Hey Friend!

So you’re going through some hard times financially, huh? Maybe you’re living paycheck to paycheck or you’re deep in debt or just lost your job? When we’re struggling with making money, paying the bills or (the bill collectors) it can be really easy to get discouraged, depressed or question your circumstances. I’ve been there. Being a missionary, starting creative businesses with my husband, working for churches, and living by faith in following the Lord has definitely led me through seasons of financial tightness in my life. I want to share with you how I’ve stayed (and continue to stay) encouraged and made it through seasons of financial lack and how you can too.

  1. Don’t Give Up: I know this sounds simple, but seriously don’t. You need to keep moving forward. If you lost a job, keep looking for a new one. What skills do you have? How can you make more money on the side? Listen to encouraging people and wisdom that will lift you up. Don’t listen to negative people or voices.
  2. Keep Giving: Give financially, but also relationally, spiritually, and emotionally. Don’t believe the lie that the more money you have the better you are. You can give a little or a lot. Be generous with what you do have and you’ll be surprised how over time more will come.
  3. Don’t compare to others: There will always be people who have more than you or less than you so keep your eyes on your lane and the Lord Jesus. Don’t beat yourself up or think you must be doing something wrong. Our wedding vows say “for richer or for poorer” because God knows we will have seasons of both in the course of our lives.
  4. Be content: Paul said he learned the secret of contentment whether he had a lot or a little. (Philippians 4: 11-13, ESV) “I can do all things through Christ who strengthens me.” No matter how hard it gets you can make it with strength.
  5. Know your budget and try to get out of debt: It really helps to know how much money you’re spending and making in tough times. See where you can cut back on expenses. Spend less. Do your best to pay bills and debts as much as possible.
  6. Get resourceful & learn: This is a great time to think outside of the box. What can you make or create? What new business idea can you get started on that you have been sitting on? How can you serve others with your own special gift? Learn about finances and business principles. Use what you have to create, invent, and share.
  7. Be thankful: Even in hard financial times there is always something to give thanks for. Do you have your health? Can you see and breathe? Do you have loving friends and family? Don’t lose sight on the many blessings God has given you even in this season. I can guarantee that you have something that someone else would be thankful for.
  8. Live on many prayers: Don’t stop praying, singing, and worship the Lord. Keep praying and trusting the Lord even in this season. Hard times come and  go. Know that you are still loved and blessed. God has great plans for you. Let Him teach you lessons in this time of  hardship and be encouraged.

How do you stay encouraged in difficult financial times?  

I’m going to leave you with the lyrics and video by Bon Jovi “Livin on a Prayer”.

Music is wonderful encouragement that can lift our spirits even in hard times!

This is a great 80’s song and great lyrics that are a great lift in hard times.

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Stay Radiant, Stay Beautiful!


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