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What are you saving for?

By Catherine Durant | 18 October 2017 | Comments (3)

Until fairly recently, I’d never deeply considered the concept of long-term saving. The idea of having money sitting in a bank not being used seems strange to me. I’ve saved for specific things, like travel or a new laptop, and thought about how I could try to use my money carefully or generously. But I’ve never really been in a position before where I’ve been able to just save generally for the future or in case of emergency, without an idea of how exactly I'd use it.


Unfortunately, whenever I think about saving I get an irritatingly catchy jingle in my head from a Donald Duck cartoon that my brothers and I over-watched as children. Throughout the episode, a musical money box sang the words: ‘Take my advice and do what I say, save a little money for a rainy day’… after hearing it hundreds of times, the point stayed with me. I understand that it’s sensible to save for the future, but when I don’t even know exactly what I’m saving for, it feels odd… Surely if I don’t need the money right now, then somebody that does could use it?


I’ve always loved the idea of harvest. In the past whole villages would save together - storing up stocks of foods to keep them going for the winter. The Bible definitely references the idea of provision for the future in this life, not just the next. Particularly in various Proverbs, like this one:


In the house of the wise are stores of choice food and oil, but a foolish man devours all he has. (Proverbs 21:20)


What I like most about those historic harvest scenes in films or on TV is when you see all the community working together, the land owners joining the peasants in the fields to gather in the grain, and everyone sharing in a celebratory meal together afterwards and thanking God.


This is probably an idealised portrayal of harvest, but when we read about the early church in Acts, we see the real deal – genuine community living on a far larger scale:


All the believers were one in heart and mind. No one claimed that any of their possessions was their own, but they shared everything they had. With great power the apostles continued to testify to the resurrection of the Lord Jesus. And God’s grace was so powerfully at work in them all that there were no needy persons among them. For from time to time those who owned land or houses sold them, brought the money from the sales and put it at the apostles’ feet, and it was distributed to anyone who had need. (Acts 4:32-35)


Personally, I know that the church family I grew up in was a massive support to my own family in times of financial trouble. But this Acts community shows radical generosity on a whole new level.


Not only were the apostles testifying powerfully about Jesus but the entire group was living with generosity at the forefront of their thoughts and actions. These believers did not see their possessions as an individual privilege to use as they liked, but willingly and eagerly offered them to others. And how did they manage this? Because they knew and understood God’s grace.


Sometimes I lose sight of the fact that absolutely everything we have is by God’s grace.  But I’m trusting that there’s more to life than just getting on the property ladder. And as much as I enjoyed it as a child, there’s more to giving than picking a couple of tins out of the cupboard to bring to a harvest service.


The conclusion I’ve come to is that while it’s sensible to save, whatever I have, I need to hold it lightly – not hoarding it, and sorting out my giving before anything else. When I save I want to be open to how God wants me to use it, which might be something for me, or might not be for me at all.




What’s your attitude to saving money? If you’re able, spend some time thinking and praying through how you can save sensibly.



Have you re-evaluated your regular giving recently? Spend some time reviewing it and asking God how you could give month-to-month.



It might be a long shot, but is there anything you own and don’t use which you could give away or sell and use the proceeds generously?


What can harvest teach us about living generously?

The 10 weirdest Harvest foodbank offerings

Closed hands and open hands

Catherine works in Content (which means mainly writing and editing) for Stewardship. She is happiest when making new friends or catching up with old ones, loves art in all its forms and anything French, especially cheese.


Campbell Ritchie

October 18, 2017 3:37 PM
Saving is encouraged frequently in the book of Proverbs. It may not at present be obvious what you are saving for, but I don't think that means simply building bigger barns. You have to allow for the fact that a rainy day will come, maybe in the form of illness, maybe something different, maybe (we hope definitely ;-) ) old age or similar. It is not just a case of saving so you can go on a round-the-world cruise when you reach retirement age, but to give you independence from the "generosity" of Governments. Or, for those of us who are married, in case our other half has to rely on the "generosity" of Government after our death.
And who knows what expenses or needs (other people's) will appear in the meantime when you will decide you have the wherewithal to help out.

And a question:
Should somebody go on about being now in a position to save long-term? Or should they consider saving long-term, even small amounts, throughout their whole working life?

Christopher Cobbold

October 19, 2017 9:30 AM
It's a great discipline to decide the amount you plan to give and to whom, and then set up standing orders or direct debits to go out on the 1st day of the month - ie just after your salary gets paid (if you are blessed to have income arrive in that way). That way you just get used to the level of post-giving income and indeed just think that is the money you have to live within. For me its just like I have no idea what tax I am paying - I only ever looked at the net figure on my salary chit to know what I had been paid. So I have never stressed about how much goes to the taxman! If your giving goes out the first of the month, you discipline yourself to look at what's in the bank on the 2nd day of the month and you know where you are, and you almost forget about what you have given, which is a good approach - it avoids pride or self-congratulation. After all we are only giving back to God what He has given us.

Campbell Ritchie

October 19, 2017 1:48 PM
That sounds a good idea.
Maybe you should go further, and organise all regular bills, gas, water, electricity, phone/internet, rent/mortgage, insurance premia, council tax, etc., to be paid like that on the 1st of the month.
I think it is worthwhile having short-term savings as well, if possible, so you can pay for a summer holiday, new wardrobe, car upgrade or maintenance, or Christmas presents, etc. Again pay by standing order/DD. It is better to save than borrow irrespective of your income.
One of the blessings in Deuteronomy 28 was, "you shall lend and not borrow..."

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