Our Finances Laid Bare: What is God Revealing?

Your Gift of Wonder Wonder is defined as “a feeling of surprise mingled with admiration, caused by something beautiful, unexpected, unfamiliar, or inexplicable.” What fitting words for the mystery of God’s love shown at Christmas. And yet sometimes that sense of wonder at the Christmas story can get squeezed out by the frenetic pace of life during the season. The endless responsibilities and tasks can leave little room in our hearts and minds to experience the wonder of God’s incredible gift. Yet, each time I read the Christmas narrative, I am captured by the wonder of it all and in awe of God’s unfolding plan. Scene 1 - Zacharias, in fulfilling his priestly duties before the Lord, is suddenly met by an angel. Despite his wife Elizabeth’s old age and years of longing and unanswered prayer, the angel declares the impossible: a son will be born to them - one who will be great in the eyes of the Lord. Scene 2 - Elizabeth’s cousin, Mary, is also visited by an angel, who tells her that, by the power of the Holy Spirit, she, a virgin, will miraculously conceive and bear a son. His name will be Jesus and He will be the Son of God. When Mary visits her cousin Elizabeth, the angel’s words are confirmed, and Mary’s spirit bursts forth in the Magnificat, proclaiming the greatness of God. Scene 3 -When the long-awaited night arrives, Mary gives birth to the Son of God in a lowly stable. Shepherds in fields nearby are suddenly surrounded in heavenly glory as an angel proclaims the birth of the Saviour, Christ the Lord. In an instant, a multitude of the heavenly host fills the sky, praising God and declaring, “Glory to God in the highest, and on earth peace, goodwill toward men.” The terrified shepherds were directed to the stable and found the baby Jesus wrapped in cloths and lying in a manger, making them the first witnesses and messengers of the Good News. Scene 4 - When later Jesus was brought to the temple in Jerusalem, Simeon - a just and devout man waiting for the Consolation of Israel - is prompted by the Spirit to enter the temple at just the right moment. Taking the infant Jesus into his arms, he proclaims in prophetic joy, “For my eyes have seen Your salvation, which You have prepared before the face of all peoples— a light to bring revelation to the Gentiles, and the glory of Your people Israel.” These scenes in the Gospel of Luke reveal a breathtaking sequence of miraculous events and angelic visitations - moments that reveal God’s glorious and unstoppable plan of redemption - changing the course of man’s history forever. Even writing this I feel a renewed sense of wonder. The Creator of heaven and earth orchestrating seemingly inexplicable, unimaginable and yet beautiful events inspire awe - not only in those who first experienced them, but also for us in the reading and retelling of the miraculous birth of our Saviour. The nativity story is filled with wonder. May you rediscover the holy wonder of this precious gift - the gift of His Son, given so that you and I might be forgiven, restored, and welcomed into eternal life with Him. 

Scripture: “Imitate God, therefore, in everything you do, because you are His dear children. Live a life filled with love, following the example of Christ. He loved us and offered himself as a sacrifice for us, a pleasing aroma to God.” ~ Ephesians 5:1-2 NLT Reflection: People often say that children resemble their parents in behaviour and attitude. In the Old Testament we see this truth in the genealogies - lists of names we might normally skim over. Yet they are there for a reason. Luke 3:23–28 records the lineage of Jesus, beginning with, “Jesus… the son of Joseph, the son of Heli, the son of Matthat…” While in Israel years ago, I heard an Arab guide explain that, in his culture, a man is identified through his father’s line: “the son of so-and-so.” This immediately places a person within a family, revealing both their lineage and heritage and, often, their character or vocation. Introductions begin with one’s name, followed by “the son of…” That thought made me pause and consider my own life - especially in how I manage money. As a follower of Christ, I have come to understand that all I have belongs to Him. I am simply a steward, entrusted to manage His resources wisely. One day, I will give an account of how I have done in this area. This truth challenges me to ask: does my stewardship reflect the heart of my Father? Our Heavenly Father is extravagantly generous with His love. He gave His only Son so that we could be restored in fellowship to Him forever. If that is His nature, then my life - my giving, my generosity, my use of resources - should mirror that same open-handed expression of love. Could it be said of me by others - “He behaves just like his Father”? Reflection Questions: Does my generosity reflect that I am my Father’s child? In what ways can I more fully reflect His heart through the way I give and steward what He has entrusted to me? Closing Prayer: Father, thank You for Your extravagant love and generosity. You gave everything so that I could be Yours. Teach me to reflect Your heart in how I give, spend, and bless others. Help me to live as Your child—faithful, generous, and full of love. May my life point others to You. Amen.

