Yes, of course God cares about things like this. He loves us, and He is concerned about everything that concerns us—including the way we use (or misuse) our money.

The Bible actually has much to say about our money and how we ought to use it. It points out, for example, that no matter how rich or poor we are, we should use our money wisely and thoughtfully. We also must guard against using it only to satisfy our selfish desires; instead, we should use it to meet our needs and the needs of others. The Bible reminds us that everything we have comes ultimately from God—including our money. As King David prayed, “Everything comes from you” (1 Chronicles 29:14).

Have you ever asked yourself why you get in this predicament every year? One reason is because you don’t take practical steps to limit your spending. Next Christmas set a realistic budget before you ever buy even one gift—and stick to it. Examine your motives also; avoid buying gifts just to impress others or make them like you.

But don’t wait until next Christmas to get control of your finances. Begin today by putting Christ at the center of your life. Then ask Him to help you see your money from His point of view, and take steps to establish a budget and pay off your debts. Remember the Bible’s warning: “The borrower is slave to the lender” (Proverbs 22:7).

Let Christ rule your finances—and your life.