A God-pleasing attitude toward money

As I sit down to write this article, my oldest son is beginning his final semester of college. Our time of instructing him in our home is nearing an end. I’m pretty sure it was only yesterday that I took his little hand and led him into his kindergarten classroom, and today I am facing a bittersweet ending, a closing of a chapter in our parenting lives. On that fall day 16 years ago, and on the many days that followed, it seemed like our years of parenting would stretch on forever. It seemed like there were unlimited days left for teaching opportunities in our home.

So now I have a confession to make. In hindsight, one of those teaching opportunities that my husband, Thad, and I often failed to be intentional about was modeling a God-pleasing attitude toward money and possessions, and better yet—a focus on living out of gratitude for the Lord and all he’s blessed us with. We thank God that, in Christ, he forgives our shortcomings as parents!

Here are some important lessons that Thad and I have learned and are still working to teach in our home regarding our attitude toward money and possessions:

  • Everything we have—from the comfortable house we live in to the stray paper clip at the bottom of the junk drawer—is a “gift from above, coming down from the Father of the heavenly lights” (James 1:17). We are simply the blessed and undeserving recipients of these gifts. When we have that attitude, we start to view our possessions as a “privilege,” instead of a “right.”
  • We need to show our kids how to give sacrificially to God in response to all our blessings and verbalize why we give. As parents, we must model how to earmark the first portion of our income to support God’s work. It is a very intentional response to our blessings, and it serves others—and becomes more meaningful than just a few coins hastily shoved into the little Sunday school envelope five minutes before the service begins. (And yes, we did this.)
  • We need to model how to do an honest day’s work—for which we earn an honest wage. We can’t raise the next generation to do nothing and expect something in return. When we have to work hard for something, it carries a higher value.
  • Our value is not dependent on how much money we have in the bank or what brand of car we drive. Quite simply, our value is dependent on who we are in Christ. We are redeemed children of God, and nothing on earth is worth more than that.

Is it too late for Thad and me to teach our kids these lessons in our home? No. Although our boys are legally adults, they are still our children. We are still Mom and Dad, and it is still our number one responsibility to instruct them in God’s truth and in how to view our lives—and all we have—as gifts from a loving heavenly Father.

Christian financial training 101

Laughter. Uncontrolled. “The parents’ column wants you to write about teaching kids finances?” My wife’s question was punctuated by gasps for air. “Do they know you haven’t written a check in decades?”

When she regained her composure, I meekly asked, “Wife, would you help me write this article?” Thankfully, she agreed. Sharon’s tips are intended to start the conversation about the financial training of children.

Make use of teachable moments

“Can we go out to eat tonight?”

“No, Sweetie, we don’t have money in our budget for that.”

“Can’t we just go to the bank and get some more money?”

Use these teachable moments to talk about

  • your spending priorities (“We can’t afford that right now, but we are saving for it”),
  • getting the best deal (“Is the better buy at Amazon or Ebay?”),
  • judging quality in what you buy (“This coat is less expensive but will that more expensive coat last longer?”), and
  • resisting impulse buying (“Why do you suppose stores put candy and snacks next to the checkout?”).

Show your kids how you manage your finances.

“What are you doing, Mommy?” my daughter asked when she was in grade school.

“Paying bills, Honey. That check is for your school. This one pays for that new coat we bought you last month. But there are lots of bills I don’t have to write checks for. We pay for many of our bills with money that comes right out of our checking account. That’s how we pay to live in this house and how we pay for our car. But do you see that check over there? That’s the first one I write because I want to make sure there is always money for it. That’s our offering to Jesus.”

Explain to your children how you handle your finances.

  • Walk them through your family budget sheet.
  • Show them what happens when you scan your church’s QR code to make a donation.
  • Let them sit with you as you electronically transfer money between your savings and checking accounts or set up automatic withdrawals. Of course, keep passwords secure.
  • When they are in junior high, help them set up a joint checking and savings account with you. Monitor how they manage that responsibility.
  • Talk about the percentage of income you give to your church and other charitable organizations. Emphasize how God’s grace prompts you to be as generous as possible.
  • When money is tight, remind them that because Jesus is Savior, your Father will continue to care for you. Tell them family accounts of God’s providence.

James and Sharon Aderman raised three daughters and are now enjoying their eight grandchildren.

Contentment through the Spirit

Contentment cannot be taught. If it were that simple and easy, we’d all have it all the time. Someone would just teach us the logic of it and it would stick.

“Don’t you see,” we’d tell our kids, “contentment makes the same sort of sense as 1+1= 2.” And then they’d nod their heads in agreement won over by our irrefutable logic.

Pretty sure that’s not effective. Why? Because I know me. And I know my daughter. And if the Scriptures are true, I know you and your kids too.

If I’m going to tamp down the whirring, yearning, and chasing of my discontentment this Christmas, if I’m going to help my daughter do the same, there is only one force with both the consistency and the power to deliver. His name? The Holy Spirit.

He alone will allow me to walk past the Apple store without a second thought. He alone will allow my three-year-old daughter to walk past racks of Christmas toys without throwing a tantrum or convince her she’s alright without that additional Christmas cookie. That’s just honest.

