Biblical Financial Discipleship: Teaching Kids about Money -


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Biblical Financial Discipleship: Teaching Kids about Money

Introduction: Setting the Stage for Financial Wisdom

Money – it's something we all deal with in our lives, and it plays a significant role in our daily routines. From buying groceries to saving for the future, understanding the value of money is crucial. But how do we ensure that our kids grow up with a Biblical perspective on finances? How can we teach them the importance of stewardship, generosity, and financial discipline while keeping it engaging and even a tad humorous? In this article, we'll explore the world of Biblical Financial Discipleship and uncover some creative ways to impart these valuable lessons to our little ones.






Chapter 1: The Coins in the Couch Cushions

Picture this: you're cleaning your living room, and you reach into the depths of your couch cushions. Suddenly, you hear the delightful jingle of coins! While this might be a surprising find for you, for a child, it's like discovering buried treasure. The lesson here is simple: money is often hiding in plain sight.

Start by teaching your kids to keep an eye out for loose change. Encourage them to check pockets, sofa cushions, and even the laundry room floor. Create a family game out of it – whoever finds the most coins gets to choose the Saturday morning cartoon!

Connecting this to a Biblical perspective, you can share the parable of the lost coin from Luke 15:8-10. Emphasize the joy of finding something valuable and tie it to the concept of being good stewards of what God has given us.



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Chapter 2: The Marvelous Money Jars

Now that you've got their attention with a treasure hunt, it's time to introduce the concept of saving. Enter the Marvelous Money Jars – a creative and colorful way to help kids grasp the idea of dividing money into different categories: giving, saving, and spending.

Get three jars and label them accordingly. Whenever your child receives money, whether as an allowance or a gift, guide them to split it among the jars. A portion goes to giving, another to saving, and the rest for spending. It's a simple yet powerful method to teach budgeting.

Connect this to Biblical teachings by discussing passages like Proverbs 21:20 ("The wise store up choice food and olive oil, but fools gulp theirs down") and 2 Corinthians 9:7 ("Each of you should give what you have decided in your heart to give, not reluctantly or under compulsion, for God loves a cheerful giver"). Emphasize the importance of managing money wisely and giving generously.



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Chapter 3: The Great Lemonade Stand Adventure

Who doesn't love a classic lemonade stand? It's a rite of passage for kids, and it's an excellent opportunity to teach them about entrepreneurship and the value of hard work. Plus, it's a surefire way to make a few bucks – or, in this case, quarters!

Help your child set up a lemonade stand in your front yard. They can learn about budgeting (buying lemons, sugar, cups, and ice), marketing (making colorful signs), and customer service (smiling and being polite). Encourage them to donate a portion of their earnings to a cause they care about.

Tie this adventure to Biblical principles by discussing verses like Colossians 3:23 ("Whatever you do, work at it with all your heart, as working for the Lord, not for human masters") and 1 Corinthians 10:31 ("So whether you eat or drink or whatever you do, do it all for the glory of God"). Teach them that even something as simple as selling lemonade can be an act of worship and stewardship.



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Chapter 4: The Savings Game Show

Learning doesn't have to be boring – it can be as exciting as a game show! Create your own family "Savings Game Show" to teach kids about financial discipline. You can use play money, a spinning wheel, and quiz questions about budgeting, saving, and wise spending.

Incorporate Biblical wisdom by including questions about giving, tithing, and being generous. For example, "What percentage of your money should you set aside for giving according to the Bible?" (Answer: 10%, based on the concept of tithing).

This interactive approach not only makes learning fun but also ensures that the lessons stick. And who knows, you might have a budding financial guru in the making!



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Chapter 5: The Value of Hard Work - Chores for Dollars

Teaching kids the value of hard work and earning money is essential for their financial education. Connect this lesson to the Bible by referencing passages like Proverbs 14:23 ("All hard work brings a profit, but mere talk leads only to poverty") and 1 Timothy 5:8 ("Anyone who does not provide for their relatives, and especially for their own household, has denied the faith and is worse than an unbeliever").

Create a chore chart with age-appropriate tasks, and assign a dollar amount to each one. As your child completes chores, they earn money. This approach not only teaches them the value of hard work but also the importance of contributing to the family.






Chapter 6: The Tale of the Prodigal Piggy Bank

The story of the prodigal son from Luke 15 is a powerful parable that can teach kids about the consequences of poor financial choices. Adapt this story into "The Tale of the Prodigal Piggy Bank."

Set up two piggy banks: one labeled "Savings" and the other "Spending." Give your child a set amount of play money and let them decide how to divide it between the two piggy banks. Then, share the story of the prodigal son, highlighting the importance of making wise choices with our resources.

Discuss how the prodigal son squandered his inheritance but eventually realized his mistake and returned home. Emphasize the importance of saving and making responsible spending decisions to avoid financial pitfalls.