“Now listen, you who say, ‘Today or tomorrow we will go to this or that city, spend a year there, carry on business and make money.’ Why, you do not even know what will happen tomorrow. What is your life? You are a mist that appears for a little while and then vanishes. Instead, you ought to say, ‘If it is the Lord’s will, we will live and do this or that.’ As it is, you boast in your arrogant schemes. All such boasting is evil.” ~ James 4:13 - 16 Reflection: A recent death, expected or not, reminds you of the brevity of life here on earth. The familiar expectation of growing old and enjoying the later seasons of life takes on new weight when we are reminded that our time here can be cut short without warning. This sobering reality invites us to reflect more deeply. Is there more to life than the daily grind - working endlessly, earning money, paying bills, and repeating the cycle? Is the goal simply to accumulate more things and set aside enough for a comfortable retirement? Perhaps we’ve been asking the wrong questions. What if, instead, we asked the Lord what He desires for our lives while we walk this earth? Could it be that He has greater purposes for us - plans we have yet to discover, let alone fulfill? Have we even invited Him into that conversation? From the beginning of creation, God has called us to steward what He has placed in our hands. Our gifts, talents, and resources are not random - they are identifiable if we take the time to notice and reflect. This calling to stewardship has never been revoked. The truth is, we do not know how much time we have left on this side of heaven to accomplish what God has asked of us. That reality should cause us to pause and consider: Where are we investing our time, our energy, and our focus? If we lived with this awareness, might we walk out our life with greater intentionality? Might it change our choices and our actions? Life, unfortunately, often brings regrets. Some stay stuck in that space, never moving beyond past mistakes. Yet, God calls us to learn from those experiences - to grow, and to walk forward in wisdom. We are invited to mature through each season of life with the time we have been given. So, let us ask ourselves: If we knew we had only a few months - or a year - to live, what would we do differently? What would truly matter? I suspect our values would shift. Our focus would become sharper. We might let go of certain habits and invest in what (and who) really matters. Life is short, yes - but it is rich with opportunity when lived in step with God’s purposes. What we do with our time, energy, and resources matters - not just for this life, but for eternity. Reflection Question: If you knew you had only one year left to live, what would you change about how you are living today? What is one area where God may be asking you to shift your focus or surrender control? Closing Prayer: Father, teach me to number my days and live wisely. Help me not to take my time on this earth for granted. Forgive me for the moments I have lived self-reliantly, without seeking Your will. Show me how to live each day with intention, humility, and eternal perspective. May my plans be surrendered to You. May my work, relationships, and choices reflect Your heart and purposes. Help me not to waste the time You have given me. Lead me in wisdom and grant me the courage to follow where You lead. In Jesus’ name, amen. 

“And my God will meet all your needs according to the riches of his glory in Christ Jesus.” — Philippians 4:19 Reflection: We live in times that can feel anything but stable. The world is changing rapidly—conflict, natural disasters, and uncertainty fill our news feeds daily. It's easy to pause and ask, "God, where are You in all of this?" Anxiety and fear are increasingly common responses to the chaos around us. People turn to different things to cope: information overload, denial, disengagement, or distraction. Some grow weary, some grow reckless, and others simply try to keep going as best they can. But Jesus saw these days coming. He told His disciples in Matthew 24:6, “You will hear of wars and rumors of wars, but see to it that you are not alarmed. Such things must happen...” These are not comforting words at first, but they do offer clarity. Jesus did not want His followers to be surprised—or shaken. What is striking is that Jesus spoke these warnings with complete peace. He was not anxious, because He trusted the Father’s bigger plan. And He invites us into that same peace—not just as a comforting idea, but as a way of life. When the world is unstable, Jesus reminds us that God is our unshakable source. Not just of peace, but of everything we need—wisdom, provision, strength, and direction. Paul encourages us in 2 Corinthians 9:8: “ God is able to bless you abundantly, so that in all things at all times, having all that you need, you will abound in every good work. ” No matter the season, our God is not lacking. And if we are rooted in Him, neither are we. Reflection Question: Where do you turn when uncertainty rises? Take a moment today to ask God to realign your heart. Whether it is fear, stress, or financial worry, surrender it to the One who holds it all—and holds you. Closing Prayer:  Father, thank You that You are my source—of peace, of provision, and of every good thing. When the world feels uncertain, help me to remain grounded in You. I choose to trust You today, knowing You see the bigger picture. Let my heart find rest in Your presence. Amen.