Keeping that in mind, here are a few quick thoughts on unleashing the Spirit:

  • Unleash the Spirit on yourself. In the Word, you’ll find this incredible, mind-blowing God who has met every one of your most basic and most profound needs in totally overwhelming ways. Did I gush enough to make my point? The reality is that if we parents are not convinced we have everything we could possibly want or need in Christ, how could we possibly hope to share that same news with our kids? My daughter can smell a rat a mile away.
  • Unleash the Spirit on your child(ren). See above. Just think, it’s December! What better picture is there than that mangy manger for teaching the love and promises of God?
  • Live gratitude. Even shout it! I do, and I heartily recommend it. When I see another stunning Carolina crescent moon, my whole house knows about it (and who put it there!). Sometimes at dinner, I’ll very intentionally ask my girls, “What are you thankful for today?” We do that at bedtime, too. At the tender age of three, she sometimes has a hard time getting past the zoo, but—hey—I don’t mind asking her, “Are you thankful for Jesus, too? Why?” (Quick aside: if you want to feel joy after a tough day, do what I suggest and just watch your daughter’s eyes light up with gospel glow as she tells you about the God she’s learning to know. I’m telling you, there’s nothing better!)
  • Ignore, squash, or redirect discontentment. Pray for wisdom on which of those triggers to pull in which circumstance and then pull it. Don’t be afraid to let the Spirit convict through you. Whatever you do, don’t ever indulge it. The human heart is a bottomless pit. One more thing will not satisfy. Only Jesus does.
  • Finally, build these rhythms into your family life intentionally, practically, and concretely all the time. The human heart doesn’t magically heal from discontentment after December 25 rolls by. Before we know it, 2016 will drop in on us, and once again in the new year we will find our hearts in need of Holy Spirit-provided contentment. I am also delighted, however, to tell you that once again in the New Year you’ll reliably find the Spirit for yourself and your children in the words and promises of God.

Fostering contentment in children

One of the most remarkable things about my husband and his family is their overwhelming sense of contentment in the Lord. Their content attitudes have been such a blessing and example to me.

My husband and his siblings were raised in an openly Christian family in communist East Germany. They had very little in the way of material possessions and opportunities. How could people raised in such an environment become such content adults? Over the years I have discovered that there are some things that his parents did to foster this contentment. Although my children are in a country overflowing with opportunities and lavish excess, the example of my in-laws still applies as I seek to encourage contentment in my children.

My attitude. Contentment is born of thankfulness. Content believers know that everything is a gift from our heavenly Father. I can look to God’s Word regularly. I will begin to know the character of God. This amazing God is on my side. My responses to difficult situations or material wants can be filled with God’s peace. I can turn all of my life’s challenges over to him and obediently await his leading.

My words. I can intentionally talk about gifts—spiritual and material—from God. I can take time to thank God aloud. I can lead my family as we thank God for one another and the special qualities that each family member has. I can memorize Bible verses. Knowing God’s Words will truly change my heart. I must talk often about the greatest gift ever given—that of the Savior.

My time. I can enjoy Advent and Christmas worship with my children. Though it can be a challenge with small kids, I can enjoy extra opportunities for praise and worship.

I can take time to enjoy family devotions each evening. Our family especially loves to sing “Away in the Manger” together each night before bed.

I can focus on the people parts of Christmas—get-togethers, games, baking—rather than the present parts. We spend some time preparing gifts for others but try to keep it minimal because I want this to be a small part of our celebration.

I can serve. There are so many ways that I enjoy serving, and my kids can sometimes serve as well.

My actions. I avoid having my kids make Christmas lists. I usually recycle toy catalogs before the kids see them. This keeps our “gimmes” at a minimum. It has never really been a part of our celebration, so my kids don’t miss it.

We don’t buy, buy, buy. This is not easy and sometimes I fail, but I want them to see that we are good stewards of our money.

So much of parenting is modeling. We can use our words, but in the end it is what our children see that makes the difference.

Modeling contentment

In preparing to write about contentment, I issued myself a challenge. How long could I go without expressing my discontentment in any way? Well, I think I made it about 10 minutes. Sadly, it’s not in our sinful nature to be content. Every day on this earth is a battle as we examine our possessions, home, looks, situation and find them lacking in some way. There will always be someone out there who is healthier, richer, prettier, more successful than we are. How can we cultivate a heart of contentment in our children—and ourselves—in that environment?

The Bible gives some marvelous examples of godly contentment. Take the apostle Paul, for one. The self-proclaimed “worst of sinners” endured some things in God’s name that would send most of us packing. He lived through shipwrecks. Floggings. Hunger. A snake bite. Prison. Throughout all those situations, he “learned to be content whatever the circumstances” (Philippians 4:11). He even gently reminded Timothy, “If we have food and clothing, we will be content with that” (1 Timothy 6:8).

Does my family have food? Yes. And we often waste it. Does my family have clothing? You bet. So much that we often puzzle over our options of what to wear.

So, at this time of year in particular, how do we as Christian parents teach our children to be content “whatever the circumstances”? It might sound simplistic, but I believe it is critical for us to model godly contentment in our homes by what we say—and do. There are many ways to do this, but here are a few ideas:

  • Guard our tongues in how we speak about our circumstances. I’m ashamed to admit how often I have expressed discontentment in front of my boys. Our kids are listening and picking up on our attitudes—good and bad. How comforting that we can confess our failings to God and be reassured of his forgiveness.
  • Seek out situations where we can help others and learn to value our blessings. How impactful as a family to volunteer in a mission setting or help our kids donate their gently-used possessions to those who need them more than they do. These teaching circumstances will have a greater impact than just saying, “We are very blessed.”
  • Set aside the first portion of our earnings or chore money to give sacrificially to our church out of gratitude for God’s blessings. We can model that as God has abundantly blessed us, we, in thankfulness, should use our blessings to help advance the work of his kingdom.
  • At the dinner table or in the car, ask, “What are you thankful for today?” Big blessings or small, they are all a gift from our loving Father, bestowed upon his undeserving children. How humbling.

As a parent, I constantly have to remind myself that by being discontent with what God has given me, I am in effect saying, “God, you don’t know what you’re doing.” I pray for the strength to model for my boys that although God doesn’t always give us what we want, in his perfect wisdom, he gives us exactly what we need.