It’s hard not to let money control you when money is so essential to our world and can even define what your world is.
We tell ourselves the 1998 clunker we’re driving is fine because we’re only in high school and we don’t need a sparkling new car to feel good about ourselves. We can live without power locks, power windows, or even just … power. Is it so wrong that we can only merge onto the freeway at speeds of 28 mph? Is it so wrong that when the cute boy stops by your car and wants to chat as you’re pulling out of the parking lot that you have to keep him waiting for five awkward minutes while you frantically hand crank your window down?
We tell ourselves we can paint our own nails and do our own hair for school formals to prevent having to pay $200 for a single event even though, if we were to be honest with ourselves, we know that we paint our nails about as well as a 4-year-old does and the only way we know how to make our hair “formal” is by parting it on the other side.
The stress of balancing missions giving with that awesome new movie that just came out with saving for college and needing the new CD everyone’s listening to or getting highlights because that girl in biology looks even prettier now can leave you feeling kerbobled (brand new word … take note).
Spending money isn’t bad. You just need to learn the right formula. Here’s what my dad taught me.
Save some: Whether it’s birthday money or a paycheck, pull a little aside and put it in your savings account. Someday you might need a new car. Maybe you’ll pay for books and a meal plan when you head to college. Maybe your youth pastor will present a missions giving challenge to your youth group and you’ll want to participate.
Saving is a good habit to develop while you’re young. There’s a little verse in the Bible that talks about that — “Whoever can be trusted with very little can also be trusted with much, and whoever is dishonest with very little will also be dishonest with much” (Luke 16:10, NIV). You’re proving that you can be a good steward of what God blesses you with.
Give some: First and foremost, tithe on your income. Believe it or not, God can still use the $10 you tithe from your part-time, low-paying summer job. Don’t underestimate God and the things He can do through your obedience.
Pray that your heart will be sensitive to what the Lord wants you to do with your money. You may feel prompted to give to a particular missionary that speaks at your church. Maybe you notice a girl who is hurting that you can bless by buying her a coffee and spending some time chatting about what’s going on. Maybe you buy an extra gift at Christmastime for an underprivileged family.
Spend some: Buy something you need. Mom and Dad may still be your primary financial providers, but show them that you’re stepping up to the plate of responsibility by buying your shampoo and conditioner the next time you run out or offer to start paying for your own gas now that you have a car.
Live some: Have some fun. While this action step is probably the one that gets the most teen girls in trouble, it’s still part of the formula. Don’t be such a tight wad that you can‘t live! Grab a milkshake after service with your youth group. Plan a girls night out and see that new chick flick. Plan a BBQ with a few of your friends and all chip in to bring something. Don’t let your junior high and high school years pass you by because you are so focused on saving every penny.
How can you implement this? Here’s something to start with:
Pretend your paycheck (after taxes) at your part-time job is $100 a week. Give 10% ($10) for tithes, use 20% ($20) for giving (missions pledge, offering, etc) and put 30% in savings ($30 a week adds up). That leaves you with $20 for spending money on practical things and $20 for spending money on “fun things.”
Depending on what phase of life you’re at (early – mid teens vs. soon to be high school grad) you might alter the formula slightly, but this at least gives you a place to start!