Hey there, beautiful! Whether you’re single and thriving, married and juggling life, or somewhere in between, let’s talk about something we all deal with, money. I get it—finances can feel overwhelming, like that pile of laundry you keep avoiding. But here’s the good news: God’s got a plan for us, and understanding money basics can lead us to financial freedom—freedom to live generously, stress less, and trust Him more. So, grab your coffee or tea, and let’s dive into some practical steps—sprinkled with faith, a nod to tithing, and tips I’ve learned along the way.
Why This Matters to Us—and to God
Money isn’t just dollars and cents—it’s a tool God gives us to steward. As women, we face some real challenges: a 2023 Bankrate article noted we save less than half of what men do ($3,146 vs. $7,007 in 2022, per New York Life’s survey). Wage gaps, caregiving breaks, and longer lifespans mean we need to be intentional. But here’s where faith comes in: God promises to provide (Philippians 4:19), and He invites us to trust Him with our finances—starting with tithing. More on that in a sec!
Step 1: Know Where You Stand and Give God the First
Step 1: Know Your Money, Give God the First
Before anything, get honest about your finances—like a heart-to-heart with your bestie. Grab a notebook and jot down:
- Income: Paycheck, side gigs, anything coming in.
- Expenses: Bills, groceries, those cute shoes you couldn’t resist.
Review your spending—those sneaky app subscriptions or daily coffee runs add up! Dave Ramsey from Financial Peace University says, “You must gain control over your money, or the lack of it will forever control you.” So true! Now, the faith twist: start with tithing. Malachi 3:10 says to bring the “whole tithe into the storehouse” and watch God “open the floodgates of heaven.” Giving 10% off the top isn’t just obedience—it’s declaring God’s in charge. My husband and I started tithing when things were tight, and somehow, the rest always stretched further. Trust Him!
Step 2: Build Your Safety Net with Faith as Your Backup
Life throws curveballs—car repairs, medical bills, or that time my dog ate a Gogurt wrapper and ended up with a $1500 vet bill (true story). An emergency fund is your practical shield—aim for $1,000 to start if you’re single or paying off debt, and 3-6 months of expenses later if you’re married. A 2024 *DBS* article stressed this for women at every stage, suggesting 10% of income saved monthly. If that is too difficult, start with $15 – $25 a paycheck and continue from there. It may be a small start, but it will grow.
Here’s the thing: while we save, God’s our ultimate safety net. Psalm 46:1 calls Him our “refuge and strength.” Tithing reminds me He’s got me, even when the numbers don’t add up. It’s faith and action together—sounds cliché but when implemented you will see the fruits. I have so many times. The most recent example I have is when I took a break from working for about 4 months. I needed some time to really think about the direction I should take in my career and wanted to spend more time with my family. There was a huge deficit in our income but somehow God provided in ways I cannot describe.
Step 3: Tackle Debt Like a Boss and Free Up Room to Give
Debt can feel like a chain holding you back—student loans, credit cards, you name it. Let’s break free! Dave Ramsey loves the “debt snowball”: list debts smallest to biggest, pay minimums on all, and attack the littlest one with everything extra. Once it’s gone, roll that payment into the next. Years ago, we used this method to knock out credit card debt starting with the smallest amount and it was just motivating. And here’s the kicker: paying off debt frees you to give more—tithing, blessing others, living generously. Proverbs 22:7 says, “The borrower is slave to the lender.” Freedom from debt means freedom to serve God fully.
Step 4: Plan for the Future
Retirement might seem far off—whether you’re single and swiping or married with a house full of kids. But starting now is key. A 2023 *BMO* study showed only 53% of women feel confident about retiring on time (vs. 66% of men). Why? We often prioritize family over saving. If your job offers a 401(k) match, take it—it’s free money! No match? Try a Roth IRA (you can start with $50).
Single Ladies/Single Moms: You’re a Steward of His Gifts
Single Ladies! Financial freedom feels daunting, but it’s within reach with simple steps and faith. Track every penny for a month—for me, I was shocked how much I spent on takeout! Cook at home, it’s healthier too and save $20 a week in an online account like Ally. Soon, you’ll have a $1,000 emergency fund for car repairs. List debts small to big, tackle the tiniest first with extra cash (skip a $50 night out), and snowball payments as each clear. Pray over it all and make the tithe priority and you will see how God rewards you!
A big shoutout to single moms! Financial freedom might seem unreachable with kids and bills, but it’s possible with practical steps and faith. Use the budget steps I mentioned above—it’s your superpower to spot cash leaks. As a former single mom, I drowned in debt, clueless about finances because I lacked a mentor. Start small: cut back on fast food, save even $5 toward a $1,000 emergency fund for car breakdowns or braces. Look into WIC or childcare subsidies if you qualify. Don’t skip the 10% tithe and finally pray—Philippians 4:1 says God provides.
Married Women: Team Up Your Guy
Marriage is a partnership. A U.S. News piece said couples who share financial goals find peace. My husband has been a great leader in finances, and I use to fight against many of his suggestions but realized the wisdom that he had and due to his leading have experienced financial freedom. Whether it is a spouse or someone else- find a person who is financially stable and wise to help mentor you in this area. Recently, I read about something called “money dates” that I would like to start implementing with my husband. Basically, you can make dinner or have snacks, pray together over your budget and have healthy conversation about your budget and goals. It’s not sexy, but it’s sacred. Pooling resources can grow your giving and savings.
Bonus Tips from Me to You
– Automate it: Set up auto-transfers for savings and tithing—God gets His first, you get peace.
– Bonus Tips from My Heart to Yours
Learn from the Wise: Tune into voices who’ve cracked the money code. Here are some suggestions: Christian Financial Perspectives (for faith-first advice) Home – Christian Financial Perspectives, Kingdom Driven Entrepreneur Podcast (for purpose-driven tips) The Kingdom Driven Entrepreneur Podcast : Kingdom Driven Entrepreneur, and The Ramsey Show (for no-nonsense steps) Listen to or Watch The Ramsey Show – Ramsey. Small listens, big gains!
Automate It: Set up auto-transfers for savings and tithing. God gets His first cut, and you get peace of mind—win-win!
– Pray about it: Start asking God for wisdom with money (James 1:5), and HE will show up in crazy ways!
You’ve Got This—with God
In summary, financial freedom isn’t just about cash—it’s about trusting God and living free to say “yes” to His plans. Tithing keeps us rooted; these steps help us grow. Single or married, you’re not alone—He’s in it with you. So, what’s your next move? Drop a comment—I’d love to pray for you!
- Bankrate. (2023). Women Save Less Than Men—Here’s Why. Retrieved from https://www.bankrate.com
- New York Life. (2022). The New York Life 2022 Survey on Personal Savings. Retrieved from https://www.newyorklife.com
- Ramsey Solutions. (n.d.). Financial Peace University. Retrieved from https://www.ramseysolutions.com/ramseyplus/financial-peace
- DBS. (2024). The Importance of Saving: Tips for Women at Every Stage. Retrieved from https://www.dbs.com
- BMO. (2023). The 2023 BMO Retirement Confidence Study. Retrieved from https://www.bmo.com
- U.S. News. (2025). Couples Who Share Financial Goals Find Peace. Retrieved from https://www.usnews.com
- BibleGateway. (n.d.). Philippians 4:19. Retrieved from https://www.biblegateway.com
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