Where did all the money go?

Before we find the answer, let me congratulate you for surviving through January. ✨ It’s usually a rush. Bustling and burnout come with the first month of the year; it is as if the universe wants us to pay back for all the smiles and rest that came with December. Yet you survived through it all. Well done! 

Now, where did all the money go? All the Christmas bonus and new year cash gifts, where did it all go?  What was your plan at the beginning of January? It’s been more than four weeks already. Did you save or invest?

Why Should I Save?

It is wise to store up wealth (Proverbs 30:24-25). The truth is, if we do not plan, we allow every wind to sway us. They say you will fall for anything if you don’t stand for something. You would become a victim of many fast sales.

Planning is not only to keep you from spending out of budget. It is also to help you reach your desired goal (for those with goals). I am taken aback when I hear that someone cannot meet up with a financial obligation that they could foresee; some are even as long as 4 months away. My question is, what were you doing during that time? Emergencies come up; that’s a unique case. Cravings happen, that’s a stomach case, it is normal. The problem comes when you lose control. You completely let go of the reins and allow the cravings to pull you around.

Suppose one of you wants to build a tower. Won’t you first sit down and estimate the cost to see if you have enough money to complete it? (Luke 14:28) When you realize how much you have, shouldn’t you plan where it will go and how to raise what is left? You know you have to pay that rent in a month or year, yet you made no plan for it. Now the deadline comes and meets you on your knees, begging God to descend, calling it an emergency but is it?

Again I ask, what were you doing all that time? 

Wise people think before they act (Proverbs 13:16). Our tastebuds don’t have brains, so they can’t think. The brain in our head has to do the work. Calculate the cost and how much time you have towards that deadline and make definite plans to meet that target. That is what wise people do. They say if you fail to plan, you have planned to fail.

Oh and, the plans of the diligent lead to profit (Proverbs 21:5).

What makes saving difficult?

Dishonest money dwindles away, but whoever gathers money little by little, makes it grow. (Proverbs 13:11). Message translation says, “easy come, easy go, but steady diligence pays off.” 

So it might not be “dishonest” since you did not steal from anyone, but when the money comes easily(like an allowance or a cash gift), we tend to allow it to go quickly too. Because somehow you do not see it as your money, it was a cash gift, so you can give in to every craving, right? Wrong, because what you practice will eventually become you until you slowly empty yourself. You’d become a loose surface that nothing can stick to. 

He who buys what he does not need steals from himself. – Swedish Proverb. Before you buy, ask yourself, can I do without this? Can I still carry out my day-to-day activities without this? If the answer is yes, then walk away. If the money on you is already planned for, like saving towards something as important as rent, then don’t walk away, my dear. Run, flee!

You do not have a clear target. Don’t just say I’ll save or invest, put a price on it, a specific figure and a timeline. Have a picture of what you want to achieve. No one says you should kill yourself if you don’t meet the target. The point is to have a clear vision of where you’re headed because that way,  you can measure your progress at every stop. 

You think it is your money. If you are a Christian reading this, then you know about stewardship, right? That God is the ultimate owner of all we have. So, we are managers. It’s a privilege to be in charge of what you have. When you think this way, that you’re answerable to someone on how you spend, you start to cut loose your excuses on why you can’t save. And think of the bigger picture, lives around you that you’ll be able to help if you just cut back on your unnecessary spending.

How should money be managed?

Pay what you owe to others (James 5:4-6). This comes in two ways, the workers you have under you and the creditors you owe. What happens in Nigeria, in some states like Cross-River, is so bad. Why would you wait until the middle of the following month to pay someone’s salary? If you agree that this is not right, then when you have people working under you one day(or if you already have), remember to pay what you owe when it is due.

About the creditors; the people you owe, this tale is as old as time. People come with tears and wailing, lobbying better than any trade union. Your heart bleeds, your eyes shine with sympathy, and your pockets open innocently. You trust the sincerity until the payment date comes. The one who wailed now has a sneer fixed on their face, asking why you are being wicked by asking for what is originally yours. Nasty words here, gossip there, friendships sink to the bottom of the endless sea and all for what? Your inability to manage money.

Be accountable. Stop giving yourself excuses to go back on your goal. “I cannot come and kill myself” when you know very well that you are not anywhere near death. “I’ll start again tomorrow”  why not prevent “starting again”  by not stopping in the first place? 

Do not save what is left after spending, but spend what is left after saving. – Warren Buffet. In one word, prudence.

What happens if I don’t manage money well? 

You become a burden. Have you ever encountered someone who everyone is weary of? That one person that would call and no one wants to answer because they know you’re about to ask for urgent money again. 

Rainy days will drench you in life’s cold hard facts. Need I say more about this? I think not. 

No one is eager to help someone who has the means to help himself. No one wants to place something on nothing, so they’ll ask you,  “how much do you have.” What’s going to be your response? Because what you say determines how serious they’d take you and how prepared they’d be to help you. 

What happens when I don’t have money?

God clothes the grass of the field, how much more will he clothe you (Luke 12:28). With all the planning and prudence, unforeseen circumstances can throw you off. Life happens to us all, but that is not the end. 

Do what you have always done, your best, to ensure that things are in place. However, do not allow worry to overwhelm you or attempt to borrow to live that lifestyle you cannot afford. 

Plan, always plan. The fund is not there, but there might be one on the way that you know about, so plan. Before the money comes, decide where it is going. Be intentional and watch things become more organized.

Finally, mes cheries. Remember this at all times:

👉🏽Money is a tool. In the hands of the wise, it can do a lot and even multiply, but in the hands of the fool, it dwindles in seconds. 

👉🏽You are not too young to save or too far gone to take a u-turn in your spending habit. 

👉🏽Rome was not built in a day. Consistently take steps toward your financial goals, don’t give up!

👉🏽 Don’t be idle. Money does not grow like grass. It comes from hand work, skill or services rendered.

Do you want to know more about money? The tithe question, your money and greed, financial freedom, the genius of generosity, the secret of contentment and many more? Then check out the book, ‘You, Your Money and God’ by Tony Aloegena-Raphael.

That’s the end of this blog post! Thank you for reading. Remember to like, comment and share if you find it worth the read. Have a fruitful February ahead, and remember to be money-wise! 

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8 thoughts on “Where did all the money go?

  1. Everything now must be done wisely
    The word out there is spend wisely and I’d rather say save wisely
    Just like we save Nigeria and vote Peter Obi that is voting wisely too
    Thank you Prosper it’s a nice piece

    Liked by 1 person

  2. I love this. I just couldn’t stop reading till the end. It speaks so much wisdom. “save before you spend”.

    Thank you so much ❤️❤️❤️

    Liked by 1 person

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