Faith and Finances: How Christian Moms Can Steward Money Well
Money. For so many of us Christian moms over 45, just hearing the word can stir up a mix of emotions: stress, guilt, maybe even shame. We’ve spent decades giving, serving, and keeping the household running, but when it comes to managing finances in a way that feels confident and purposeful, many of us feel like we’ve fallen behind.
I get it, because I’ve been there.
My husband has worked tirelessly for over 25 years, and I’ve worn many hats: Army officer, property manager, entrepreneur, stay-at-home mom. But one of the hardest seasons I faced was realizing that, in my early 50s, I hadn’t stewarded our finances as well as I could have. That hit me like a wave of shame. Yet it also became a turning point. God reminded me that His mercies are new every morning, and even in finances, He redeems.
This is what I want to share with you today: managing money isn’t about chasing wealth, it’s about faithful stewardship, freedom, and impact.
God’s Perspective on Money
The Bible tells us in Psalm 24:1: “The earth is the Lord’s, and everything in it.” That means money isn’t really ours—it’s His. We’re simply stewards, entrusted with resources to manage wisely.
For years, I saw money only as bills, debt, and survival. But as I leaned into God’s Word, I saw that He has a bigger plan:
Generosity – Tithing and giving isn’t loss, it’s sowing into kingdom work.
Avoiding Debt – Proverbs 22:7 reminds us that “the borrower is slave to the lender.” Debt chains us, but freedom is possible.
Contentment – 1 Timothy 6:6 says “Godliness with contentment is great gain.” True wealth isn’t in stuff, but in peace and obedience.
When I shifted my mindset from ownership to stewardship, the weight of shame began to lift.
The Struggles Christian Moms Face with Money
If you’re a Christian mom in midlife, chances are some of these sound familiar:
You’ve lived on one income for years while raising kids.
You feel guilt for “not contributing” financially, even though managing a household is priceless work.
You’re looking at retirement, debt, or savings and thinking, “I’m behind.”
You’ve avoided facing money head-on because it feels overwhelming.
I’ve walked through all of these. I know what it’s like to sit across the table from my husband and confess, “We’re carrying more debt than I realized.” But I also know the healing that comes when you invite God into your finances.
Faith-Filled Steps to Steward Money Well
Here are simple but powerful steps that helped me and can help you, too:
Pray First – Before making financial decisions, pause and pray. Ask God for wisdom and peace.
Track Every Dollar – Awareness is the first step to change. Start writing down or using an app to track where your money goes.
Prioritize Giving – Giving back to God through tithes and generosity opens doors for blessing and shifts your heart from scarcity to abundance.
Create a Debt Plan – Don’t let shame keep you stuck. Start small—every step forward is progress toward freedom.
Build Assets Slowly – Whether it’s a savings account, rental property, or a digital business, assets grow when you’re consistent.
These aren’t quick fixes. They’re daily practices of faith and stewardship that add up to long-term freedom.
Connecting Finances to Purpose
Money isn’t the purpose—it’s the tool. When managed with faith, money gives you freedom to:
Say yes to passions you’ve put aside.
Serve your family and community generously.
Create digital income streams that relieve financial stress and allow you to live with impact.
For me, that looked like stepping into online business—sharing what I’ve learned, creating digital products, and helping other women do the same. What began as a small step grew into a way to steward both my gifts and my finances better.
Leaving a Legacy of Faith and Freedom
Stewarding money well isn’t just about paying today’s bills—it’s about the ripple effect it creates for generations to come. Legacy isn’t measured in the size of your bank account, but in the values you model, the faith you demonstrate, and the wisdom you pass on.
When your children and grandchildren look back, they won’t just remember what you bought. They’ll remember how you lived—how you trusted God in seasons of lack, how you overcame shame and fear around money, and how you managed His resources with grace and consistency.
Think about it: if your kids see you creating a budget, tithing faithfully, and building even small savings goals, they’re learning more than math—they’re learning discipline, faith, and stewardship. If they watch you walk through debt with honesty and determination, they’ll understand resilience and responsibility.
This is what it means to leave a legacy of faith and freedom. It’s not about perfection; it’s about modeling a life surrendered to God, where finances are tools for kingdom impact rather than chains of stress and regret.
And here’s the good news: it’s never too late to start shaping that legacy. Even one small decision today, whether it’s praying over your spending, tackling one bill at a time, or giving generously, can change the trajectory of your family tree.
That’s legacy. That’s freedom.
And that’s the kind of inheritance that will outlast dollars and cents.
Final Encouragement
Friend, if you’re staring at your bank account or debt and thinking it’s too late, I want to remind you: With God, it’s never too late. He redeems. He restores. And He equips you to steward money wisely at any age.
Take one small step today—pray, write down your spending, or simply thank God for what you already have. You’ll be amazed at how He meets you right where you are.
Your Next Step
To help you align faith, purpose, and finances, I created the Rediscover You Workbook. Inside, you’ll find journaling prompts, reflection exercises, and practical tools to help you rediscover your God-given gifts and take steps toward financial freedom.
👉 [Download your free Rediscover You Workbook here]
This is your season to walk in faith, steward your resources well, and rediscover who God created you to be.
