The Top 3 Money Habits of Financially Free Christians
So you want to know The Top 3 Money Habits of Financially Free Christians? What does it take to be financially free as a Christian? Is it just about earning more money, or does it go deeper? The Bible teaches that true financial freedom isn’t just about wealth — it’s about stewardship, faith, and generosity.
In this article, we’ll explore the top 3 money habits that financially free Christians practice every day. These habits don’t just help them manage money better; they align their finances with God’s principles, leading to lasting peace and provision.
Top 3 habits of Financially Free Christians
1. They Put God First in Their Finances
Tithing and Trusting in God’s Provision
Financially free Christians understand that everything they have comes from God. Because of this, they make it a priority to give back to Him first through tithing.
Proverbs 3:9-10 – “Honor the Lord with your wealth, with the firstfruits of all your crops; then your barns will be filled to overflowing, and your vats will brim over with new wine.”
Tithing is not just a financial act — it’s a faith act. It reminds us that God is our provider, and when we put Him first, He takes care of our needs.
If you want to understand more about tithing – check out this article HERE, and also this video HERE which will give you more information.
The Habit of Cheerful Giving
Beyond tithing, financially free Christians also practice generosity. They know that giving is a blessing, and they give joyfully.
2 Corinthians 9:7 – “Each of you should give what you have decided in your heart to give, not reluctantly or under compulsion, for God loves a cheerful giver.”
By making giving a habit, they break the power of greed and cultivate a heart that mirrors God’s generosity.
2. They Live Below Their Means and Avoid Debt
Contentment Over Consumerism
One major difference between financially free Christians and those who struggle is their mindset about money. Instead of constantly chasing more, they focus on living within their means.
Hebrews 13:5 – “Keep your lives free from the love of money and be content with what you have, because God has said, ‘Never will I leave you; never will I forsake you.’”
They practice contentment and gratitude, knowing that true wealth isn’t about how much you have but how well you manage what God has given you.
Debt-Free Living
Financially free Christians are diligent to stay out of debt or work hard to pay it off quickly. They understand that debt can be a burden that limits their ability to give and serve freely.
Proverbs 22:7 – “The rich rule over the poor, and the borrower is slave to the lender.”
By managing their spending wisely and saving for the future, they avoid the stress and bondage that debt can bring.
3. They Invest and Multiply Their Resources Wisely
The Principle of Multiplication
Financially free Christians don’t just save money — they make it work for them. They follow the biblical principle of multiplication, using wisdom to invest and grow their resources.
Matthew 25:21 – “His master replied, ‘Well done, good and faithful servant! You have been faithful with a few things; I will put you in charge of many things. Come and share your master’s happiness!’”
They look for opportunities to invest in ways that align with their faith, whether it’s through businesses, real estate, or other income-generating opportunities.
Building Wealth for a Greater Purpose
Their goal isn’t just financial success — it’s financial impact. They seek to use their wealth to bless others, support Kingdom work, and leave a lasting legacy.
Proverbs 13:22 – “A good person leaves an inheritance for their children’s children, but a sinner’s wealth is stored up for the righteous.”
By wisely managing and multiplying their resources, they ensure that their finances serve God’s purposes, not just their personal desires.
To discover more about what it means to leave a lasting legacy, check out this video HERE.
FAQs About The Top 3 Money Habits of Financially Free Christians
What does financial freedom mean for a Christian?
Financial freedom for a Christian means having the resources to provide for your needs, give generously, and follow God’s calling without being held back by financial stress or debt.
It doesn’t mean that every Christian is rolling in money and has a massive house and 5 luxury cars. I have personally known a few Christians who do have ALL these things, but are racked with stress and guilt, and have NO freedom, because they are focusing on the wrong thing.
They have a gifting for handling and making money, but they haven’t focused that God-given talent towards the Kingdom of God, and therefore never fully live in the Freedom that He called them to.
Is it wrong for a Christian to be wealthy?
No! The Bible does not condemn wealth. What matters is how wealth is earned, managed, and used. Christians are called to be good stewards and to use their wealth for God’s glory.
To understand more about Stewardship, check out our course options, where we talk about that in depth – HERE.
How can I start practicing these money habits?
Start by putting God first in your finances, setting a budget to live below your means, and making wise investments. Seek guidance from biblical financial principles and trusted Christian mentors.
We have some FREE RESOURCES HERE that you can use to get started with your budget today.
FAQs About Biblical Financial Masterclass (BFM)
What is Biblical Financial Masterclass?
BFM is a bible-based financial course and coaching program that helps Christians learn biblical money management, wealth-building principles, and financial stewardship.
Who is this program for?
BFM is for Christian professionals, entrepreneurs, and families who want to align their finances with God’s word and experience financial freedom.
How can I get started with BFM?
You can visit HERE to learn more about our courses, coaching programs, and free resources that will help you grow in financial wisdom and stewardship.
Conclusion
The Top 3 Money Habits of Financially Free Christians:
- 1. They put God first in their finances.
- 2. They live below their means and avoid debt.
- 3. They invest and multiply their resources wisely.
- These habits are rooted in biblical principles and lead to lasting financial peace and freedom.
If you want to grow in your financial stewardship and experience God’s abundance, start applying these habits today!