The start of a new year is always a great motivator to improve your finances. It's one of the top goals for Americans each year and a worthy one considering the state of our economy, a looming recession, and the growing uncertainty of the future. Regardless of where you find yourself financially, these two components will ensure you succeed in managing your money well.

If you’re a regular consumer of our content, you know we’re passionate about Biblical stewardship and generosity. Our mission is to train and equip church leaders to teach Gods’ financial principles to their congregations. Why do we do this? Because money is a primary competitor with Christ for our heart and devotion. You really can’t serve two masters, and that’s why we exist; to help people understand this truth and not be deceived into living a life pursuing the wrong things.

Growing up, I recall the Christmas season being about giving. Everyone focused on buying something for their loved ones. Somewhere along the way, the notion that we should also treat ourselves to something special got thrown into the mix.

Spending is a typical daily occurrence for us today. The difference between our spending and people living one hundred or more years ago is that not all our spending is necessary for our survival. Modern inventions and industry have made it possible for us to get what we need quickly and at affordable prices. This progress has not only freed up more of our time, it's made surplus, having more than what's necessary to provide for basic needs, a reality for most people.