Managing money can actually be fun
- Fun Money Habits
- Aug 8, 2020
- 5 min read
Updated: Oct 22
I know what you are thinking right now. Finances aren’t fun. YES, Managing money can actually be fun.
Perhaps you don’t like tracking expenses, are dreaded opening your bank. You’d pay the bills, swipe your card for coffee, grab a dress on sale, and by the end of the month wonder where everything had gone.
Maybe you know that cycle too—working hard, but never feeling like you’re ahead.
To be honest, I never overspent in wild ways. My challenge came from a scarcity mindset.
I believed there was never enough, and moving to a new country without being able to find a job only made it worse.
My husband’s income wasn’t enough for the two of us, and slowly, debt began to pile up.
On top of that, I grew up hearing things like, “Rich people are greedy” and “Good Christians shouldn’t care about money.” Those beliefs made me fearful of money and ashamed to want success.
But with God’s help, my husband and I paid off over $250,000 in debt in 5 years, saved six figures, and have been mortgage-free since 2018.
The shift didn’t happen because I suddenly became a budgeting expert. It happened when I stopped seeing money as the enemy, shifted my mindset, created a fun money routine and started seeing money as a resource God entrusted to us for His glory.
That’s why my clients call me the “Fun Money Coach.” I don’t just give people another spreadsheet—I help them transform how they think, feel, and behave with money through God’s Word.
If money still feels heavy for you, here are four ways you can begin to make it simple, life-giving, and yes—Managing money can actually be fun
Does that sound interesting to you?
It’s easier than you think, here’s how.
1. Have a Vision for Your Money
When money comes in, do you know what you want it to do?
I remember when we began our debt-free journey, every paycheck felt like a drop in the ocean. But the moment we set a clear vision—pay off debt, save, and give more—we suddenly had direction.
Proverbs 29:18 says:“Where there is no prophetic vision the people cast off restraint, but blessed is he who keeps the law.”
In context, Solomon is saying that when God’s people lose sight of His revealed Word, they live without restraint. The principle applies to money too—without God’s vision shaping our finances, we spend aimlessly.
Ask, “Lord, what do You want this money to accomplish in my life, my family, and Your kingdom?” Write it down and let your spending flow from that purpose.
2. Know Your Money Personality
One of my clients once said, “Raina, I’ve tried budgeting a hundred times, but I just can’t stick to it.” When we dug deeper, we discovered she was a spontaneous spender trying to force herself into a rigid planner’s system. No wonder she felt defeated!
I’m a planner, so tracking details energizes me. But maybe you’re more carefree, generous by impulse, or spontaneous. God made us with different tendencies, and knowing yours matters.
Don’t try to squeeze yourself into a “one-size-fits-all” plan. Instead, create habits that align with your wiring while still honoring God with stewardship. This way, money management feels natural—not forced.
3. Build a Strong Relationship with Money
For years, I felt anxious looking at our accounts. I thought we never have enough even with six figures. But the truth is, money wasn’t the problem—my mindset was.
1 Timothy 6:10 says:“For the love of money is a root of all kinds of evils.”
In context, Paul is warning Timothy about false teachers whose desire for wealth leads them into ruin. He is not saying money itself is evil but that loving and worshiping money leads to destruction.
God doesn’t want us to idolize or fear money, but to steward it. Once I began treating money as a tool instead of an enemy, everything shifted.
Now, I don't feel anxious during my money date—praying, tracking, and asking, “How can this resource serve the kingdom, bless my family, and bring joy?”
If you notice fear or negativity in your relationship with money, pause and ask: “What lie am I believing about money that God’s Word corrects?”
And if you want help walking through this, I’d love to talk with you. Book a free money mindset breakthrough call with HERE
4. Schedule a Money Date
This is where the “fun” comes in. Every week, I sit down for a money date. Instead of making it stressful, I turn it into something I look forward to.
Here’s what it looks like for me:
I pray for peace and focus.
I turn on worship music (sometimes I even dance first).
I pour a favorite drink.
I spend 10–15 minutes reviewing income, expenses, and goals.
Then I celebrate with chocolate, a good show, or reading.
At first, it may feel awkward to you. But over time, you’ll begin to associate managing money with joy, not dread. It becomes a form of self-care and stewardship.
The Bigger Picture: Stewardship
Here’s the truth:
You can’t pay off debt if you don’t know where your money is going.
You can’t save or give more if you never face the numbers.
You can’t build a sustainable plan if you keep avoiding your finances.
But when you face your money with God’s Word, shame loses its grip.
Deuteronomy 10:14 reminds us:“Behold, to the Lord your God belong heaven and the heaven of heavens, the earth with all that is in it.”
In context, Moses is reminding Israel that everything belongs to God—including the land they were about to enter. The same applies to us today: all money belongs to Him, and we are His managers.
Stewardship is worship. When we manage His resources with faith and joy, even money dates become a way of glorifying Him.
Ready to Take the First Step?
Managing money doesn’t have to feel heavy. With a clear vision, habits that fit your personality, a healthier relationship with money, and joyful money dates—you’ll see finances differently.
That’s why I created my free Fun Money Tracking Challenge HERE. It’s the perfect first step to shift from stress to confidence.
And if you’ve been avoiding your finances or self-sabotaging your business and finances, let’s talk. Book your free call HERE
I’d love to help you take back control with biblical principles and actually enjoy stewarding God’s resources.
Also, if you want to hear more about how my own journey began, listen to Episode 2 of the Fun Money Habits – Christian Mindset Podcast.
I am looking forward to hearing from you.
Take care.
Raina | Biblical Mindset Discipleship Coach AKA The Fun Money Coach
