Do you have a difficult time saving money? Do you find yourself constantly having to rob your saving account to get through an emergency? You're not alone. The personal saving rate over the past few months has taken a nose-dive. Inflation has been a big factor, but it's hardly the reason for Americans’ historical lack of savings.

Christmas does not have to lead to debt and financial stress. Discover four practical, biblical ways to spend wisely, give generously, and keep your joy this holiday season.

Remember when you learned to drive? You had to concentrate constantly on your steering, the foot pressure on the accelerator, and how much pressure to apply when breaking while constantly scanning your mirrors. It took intense focus, and having a drivers-ed teacher, or worse, a parent continually watching and judging your performance, it's a miracle you got through it! But you did get through it. After years of learning and gaining experience, you've developed a routine, a habit, that makes driving easy. The same can be true about developing good money habits.

Christianity doesn’t insulate you from worldly problems. Most Christians, if asked, would say they agree with that statement. Yet, when faced with difficult situations, we act as if something bizarre and unexpected is happening to us. Some of us even go as far as questioning God’s faithfulness towards them, especially when faced with financial hardships.

Borrowing is not automatically wrong, but it is always a serious obligation. Learn how biblical wisdom, prayer, margin, and careful planning can guide decisions about debt.