Faith and Finances: Trusting God While Taking Bold Steps Toward Financial Freedom

Being a single mom comes with incredible responsibility—emotionally, spiritually, and especially financially. For many, the pressure to “do it all” while staying rooted in faith can feel overwhelming. But here’s the good news: God is deeply interested in both your spiritual well-being and your financial freedom.

In this article, we’ll explore how faith and finances go hand-in-hand, biblical principles to guide your money decisions, and practical financial strategies single moms can use to break free from lack and step boldly into abundance.

1. God Cares About Your Finances

Let’s be clear: God is not indifferent to your financial struggles. Scripture tells us:

“And my God will meet all your needs according to the riches of His glory in Christ Jesus.” – Philippians 4:19 (NIV)

This verse isn’t just about spiritual provision. It includes your material needs too. From Old Testament widows to New Testament believers, God has always shown up for those who trust Him in times of need.

As a single mom, your role as provider can feel heavy. But you don’t have to carry the weight alone. God promises provision and direction when you seek Him first (Matthew 6:33).

2. Faith is Not a Substitute for Financial Wisdom

Faith without action is dead (James 2:17). Praying over your bills is powerful, but budgeting wisely, cutting expenses, and increasing income are also acts of faith.

The widow in 2 Kings 4:1-7 is a perfect example. She cried out to the prophet Elisha for help. Instead of handing her money, God gave her a strategy: use what’s in your house, pour out the oil, and sell it to pay her debts. Her miracle came through obedient action.

💡 Key takeaway: God often answers prayers through strategies, not handouts.

3. Biblical Principles for Financial Freedom

If you want to break the cycle of living paycheck to paycheck or relying on assistance, here are four biblical principles that form the foundation of financial freedom:

🟣 Stewardship

“Moreover, it is required of stewards that they be found faithful.” – 1 Corinthians 4:2

Being a steward means managing what you have with care, even if it’s little. Create a budget. Track your spending. Know what’s coming in and going out. Stewardship isn’t about how much you have; it’s about how well you manage what you’ve got.

🟣 Diligence

“The plans of the diligent lead surely to abundance.” – Proverbs 21:5

Diligence includes work ethic, discipline, and planning. Whether you’re working full-time, running a side hustle, or managing your household, your effort matters. Abundance follows focus and consistency.

🟣 Contentment

“But godliness with contentment is great gain.” – 1 Timothy 6:6

Contentment doesn’t mean settling for less. It means being grateful while still believing for more. When you stop comparing your life to others, you create space to appreciate what God is doing in your own journey.

🟣 Generosity

“Give, and it will be given to you…” – Luke 6:38

It may seem counterintuitive when money is tight, but giving, whether tithes, offerings, or acts of kindness, activates spiritual laws of increase. Giving from a place of faith invites divine multiplication.

4. Practical Financial Strategies for Single Moms

Faith fuels you, but strategy sustains you. Here are practical ways you can take control of your finances while trusting God for more:

✅ Create a Budget That Reflects Your Values

List all sources of income and all monthly expenses. Use a simple budgeting tool (or grab a free She Believes Budget Planner). Make sure tithing, saving, and investing in your future are part of the plan.

✅ Build an Emergency Fund

Start with $100, then aim for $500, then 3 months’ worth of expenses. This gives you peace of mind when life throws curveballs like car repairs or medical bills.

✅ Start a Side Hustle Based on Your Skills

Think of what’s already in your hand: Are you good at baking, writing, crafting, organizing, or helping others with admin tasks? Offer those services on platforms like Fiverr, Upwork, or even Facebook Marketplace. (Remember the widow’s oil!)

✅ Use Apps to Track and Save

Use financial tools like Mint, YNAB (You Need A Budget), or even the cash envelope system to stay on track. You can also try roundup savings apps that automatically save spare change from purchases.

✅ Get Educated About Money

Read books like The Total Money Makeover (Dave Ramsey), Smart Money Smart Kids (Rachel Cruze), or Rich Dad Poor Dad (Robert Kiyosaki). Take a free online course on financial literacy. Knowledge is part of the breakthrough.

5. Speak Life Over Your Finances

Your words carry power. Instead of saying, “I’m always broke,” try:

• “I am a faithful steward, and God is increasing me.”

• “My income is growing as I follow God’s direction.”

• “I live in overflow, not just survival.”

Declare these truths daily. Let your mouth agree with God’s Word, not your circumstances.

6. Your Journey to Freedom Starts Today

You don’t need a windfall to start walking in financial freedom. You need faith, wisdom, and a willingness to act. Remember, the journey of the widow began with just one jar of oil, but her obedience unlocked supernatural provision.

God is not just your Provider. He is your Partner. Invite Him into your financial journey, and then take the next bold step toward the future He has for you.

💬 What’s Next?

Ready to take action?

🔹 Purchase your Faith-Based Budget Planner
🔹 Subscribe for weekly tips on faith & finances for single moms
🔹 Join the She Believes and Thrives Financial Empowerment Group on Facebook

Let’s break cycles, build legacies, and walk boldly in the financial freedom God has already promised. ✨