Does your money control you?

“A budget is telling your money where to go, instead of wondering where it went.” John Maxwell said it first and said it best.

Some of you may answer this question as “Yes”, but most of you would answer “No”.  Let me elaborate on this question, does your money really control you?   This money question would show the true priority of your life.  It’s either you control your money or otherwise.


Does it make sense? Being controlled by money is something personal. But how can you really say that you are being controlled by money? I think some of the factors that you can consider are excessive use of credit cards on shopping, lavishing yourself from expensive apparels that you tend to forget to secure the following:

Filipino Decision Making
  • Emergency Fund
  • Accidental Fund
  • Educational Fund
  • Retirement Fund
  • Income Protection

I have loved this quote,

“tell me where you spend your money and I will tell your priorities”

– James Frick.

When I started my family, I thought I had all that it takes to facilitate my finances, until I learned about being controlled by money one of my first few years of being married.

In order to best answer these questions, I have listed the bible verses that struck me in managing my finances. I hope it will help you and if it does, please feel free to put your comment below.

According to The Art of Management Inc published here are some of the symptoms that money is controlling you:

10 Signs Money Is Controlling You:

  • You constantly worry about having enough money
  • You often wish you could buy more things
  • Your only goal in life is to get rich, but you have no realistic plan
  • You spend money to feel better
  • You blame others for your financial problems (government, spouse)
  • You judge people based on the amount of money they have
  • You take unnecessary financial risks and lose
  • Money controls your mood.

10 Signs You Are Controlling Money:

  • You decide what to buy, save for it and get it
  • You buy things that increase in value
  • You invest in yourself, such as more education or personal improvement
  • You keep your financial agreements
  • You have good credit
  • You pay your taxes
  • Each year, your earning power improves and financial worth increases
  • You use money as a tool to follow your dreams and reach your goals.

5 Ways to Control Money:

  1. Spend your money according to a plan.  Write a financial spending plan.
  2. Never spend more than you make.
  3. Stop wasting your time trying to get money without earning it (gambling, lottery tickets, etc.).
  4. Increase your productivity and improve the quality of your work.
  5. Make constant steady progress.  For example, make a monthly graph showing your total debts and total savings.  Make sure your savings go up every month and your debts go down every month, even if just a little.

Being Contented

Philippians 4:11-13 Not that I speak from want, for I have learned to be content in whatever circumstances I am. I know how to get along with humble means, and I also know how to live in prosperity; in any and every circumstance I have learned the secret of being filled and going hungry, both of having abundance and suffering need. I can do all things through Him who strengthens me.

Being Generous

1 Corinthians 13:3 If I give all I possess to the poor and surrender my body to the flames, but have not love, I gain nothing.

Luke 6:32-35  “If you love those who love you, what credit is that to you? Even ‘sinners’ love those who love them.  And if you do good to those who are good to you, what credit is that to you? Even ‘sinners’ do that. And if you lend to those from whom you expect repayment, what credit is that to you? Even ‘sinners’ lend to ‘sinners,’ expecting to be repaid in full. But love your enemies, do good to them, and lend to them without expecting to get anything back. Then your reward will be great, and you will be sons of the Most High, because he is kind to the ungrateful and wicked.

Proverbs 3:27 Do not withhold good from those to whom it is due, when it is in your power to do it.

About Debt

Romans 13:8 Let no debt remain outstanding except the continuing debt to love on another..

Matthew 6:24 No one can serve two masters, for either he will hate the one and love the other, or he will be devoted to the one and despise the other. You cannot serve God and money.


Proverbs 22:16 Whoever oppresses the poor for his own increase and whoever gives to the rich, both come to poverty.

James 5:4-6 Look! The wages you failed to pay the workers who mowed your fields are crying out against you. The cries of the harvesters have reached the ears of the Lord Almighty. You have lived on earth in luxury and self-indulgence. You have fattened yourselves in the day of slaughter. You have condemned and murdered the innocent one, who was not opposing you.

1 Thessalonians 4:6-7 and that in this matter no one should wrong or take advantage of a brother or sister. The Lord will punish all those who commit such sins, as we told you and warned you before. For God did not call us to be impure but to live a holy life.

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9 thoughts on “Does your money control you?

  1. I believe that in fact it is very difficult to manage money without overwhelming it, which is why your advice is very useful, it is worth noting.

  2. Managing money is a chore in itself and a great responsibility. I am glad though that I have taught myself to save and have already our emergency fund set in stone. With my savings skills, i’ve been able to allow us to go on vacations and buy things that we need and want.

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