Scripture: “Knowing that you were not redeemed with corruptible things, like silver or gold … but with the precious blood of Christ.” ~ 1 Peter 1:18–19 (NKJV) Devotional Thought: While spending time in God’s Word recently, I found myself reading Matthew 6 - a passage I have often turned to when discussing issues of money and materialism. This time, I read the entire chapter in one sitting, and it stirred something deeper in me. As I reflected, I saw how Jesus was speaking directly to the heart - not just about money, but about what we truly value. The people of that time were caught up in outward appearances - how they prayed, how they fasted, how they managed their finances, and how they presented themselves. These public figures set the tone for what society viewed as valuable and praiseworthy. But Jesus turned the focus inward. He taught that what truly matters is not external, but internal. It is the posture of the heart that determines our position in the Kingdom of God. So often, we evaluate our worth by comparing ourselves with others. We unconsciously create a hierarchy of value based on possessions, accomplishments, or influence. But Jesus dismantled all of that. He exposed the false narratives we tell ourselves - and those society reinforces - and called us to something far more enduring. Jesus invites us to a life of intimacy with the Father. In teaching the disciples how to pray, He revealed the depth of His relationship with God and extended that same invitation to us. Through this relationship, our hearts are transformed - filled with light, cleansed from darkness, and freed from the grip of materialism. When we root our identity in the Father, we shed the need for pretense, masks, and self-promotion. In that sacred space of prayer and communion, Jesus offers us a new kind of freedom - a freedom not tied to wealth or status, but to eternal worth found in Him. Reflection Question: Are there things in your life that you have valued more than your relationship with Christ? What might He be asking you to release today? Closing Prayer:  Father, thank You for loving me so intimately and for valuing me beyond what the world can offer. Help me to let go of the things that distract or define me falsely. Teach me to value what You value. I long to know You more deeply and to walk in the freedom that comes from intimacy with You. In Jesus’ name, amen.

“See then that you walk circumspectly, not as fools but as wise, redeeming the time, because the days are evil.” ~ Ephesians 5:15-16 I recently read a blog that pointed out a striking truth: no one, rich or poor, lies on their deathbed wishing they had more money, houses, or cars. What they long for is more time—time with loved ones or time spent on what truly matters. Ephesians 5 calls us to “walk circumspectly”—meaning with precision and care. To “redeem the time” is to rescue it from being wasted, to make it count. Time is one of our most precious, limited resources. As Christians, our desire is to walk closely with God and serve Him well. Yet we live in a world full of distractions—work, entertainment, sports, social media, and endless activity all competing for our attention. Paul’s words are strikingly relevant today: “the days are evil.” Most of us would not argue with that. His instruction is to walk wisely and intentionally. This applies to our finances. Some people neglect to think about how they manage their money, while others obsess over it. Neither extreme reflects the wisdom Paul calls us to. So, how do we walk wisely and carefully in this area? It begins with intentionality. Managing money well involves examining our motivations, beliefs, experiences, and habits. How do these align with God’s Word and heart? I encourage you to set aside time to sit quietly with the Lord—Bible, journal, and pen in hand—and reflect on your financial walk. Ask Him to reveal your heart. Here are some prompts to guide you: · Father, how do You see my heart in this area? Write down what He reveals. · Are there any behaviours that displease You? Confess and turn from them. · Are there lies I believe about money or provision? Confess, repent and ask Him to replace them with His truth. · Thank Him for what He’s entrusted to you, and ask for wisdom to steward it well. Paul's call is a reminder: time matters. How important it is now to understand how we manage our finances reflects our alignment—or misalignment—with God's heart. We can make course corrections. We can change our attitudes and beliefs. But ignoring this area means choosing foolishness—and that’s not the legacy we want. Time is moving forward. We have the opportunity to walk wisely, to be a blessing, and to be blessed. How will you respond?

“The heart is deceitful above all things, and desperately wicked; who can know it? I, the Lord, search the heart and test the mind, to give every man according to his ways, according to the fruit of his deeds.” ~ Jeremiah 17:9–10 These verses offer a sobering reminder of how easily our hearts can mislead us. God sees through our motives, thoughts, emotions, decisions, and behaviours. And despite knowing our inner struggles, He still holds us accountable—rewarding each person according to their actions. This truth gave me pause. Do I honestly examine my heart? Am I willing to see what truly drives me—my emotions, reactions, beliefs, and decisions? If I am being honest, there’s a part of me that resists letting the Holy Spirit examine certain areas of my life. Especially the area of money. Finances are tricky—layered, complex, and often hard to unpack. I suspect some of my beliefs and habits do not fully align with God’s heart for stewardship. And I do not think I am alone in this. Many of us carry unspoken assumptions about money, often without realizing it: · As long as the bills are paid, does it really matter where every dollar goes? · I give a lot—so what’s wrong with treating myself now and then? · Debt isn’t a sin, so why worry about it? · Credit cards and loans are just part of modern money management. · I have worked hard and now I get to lay back and enjoy it. · Do I really need to let anyone—God included—into how I manage my money? Not all of us wrestle with these exact thoughts, but if you are honest, what would the Lord say about your internal dialogue? How about the deep, hidden attitudes of your heart? One clear example is the prodigal son’s brother who refused to celebrate his brother’s return. He felt entitled to certain rights. He had been faithful, worked hard and was deserving of more attention. He could not appreciate his brother’s journey through pain and failure. His pride kept him from experiencing God’s real grace. He felt he gained acceptance only by doing his job. Are you truly at peace with where your money goes—into savings, spending, investments, retirement, tithes, or gifts? Some decisions may come from wisdom and care; others might be driven by pride, fear or complacency. Some of our beliefs lead to a sense of entitlement to certain rights. Reflection on each of these areas might prove fruitful. Hidden beliefs, motives and behaviours may come to light and facilitate some course adjustment. The good news? God is both just and merciful. He responds when we ask for help. He never gives up on us, and He gently teaches those who open their hearts to Him. With His guidance, we can reshape our beliefs, change our habits, and learn to steward what He has placed in our hands with integrity and a sense of contentment.

