Visualize a story with me.

You are a few years into your career. Money is tighter than you would like, but God is providing. You are paying the bills, building a little margin, and learning what it looks like to make wise decisions with what you have.

Then, slowly, things start to change. Income rises (either slowly or more quickly). Life gets a little more comfortable. You upgrade a few things here or there. You sign up for the streaming services you used to share passwords for. You stop checking the bank app as often. You breathe a little easier.

And without ever saying it out loud, a new assumption sneaks in: when income rises, lifestyle rises. Otherwise termed: Lifestyle creep.

I’ve often said that contentment is one of the most powerful tools that one can have within one's financial toolbox. Why? Because it offers both spiritual and financial benefits (more on this below). Contentment is one of the best ways to steward and plan well, all while guarding your heart against the power of money.

The Christmas season is such a wonderful time of the year. On the surface level it’s filled with family, friends, food, rest, and gifts.

However, on a spiritual level it’s a time of preparation and celebration through, Advent, as well as the meaningful reflection on what the birth of Christ means to us.