Category: Contentment

  • Giving on a College Budget: Start Before You Feel Ready

    Giving on a College Budget: Start Before You Feel Ready

    The other week, I was scrolling through Instagram when I saw a reel from a financial influencer I follow. Her advice stopped me dead in my tracks. Normally, she shares tips on budgeting and investing, showing us her budget breakdowns; everything from rent and food to “fun” expenses like eating out, makeup, Botox, and bi-weekly shellac manicures.

    But this time, she shared something that really made me think: she added a giving category to her budget. My first thought was, “Wait, she wasn’t giving before? If she could afford bi-weekly manicures and Botox, surely she could have afforded to be giving long ago!”

    It got me reflecting on a money masterclass I’d attended a couple of months ago, hosted by two women with over 450K followers on Instagram and a thriving membership program. The class covered budgeting in detail, yet giving wasn’t even mentioned. As I explored more financial influencers and programs, I realized this was a common theme…multiple people in the financial space who do not talk about giving.

    Here’s the thing: If you wait until you’re “making enough money” to give, you might never give at all, or you’ll delay it far too long.

    I get it! When I first started my career in Atlanta, I worked full-time and served tables on nights and weekends just to pay bills and my car loan (By the way, never get a car loan—it’s one of the worst financial decisions you can make!). During that time, I could barely afford to give more than $5 or $10 at church. My mindset was, “I can’t afford to give more right now.”

    Then, I moved to NYC. This included not only a raise in pay but also in living expenses. Once again, I thought, “When I have more money, I’ll give more.” But after a year of living in NYC and attending church regularly, I decided to take a step and be more consistent in my giving. While I didn’t give the full 10% the Bible recommends, I started giving 5-7% of my income each month. And you know what? I didn’t go broke. In fact, I still had enough to pay my bills, save, and invest.

    As I transitioned into a sales role and began earning commissions, my income increased, and so did my giving. However, I won’t lie. It took a long time for me to become a “cheerful giver” (2 Corinthians 9:7-8). Giving hurt at first. My natural instinct was to hoard my paycheck, saving and investing every penny.

    But here’s the lesson I slowly learned: When you trust God with your money, it shows that He can trust you in return. Even when it hurts and you’re unsure if you’ll have enough, giving proves your faith.

    So, my encouragement to you today is this: Don’t always follow the advice of every influencer or money expert. Instead, take small steps toward trusting God with your finances. It’s a journey, and the rewards, both financial and spiritual, are worth it.

  • Gratitude Over Gold: Finding Contentment

    Gratitude Over Gold: Finding Contentment

    It’s almost Thanksgiving—a much-needed break from classes, deadlines, and cafeteria food. You’re probably counting down the days until you can head home, sleep in your own bed, and enjoy a meal that doesn’t come from a campus dining tray.

    But between travel costs, holiday plans, and the end-of-semester stress, it can also be the time of year when your wallet feels a little light. Maybe you’ve checked your bank account and thought, “How am I supposed to be thankful when I barely have enough?”

    If that sounds familiar, take a deep breath—you’re not alone. And even more importantly, you’re not without blessings.

    Gratitude starts with what’s already in your hands

    Money feels important because it meets our needs—but gratitude reminds us that our needs aren’t only met through money. The Bible tells us,

    “Give thanks in all circumstances; for this is God’s will for you in Christ Jesus.” — 1 Thessalonians 5:18

    Notice it doesn’t say give thanks when you have plenty. It says in all circumstances. Gratitude isn’t about how much is in your bank account—it’s about recognizing that everything you have, from your education to your friendships to that slice of pumpkin pie, is a gift from God.

    When you practice thankfulness, something shifts inside you. You stop comparing, stop worrying, and start seeing how much you already have.

    What you do have is enough to start

    This season, instead of focusing on what’s missing, look for what’s already here. You may not have much money right now, but you do have opportunities, people who care about you, and a God who provides.

    Philippians 4:11–12 says,

    “I have learned to be content whatever the circumstances… I have learned the secret of being content in any and every situation.”

    That “secret” isn’t a budget or a side hustle—it’s contentment rooted in faith. When you start from gratitude, managing money becomes less about stress and more about stewardship. You can begin building healthy habits not because you’re desperate to “get ahead,” but because you’re thankful for what God has already entrusted to you.

    Going home: a blessing in itself

    As you pack your bags and get ready to head home for Thanksgiving, remember what a gift that really is. Time with family and friends is priceless. For many of us, home-cooked meals, laughter around the table, and familiar faces are things we only appreciate more as we get older.

    If your finances feel tight, let this be a reminder that the best parts of Thanksgiving don’t cost anything. Gratitude, peace, and love don’t come from what you buy—they come from the One who provides everything you need.

    A challenge for the week

    Before the holiday rush sets in, try this:

    • Write down three things you’re thankful for that money can’t buy.

    • Pray and thank God for the ways He’s provided this semester—even in small, quiet ways

    • Look for a way to share your gratitude with someone else, whether it’s a kind word, a text to a friend, or a handwritten note to your parents.

    Colossians 3:15 sums it up beautifully:

    “Let the peace of Christ rule in your hearts, since as members of one body you were called to peace. And be thankful.”

    This Thanksgiving, may you experience that peace. Even if your budget is small, your blessings are big—and gratitude is the key to seeing them clearly.

    Happy Thanksgiving from MoneyTalks—where we’re learning together to manage money with peace, purpose, and faith.

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