Tor).

  4. Lynn Mosher says:

    Ditto! Great advice, Carol!

  5. Good wisdom in this post.

  6. Carol Peterson says:

    @ Larry and Lynn – thanks for the good words.
    @ Deborah – your childhood sounds a lot like mine. Nothing was for free.
    @ Chris – the basis for sound financial management–the saving comes first (after paying back God, of course)
    @ I love your final comment “God makes the rules” – in all things! And those rules are good!

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