Genesis 1:28 And God blessed them, and God said unto them, Be fruitful, and multiply, and replenish the earth.
Here in a nutshell, in the very first chapter of the Bible is a simple savings plan that will work for anyone who is disciplined enough to implement it. When God gave this instruction to Adam and Eve, it was not meant to be only applied to their offspring which would be born to them, but it also covered the material blessings that God bestowed, to be managed in a faithful manner that would engender perpetuity, as long as life should last. The savings plan begins with being fruitful or productive in whatsoever they were to do, from having babies to planting and reaping. Next they were called upon to find ways of multiplying the resources lent them by God, and finally they were to put back or replenish that which was used. When these three principles of operation are employed in any business, and even on a personal level, it then becomes very difficult for a person or corporation to go broke.
However, there are also Biblical methods which must be followed in the implementation of these three principles. Being fruitful or productive is accomplished in cooperation with God, who gives us the strength, the raw materials, the energy, and the wherewithal to produce and be fruitful, for nothing in this world is done without the help and input of God. For instance we are to plant seed and water the trees as they grow, nurturing and caring for them diligently, but after all is said and done, it's God who gives us the increase. Let's read:
1st Corinthians 3:6 I have planted, Apollos watered; but God gave the increase. 7 So then neither is he that planteth any thing, neither he that watereth; but God that giveth the increase.
Next comes the second phase of multiplying, and this is accomplished by a faithful return of our tithes and offerings, a basic plan that many Christians are yet to put in place on a consistent basis. When we return to God as He prospers us, then the windows of heaven are opened up, and copious showers of blessings, both spiritually and materially are poured out upon our heads, so that there is not room enough to receive them. This is the only scriptural way of multiplying material blessings. Let's read:
Proverbs 3:9 Honour the Lord with thy substance, and with the firstfruits of all thine increase: 10 So shall thy barns be filled with plenty, and thy presses shall burst out with new wine.
The last segment of the savings plan consists of replenishing that which we have used for various purposes. This last point is where many Christians often fall short, for in many cases we are found to be spending, or using up material goods, with no concrete plan in place to restore that which has been used. Every working person should have an emergency fund to take care of unexpected situations that arise from time to time, but on a day to day basis, the principle of replenishing should be consistently implemented, in order to avoid running into the red continously.
In other words, if we do not have a plan in place to replenish, then we should not spend if we can avoid it, for our inflows should not be allowed to exceed our outflows for any reason other than real emergencies, and even then, we should seek to get back on track with the plan of replenishing as soon as possible, lest we fall into the snare of the devil. God is very practical in the instructions He gives us, and wherever we have faltered in the administration of sound Biblical principles, He is willing and ready to forgive, and to help us to climb the ladder of success, for He desires that Christians be the head and not the tail. We therefore end with a passage of scripture which calls upon us to trust in God's wisdom, and system of doing things, for the instructions He gives us are for our best good, and the well-being of our children. Let's read:
Proverbs 3:5 Trust in the Lord with all thine heart; and lean not unto thine own understanding. 6 In all thy ways acknowledge him, and he shall direct thy paths.
May God add His blessing to the study and practice of His word. "Good night" and God bless!