As Christians, we are called to be wise stewards of the resources God entrusts to us. Saving money is not about hoarding wealth, but about preparing for the future, providing for our families, and being able to give generously. The Bible offers guidance on managing finances with wisdom and integrity. Here are seven themes with corresponding scriptures from the New Living Translation (NLT) to help you understand what the Bible says about saving money.
Also Read: Bible Verses About Inflation
Wisdom in Saving
Saving money is a sign of wisdom and foresight. The Bible encourages us to plan ahead and be prudent with our resources. By saving, we can avoid unnecessary debt and be prepared for unforeseen circumstances.
Proverbs 21:20
“The wise have wealth and luxury, but fools spend whatever they get.”
Proverbs 13:11
“Wealth from get-rich-quick schemes quickly disappears; wealth from hard work grows over time.”
Proverbs 6:6-8
“Take a lesson from the ants, you lazybones. Learn from their ways and become wise! Though they have no prince or governor or ruler to make them work, they labor hard all summer, gathering food for the winter.”
Proverbs 10:4
“Lazy people are soon poor; hard workers get rich.”
Proverbs 30:24-25
“There are four things on earth that are small but unusually wise: Ants—they aren’t strong, but they store up food all summer.”
Planning for the Future
God encourages us to plan and prepare for the future. Saving money is a practical way to ensure that we can meet our needs and help others when opportunities arise.
Proverbs 21:5
“Good planning and hard work lead to prosperity, but hasty shortcuts lead to poverty.”
Luke 14:28
“But don’t begin until you count the cost. For who would begin construction of a building without first calculating the cost to see if there is enough money to finish it?”
Genesis 41:47-49
“As predicted, for seven years the land produced bumper crops. During those years, Joseph gathered all the crops grown in Egypt and stored the grain from the surrounding fields in the cities.”
Proverbs 27:12
“A prudent person foresees danger and takes precautions. The simpleton goes blindly on and suffers the consequences.”
Proverbs 24:27
“Do your planning and prepare your fields before building your house.”
Contentment and Trust
While saving is wise, it’s important to balance it with contentment and trust in God’s provision. We should not place our security in wealth but in God’s faithfulness.
Hebrews 13:5
“Don’t love money; be satisfied with what you have. For God has said, ‘I will never fail you. I will never abandon you.'”
1 Timothy 6:6-7
“Yet true godliness with contentment is itself great wealth. After all, we brought nothing with us when we came into the world, and we can’t take anything with us when we leave it.”
Matthew 6:19-21
“Don’t store up treasures here on earth… Store your treasures in heaven… Wherever your treasure is, there the desires of your heart will also be.”
Philippians 4:11-12
“Not that I was ever in need, for I have learned how to be content with whatever I have… I have learned the secret of living in every situation…”
Proverbs 11:28
“Trust in your money and down you go! But the godly flourish like leaves in spring.”
Generosity and Giving
Saving money enables us to be generous and support those in need. The Bible teaches that giving is a blessing both to the giver and the receiver.
Proverbs 11:24-25
“Give freely and become more wealthy; be stingy and lose everything. The generous will prosper; those who refresh others will themselves be refreshed.”
2 Corinthians 9:6-7
“Remember this—a farmer who plants only a few seeds will get a small crop… For God loves a person who gives cheerfully.”
Luke 6:38
“Give, and you will receive. Your gift will return to you in full—pressed down, shaken together to make room for more…”
Proverbs 19:17
“If you help the poor, you are lending to the Lord—and he will repay you!”
Acts 20:35
“You should remember the words of the Lord Jesus: ‘It is more blessed to give than to receive.'”
Also Read: Bible Verses About Budgeting
Avoiding Debt
Saving helps us avoid unnecessary debt, which can become a burden. The Bible warns against the dangers of debt and encourages financial responsibility.
Proverbs 22:7
“Just as the rich rule the poor, so the borrower is servant to the lender.”
Romans 13:8
“Owe nothing to anyone—except for your obligation to love one another…”
Proverbs 6:1-5
“My child, if you have put up security for a friend’s debt… Save yourself like a gazelle escaping from a hunter…”
Psalm 37:21
“The wicked borrow and never repay, but the godly are generous givers.”
Ecclesiastes 5:5
“It is better to say nothing than to make a promise and not keep it.”
Stewardship and Responsibility
God entrusts us with resources, and we are responsible for managing them wisely. Saving is part of good stewardship, ensuring we can meet our needs and help others.
1 Corinthians 4:2
“Now, a person who is put in charge as a manager must be faithful.”
Luke 16:10
“If you are faithful in little things, you will be faithful in large ones…”
Proverbs 27:23-24
“Know the state of your flocks, and put your heart into caring for your herds…”
Matthew 25:21
“The master was full of praise. ‘Well done, my good and faithful servant…'”
1 Peter 4:10
“God has given each of you a gift from his great variety of spiritual gifts. Use them well to serve one another.”
Trusting God’s Provision
While saving is wise, we must ultimately trust in God’s provision. He knows our needs and promises to provide for us as we seek His kingdom first.
Matthew 6:31-33
“So don’t worry about these things… Seek the Kingdom of God above all else, and live righteously, and he will give you everything you need.”
Philippians 4:19
“And this same God who takes care of me will supply all your needs from his glorious riches…”
Psalm 34:10
“Even strong young lions sometimes go hungry, but those who trust in the Lord will lack no good thing.”
Proverbs 3:9-10
“Honor the Lord with your wealth and with the best part of everything you produce…”
2 Corinthians 9:8
“And God will generously provide all you need…”