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The Power of Habits. Good habits lead us down the road to success and accomplishment. If I want a healthy body, I need to develop healthy habits. If I want a healthy marriage, then I must develop good relational habits. If I want a healthy financial situation, then I can develop healthy financial habits. Statistics reveal that most Americans spend more than they earn, don’t save, and live life trying to manage debt. There is a better way. God’s Word teaches us to live differently. The Lord wants you to be the head and not the tail. He wants you to be the lender and not the borrower. Here are 8 Habits that will lead you toward a fresh start with your finances. 

1. I will acknowledge every day that God is my provider. 
My heavenly Father knows my needs and I trust him to provide. 
Hebrews 13:5: Keep your life free from love of money, and be content with what you have, for he has said, “I will never leave you nor forsake you.”

2. I will work honestly and “heartily,” because no matter what I do, I serve Jesus. 
Colossians 3:23–25: Whatever you do, work heartily, as for the Lord and not for men, knowing that from the Lord you will receive the inheritance as your reward. You are serving the Lord Christ. For the wrongdoer will be paid back for the wrong he has done, and there is no partiality.

3. When I receive money, I will honor God and give to him first. 
Proverbs 3:9–10: Honor the LORD with your wealth and with the firstfruits of all your produce; then your barns will be filled with plenty, and your vats will be bursting with wine.

90% with God goes a lot farther than 100% without God. 

4. After I give to God, I will give to myself and save.  

If I wait till all your bills are paid off to start saving, I will never save anything.  

Proverbs 21:20: The wise man saves, but the foolish man spends whatever he gets.  

5. I will keep good records. 

Proverbs 27:23–24: Know well the condition of your flocks, and give attention to your herds, for riches do not last forever; and does a crown endure to all generations?

6. I will plan my spending. 

Proverbs 21:5: The plans of the diligent lead surely to abundance, but everyone who is hasty comes only to poverty. 

7. I will set up a debt repayment plan 

If you’re in debt you have to plan how to get out of debt. Cancel cards, set up payment plans with lower interest. Talk to lenders and negotiate. Don’t ignore it, deal with it.  

8. I will commit it all to God and seek his power to bless my finances.  

Deuteronomy 8:3,17-18: And he humbled you and let you hunger and fed you with manna, which you did not know, nor did your fathers know, that he might make you know that man does not live by bread alone, but man lives by every word that comes from the mouth of the LORD. . . Beware lest you say in your heart, ‘My power and the might of my hand have gotten me this wealth.’ You shall remember the LORD your God, for it is he who gives you power to get wealth.’