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Chapter 7: Money Talks – Family Budget Meetings

Incorporate your kids into the family's financial discussions by holding regular budget meetings. This might sound intimidating, but it can be a fantastic educational opportunity. Share with your children the family's income, expenses, and savings goals.

Discuss how the family makes decisions about spending and saving. Encourage your kids to ask questions and offer suggestions. This not only teaches them about budgeting but also instills a sense of financial responsibility and transparency.

To connect this to biblical teachings, emphasize the importance of stewardship and being responsible with the resources God has provided. Share verses like 1 Corinthians 4:2 ("Now it is required that those who have been given a trust must prove faithful") to reinforce the concept of responsible management.



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Chapter 8: The Mystery of Giving

Teaching kids about giving can be one of the most impactful lessons in financial discipleship. Create a "Mystery Giving" activity by setting aside a portion of your family's budget for charitable giving. Allow your children to choose a charity or cause to support without revealing the amount.

This activity not only teaches the joy of giving but also fosters empathy and compassion. It's an excellent opportunity to discuss passages like Matthew 25:35-36 ("For I was hungry and you gave me something to eat, I was thirsty and you gave me something to drink, I was a stranger and you invited me in, I needed clothes and you clothed me, I was sick and you looked after me, I was in prison and you came to visit me"). Explain how helping others is a fundamental part of our Christian faith.



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Chapter 9: The Power of Delayed Gratification

The ability to delay gratification is a crucial skill for financial success. Teach your kids about this concept by playing games like "The Marshmallow Test." In this experiment, children are offered a marshmallow but are told they can have two if they wait for a certain amount of time.

Use this as an opportunity to discuss the benefits of patience and delayed gratification. Connect it to biblical principles like Galatians 6:9 ("Let us not become weary in doing good, for at the proper time we will reap a harvest if we do not give up") to emphasize the importance of perseverance.

Chapter 10: The Epic Savings Adventure

To make saving money more exciting, embark on an Epic Savings Adventure with your kids. Set a savings goal for a big-ticket item they desire, such as a new bicycle or a video game console. Then, create a savings chart or thermometer to track progress visually.

Encourage your children to find creative ways to save money, such as skipping that extra candy bar or doing extra chores. As they watch the "thermometer" rise, they'll experience the satisfaction of achieving their goal through discipline and patience.

Relate this adventure to Biblical principles by discussing Proverbs 13:11 ("Dishonest money dwindles away, but whoever gathers money little by little makes it grow"). Teach them that saving wisely is a biblical virtue and a valuable life skill.

Chapter 11: The Bank of Heaven

Introduce the concept of an eternal perspective on money by discussing the "Bank of Heaven." Encourage your children to think beyond earthly riches and consider their actions in light of eternity.

Read passages like Matthew 6:19-21 ("Do not store up for yourselves treasures on earth, where moths and vermin destroy, and where thieves break in and steal. But store up for yourselves treasures in heaven, where moths and vermin do not destroy, and where thieves do not break in and steal. For where your treasure is, there your heart will be also.") and 1 Timothy 6:17-19 ("Command those who are rich in this present world not to be arrogant nor to put their hope in wealth, which is so uncertain, but to put their hope in God, who richly provides us with everything for our enjoyment. Command them to do good, to be rich in good deeds, and to be generous and willing to share. In this way, they will lay up treasure for themselves as a firm foundation for the coming age, so that they may take hold of the life that is truly life").

Teach your children that the most valuable investments are those made in service to God and others. Encourage them to seek ways to make a positive impact in the world and to store up treasures in the "Bank of Heaven."

Chapter 12: The Legacy of Financial Discipleship

As you conclude your journey of teaching kids about money with a Biblical perspective, reflect on the legacy you're building. Share stories of individuals who have used their financial wisdom to bless others and make a difference in the world.

Remind your children of the importance of passing on these valuable lessons to future generations. Encourage them to teach their own children about Biblical financial discipleship and the principles of stewardship, generosity, and financial discipline.

Wrap up with a family prayer, thanking God for the opportunity to learn and grow together in financial discipleship. Ask for His guidance in all financial matters and for the strength to live out the principles of wise money management.






Conclusion: Nurturing Moneywise Disciples

Teaching kids about money through the lens of Biblical financial discipleship is not only essential but also a rewarding adventure. By incorporating creative and engaging activities, you can instill valuable lessons about stewardship, generosity, and financial discipline while making the learning process enjoyable and memorable.

Remember that financial education is a lifelong journey. As you guide your children through the world of money, you're not only preparing them for a secure future but also equipping them to be faithful stewards of God's resources. So, embark on this adventure with enthusiasm, humor, and a sense of purpose, knowing that you're nurturing moneywise disciples who will carry these lessons with them throughout their lives.

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