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Cultivating the Habit of Saving for Emergencies

Cultivating the Habit of Saving for Emergencies

A common struggle for families is inconsistent saving. Without an emergency fund, unexpected expenses force many into debt. But as Christians, we know trials will come. 1 Peter 4:12 warns us not to be surprised by “fiery trials” which test our faith.

Though the enemy tries us financially, God promises to deliver us from every affliction (Psalms 31:19). He gives us wisdom to prepare for challenges ahead. Part of this is stewarding resources to build contingency savings.

Most Americans live paycheck to paycheck, leaving them unprepared when crises hit. Surveys find many women worry about finances and lack adequate emergency savings. But Scripture urges saving for the future (Proverbs 21:20).

As God’s stewards, we should make saving a priority – especially for emergencies. Automatic transfers make this a consistent habit. Start with small amounts and watch your fund grow.

Emergency savings demonstrates faith in God’s care more than possessions. It prevents desperate borrowing that leads to bondage. Savings offers an alternative to debt.

With a contingency fund in place, trials become tests of trust rather than catastrophes. Handling emergencies wisely glorifies God and witnesses to His provision.

Take steps now to prepare for the certainties of life. Make savings an essential item in your budget. The habits you build today secure your stability for tomorrow.

In Christ,

Stephen H. Hammond



Stephen H. Hammond, president and founder of Christian Values Investing Inc., established the first “fee-only” Biblical responsible investment advisory firms in 1993 to help Christians align investments with their values and better manage finances from a biblical perspective. He graduated from Georgia Southern University with a finance degree and worked in the Investment Banking industry before joining Merrill Lynch in 1988. Stephen is a published author and speaker, a spirit-filled Christian who traces his faith heritage to preacher ancestors. In 2005, he established the nonprofit Covenant Financial Ministries to teach biblical stewardship principles and money management. Stephen has decades of experience in money management and financial planning. and serves with Kingdom Advisors and the National Association of Christian Financial Consultants. He has appeared on radio and television, spoken at churches, and authored books including Mission Possible: An Investment Guide for Christians and The Successful Life Manager. He married Angela in 1990, and has two adult children.

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