"As Jesus passed on from there, He saw a man named Matthew sitting at the tax office. And He said to him, 'Follow Me.' So, he arose and followed Him." ~ Matthew 9:9 Have you ever considered the makeup of the men Jesus chose as His disciples? Looking at their character, personality, and professions, many of us would likely reject them outright—too rough, not the right fit. But Jesus knew exactly who He was calling. Matthew’s calling stands out. As a tax collector, he was an outcast in society, hated by most. With the government's blessing, he extracted taxes from his own people, making him a figure of scorn. Yet, Jesus saw something in him. The call to follow Jesus wasn’t just a command—it was a connection. Matthew responded, recognizing his need for Jesus and Jesus’ need for him. Matthew immediately invited his friends to join him at the dinner table with Jesus. He knew he wanted them to meet this man. Matthew’s transformation began the moment he answered that call. Being with Jesus changes people. Mindsets shift, perspectives are altered, and old habits are replaced by new ways of living. The lives of the other chosen disciples were also radically altered forever. For Matthew, a former tax collector or customs officer, his life was defined by manipulation and exploitation for personal gain. But over time, Jesus’ love began to heal the wounds inflicted by others and dissolved the mistrust that once controlled him. His change was so profound that he went on to write a book of the Bible that told the story about this man who so changed his life. Jesus didn’t just change his heart; He also reshaped Matthew’s understanding and approach to money. What once drove him—greed and manipulation—was replaced by a new appreciation of the purpose and proper use of money. Matthew’s transformation started with a heart change, which then shifted his motivations and actions. No longer a taker but now a giver to all in need. Matthew’s journey mirrors our own. As we draw closer to Jesus, He begins to change our hearts. New truths emerge, transforming our thinking and our lives from the inside out. What once felt familiar and comforting can and will begin to lose its appeal. Perhaps there are areas of our own financial lives that God wants to transform—new habits, fresh perspectives, and opportunities to bless others. Why hold back when He can bring change to this crucial area of our lives?

“Here I am! I stand at the door and knock. If anyone hears My voice and opens the door, I will come in and eat with him, and he with Me.” ~ Revelation 3:20 Years ago, a friend shared a question she asked her son: If your life were a car and the Lord was traveling with you, where would He sit? Would He be behind the steering wheel, in the passenger seat, in the backseat, or in the trunk? Her son, honestly, replied that the Lord was in the backseat. I have heard similar questions asked, and responses vary. I suspect many people have not deeply considered such a question. Life moves on, and many go through their days without truly reflecting on the Lord’s presence, perhaps only thinking of Him on Sundays during church. For some, it might be as if He’s in the trunk—part of their life, but not central or meaningful. Others may be more aware of the Lord throughout the week, consulting Him occasionally when it’s convenient or necessary. These individuals might think of the Lord as sitting behind them in in the backseat. Then, there are those who clearly desire the Lord’s presence in their lives. They seek His guidance, believing He plays a vital role in their life’s direction. For them, the Lord sits next to them in the passenger seat, involved but not in complete control. Lastly, some have made the conscious decision to place the Lord fully in the driver’s seat of their lives. They have surrendered control, handing Him not only the keys but also the car, trusting Him with the direction and course of their lives. They have invited Him into every aspect of their being, recognizing His ultimate authority over them. The same can be said of how we manage our finances. Some acknowledge the Lord’s influence, but only marginally. Others may consult Him occasionally when making financial decisions, knowing He has something to say about money in His Word, but they still maintain control. However, there are those who understand that everything they have—finances included—belongs to the Lord. They recognize that He has full authority over how their money is spent, saved, and invested. They seek to be obedient to how He leads and directs every step of the way. They trust that He provides the increase or decrease as He sees fit, knowing His purposes are far greater than their understanding. This allows for them to experience His power and presence every day of their lives. He becomes more than an honoured guest. So, where have you placed the Lord in your financial discipleship "car"?