Step #1: Take Responsibility for Your Finances

Hey friends! I am kickin’ off this new series by starting at what I believe to be Step #1 when it comes to this whole thing of finances:

Take Responsibility for Your Finances.

I’m tired of young people complaining about not having enough money to pay their bills.

I think it’s a crying shame that it’s normal for teenagers to beg for money to go on mission trips! What happened to good ole’ fashioned summer jobs to save money?

And how about ADULTS (which everyone should be by the age of 18) expecting their parents to pay for their college? Ridiculous.

Let’s bring it a little closer to home…….I see no reason why ANY child or adult should not be responsible for their own cell phone. If you’re old enough to have one, you’re old enough to pay for it. Now I understand that some parents work out deals with their kids (or adult children) to exchange work for the cell phone bill. I’m not talking about that. I am talking about free loading.

We are a generation of financially irresponsible young people, and no one is exempt. If nothing else, we prove our financial irresponsibility by failing to plan and save for the future. It’s time for a change. We need to see the imperative necessity of knowing how to handle money well NOW.

It is time for young people, and that includes young women, to realize that their paycheck should not all be spent. First of all, they need to have a paycheck. Secondly, it needs to be budgeted and spent, saved, and given accordingly.

Regularly putting money into saving and investing is a habit learned through diligence.

Saving more than you spend takes self denial.

Being a generous giver isn’t automatic.

Getting up every day (instead of hitting snooze) to go to work takes discipline.

As we start this series, I want to challenge you:

Decide that you are going to be financially responsible. Today is the day. START NOW.

Do you want to have extra money on hand to be able to spontaneously give to others? Do you want to always have the money to pay your bills and only spend extra only when the money is in your budget? Do you want to save for the future? Do you want to be able to spend for special things that are important to you?

You can do all this and more, but I promise you it won’t be easy.

It’s going to take discipline, hard work, and good ole’ fashioned grit.

And if you’re a teenage girl thinking, “how can I save any amount of money when I make so little?” or a twenty-something wondering, “is it really possible to have this kind of financial freedom when I have so many bills to pay?”, let me encourage you with this:

You don’t have to make big money to save big money.

You have to have an iron will that you will be financially responsible whether or not you were taught or showed how.

You have to know that YOU ALONE determine whether or not you succeed.

And then, you have to be committed to the principles that will bring about that success.

I close with this quote, “There are not shortcuts to anywhere worth going.” -Beverly Sills


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  1. I am loving these posts, Allison. So good!!

    I have several friends from college who picked a major that was fun and they enjoyed, but is not great for employment opportunities. Now they’re having to pay back student loans, and they’re either struggling to find a job, or working in an area completely different than the one they studied. I’m not knocking higher education (I’m finishing up a masters degree, so clearly I’m embroiled in it 😆) but you have to be careful with what you chose to study, and where you go if you find that college is the right path for you. It very well could be an unneeded expense!

  2. I like your straight forward way of writing. You don’t sugar coat it, but you are still kind. 😉 Excellent words!! Speaking from a married womans perspective, learn to save money and how to spend it when you’re single. Your husband will appreciate it one day. 🙂

    1. Aww thanks for your kind words, Naomi! My goal is to speak the truth in love. And that is excellent advice- too many girls develop selfish, extravagant habit and then getting married is a culture shock!

    2. Naomi,

      You have said it best!


      Another married lady posting here.
      Posts like this are SO refreshing!
      I’m 33 (hope it’s okay for me to post here) and my generation is truly something that causes me to feel hopeless at times.

      Your advice is absolutely priceless and I will be sharing the link to this post.

      It is a message sorely needed these days.

      Blessings to you.

      1. Thank you SO much for the encouragement! I am so glad to hear that this strikes a chord and that those a few years older (and much wiser) than me feel burdened about it too. May there rise up young men and women that will apply themselves with diligence to wise stewardship for Christ’s glory and the good of their family and the world!

  3. This is SO SO good, Allison! Somthing I think everyone struggles with at some point in their life. (including me) Looking forward to more posts!


  4. As soon as I saw this email in my inbox I said “YES!” Thanks so much, Allison, this was really really encouraging. I tend to be a little lazy when it comes to this area of my life. Thanks for the wake-up call! 🙂

  5. Allison, every time you write something on here I am encouraged and inspired by it! Thanks for not only living godly for Jesus, but taking the time to share what He has taught you with others.
    Looking forward to hearing more on this subject…Any thoughts on how to keep a checkbook balanced? …I have struggled with this for awhile now…the worst part of it is, that I “know” the right thing to do, always write down what you spend, what you earn, ect. yet, time and time again I get behind in this area.
    20 But lay up for yourselves treasures in heaven, where neither moth nor rust doth corrupt, and where thieves do not break through nor steal:
    21 For where your treasure is, there will your heart be also
    Thanks again!!

I'd love to hear your thoughts!