A Prayer for the Financially Challenged

“It is by grace we have been saved.” (Ephesians 2:5) 

Many of us feel the tight bonds of our budget each month. How do we have faith that God will provide for us when we’re struggling to keep our lights on, gas in our car, and our growing children in clothes that fit? What about the ache to reach out to others when we lack the means to do it, or having to tell our kids they can’t join their peers because the budget is maxed out? 

Every day we debate ourselves over what to spend our money on. When the incorrect choices we make affect our family, friends, and responsibilities, we can turn to God in prayer… trusting that He is not waiting to mound a side of guilt on top of our conviction. He is waiting help us and guide us… even through the mistakes we continue to struggle with. Use this prayer to confess your challenges with money and ask for God's help and wisdom!

Prayer for Finances

Father, praise You for saving us by Your indisputable grace. Nothing trumps Your just and loving hand. No poor decision we make, irresponsible purchase, or insurmountable debt can separate us from Your love. 

Paul reminds us in Ephesians that there isn’t anything we can do to gain or lose our salvation. The freedom Christ won us on the cross is what it is. Nothing we do or say can add or subtract from His sacrifice… or from who He is. 

Without a concrete Rock to stand on, we would drift along thinking that we somehow have the power to trump Your authority. Thank You for reminding us, through Your Word, that we do not. That You love us indisputably and always, whether we are precise accountants or frivolous spenders. You know who we are, and You know our heart’s intentions and our struggles. You are the only one equipped to balance and judge where we are at. You consistently say that we are Yours and remind us, through Your Word, of Jesus’ sacrifice for us. 

Father, we confess our financial challenges. In a society that lifts money up to such high importance, it’s extremely hard to battle our mind’s eye each day. Thank You for blessing us with money to spend, and help us to honor You with our choices. Forgive us for mindlessly buying things in dollar sections and store end-caps. Sometimes, there are things that we never knew we needed until the bright discount sticker catches our eye. Strengthen us in those moments to fight our impulses by yielding to the power of the Holy Spirit within us. 

Help us to see our finances through Your eyes. You have a purpose and plan for our lives, and every cent we’re blessed with to manage. Stir our hearts to seek Your counsel on everything from buying dessert to a brand new car. Urge us to seek You in Your Word, and prayerfully consider Jesus’ example on this earth. We confess that we don’t often stop to think about what You want for our wallet over what we want. When new trends are just a swipe of the credit card away, stir in our hearts to fight temptation. 

Jesus walked the earth simply, as a carpenter… without a flashy lifestyle. His miracles were something money couldn’t buy. Not then, and not now. God’s love and God’s plan look different for all of us, but His love does not rise and fall on a scale. He is everlasting, omnipotent, and sovereign. And He has chosen us. Created us. And called us good. 

Our purpose on this earth is to help others. Whether we struggle to part with our money, or have trouble accepting God’s generous blessing, help us to be laser-focused on our conversation with You. When we look around to compare our finances with others, it will always cause our hearts unrest. We don’t have the privilege of knowing people inside and out and from the moment of their creation like You do. We assume wealthy equals satisfied. But only Christ holds the key to all happiness. 

Whether we seek careers or possessions to heighten our visibility in society, none will ever satisfy or compare to Jesus’ love. Help us to follow Christ in our daily lives. Prayer is life changing, that You promise us. We lift up the bills that puzzle and scare us to You. Guide us, direct us, and equip us to trust You more and more in the daily direction of our financial lives. 

Thank You for providing for us, Father. Just the fact that we are skimming over these words is prove that You’ve provided for another day for us. Bless our finances, and help us to seek You first in everything, each day. In Jesus’ Name, Amen. 

How are you applying this Prayer for Finances to your life and spending? Comment below and recieve encouragement and support from our large praying community!

Meg Bucher writes about everyday life within the love of Christ on her blog, http://sunnyand80.org. “Mom” is the most important calling on her life, next to encouraging others to seek Him first… authentically. A dance mom, occasional substitute teacher, and youth worship leader, she can often be found having some kind of an adventure in the small little lake town she resides in with her husband of ten years, two daughters, and their doodle-dog.

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