Financial Vision

by Joe Plemon on April 20, 2012

Our guest writer’s new book!

Where there is no vision, the people are unrestrained, But happy is he who keeps the law.” – Proverbs 29:18 NASB

This scripture is commonly used as a challenge to set goals and cast vision — it simply means that without some sort of revelation or vision, people run wild, doing what they want to do and saying what they want to say.   Those without vision are not bound to anything; anyone and anything can get them off track … they never, indeed,  had a track to begin with.

Do you have a financial vision?

When I think about Proverbs 29:18 in relation to our financial lives, I see that there is a direct correlation between having a financial plan or financial vision and getting too off track in your finances. If you don’t have an agenda for how you want to use your money, you will be subject to anyone else’s agenda. If you don’t create a plan for how you want to use your money, someone will. Maybe you will fall prey to the media’s attempt to advertise products you don’t actually need. Maybe you will be swindled by someone who tells you about a great investment that you just need to have. Maybe you will be taken by a phony nonprofit organization who begs for money for their non-existent project. Who knows? You didn’t have a vision for how you wanted to use your money, and so maybe everything looks good.

Staying on track

Until you have created a vision for your finances, you are subject to everyone else’s agenda. It’s not about being slave to a plan, it’s about not being slave to everyone else’s plan for your money. You have nothing guiding you when you don’t have a plan in place. Have you ever had a goal that you were saving for? Remember how you would turn down certain things to spend money on because you knew that you were going somewhere? Maybe you saved up to buy your first house and had to say no to a few pairs of shoes along the way. Maybe you had to save money to go on vacation and had to forgo a few nights out. Or maybe you wanted to save up to start that business of yours and had to eat a few packs of Ramen Noodles along the way. Whatever it, was, you had a vision. And that vision restrained you. It kept you from getting too far off track. It kept you from not hitting your goal. And it was so sweet once you reached your goal, wasn’t it?

It felt good for me to walk into the furniture store and pick out a living room set, knowing that I didn’t have to buy it on credit. I had the money saved. I had a plan for how I wanted to use it. And that plan kept me from getting off track. And kept me from having to get into debt in order to reach that goal.

I encourage you today, to begin creating a financial vision for your money. If you don’t, someone or something else will.

I want to thank Shayna Lear for this guest post.  Shayna is a Certified Financial PlannerTrademark symbol and Chartered Financial Consultant with more than ten years of financial services experience. Presently she is enrolled in the Master’s in Divinity and Master’s in Economic Development programs at Palmer Seminary and Eastern University respectively.

Shayna’s new book Money on Purpose: Finding a Faith-Filled Balance promises to help you discover your own financial personality, and then learn practical and faithful strategies to restore a healthy and faith-filled balance to your financial life.  Give it a look!


{ 3 comments… read them below or add one }

Joe Plemon April 20, 2012 at 4:20 pm

Jenna — haha. Me too!


Carol@inthetrenches April 21, 2012 at 11:10 pm

Very good post for helping to maintain discipline and focus. I do think that the scripture goes beyond our personal goals and includes the visions only God can give. Examples: Joseph had the vision of 7 good years and 7 years of famine, Noah was aware the earth was going to be flooded and built an ark while others around him continued to do things as always, and in the new testament it spoke of the man who would pull down his barns and build bigger not knowing he would die that night. Goals are good, visions are from God.


Joe Plemon April 27, 2012 at 7:58 am

Well said, Carol. I confess that I hadn’t distinguished between personal goals and Godly vision. There IS a difference!


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