Families decide how to earn, give, save, spend, and share what God has
provided. But when a family does not have clear financial values,
advertisements, emotions, comparison, and unexpected wants can begin
making those decisions for them.
A family money mission statement helps everyone remember:
“This is what our family believes about money, and this is how we have
chosen to use it.”
Creating one together can help children become wise, generous,
responsible, and faith-filled stewards.
What Is a Money Mission Statement?
A mission statement is a short declaration that explains what matters to
your family and how you plan to live.
A family money mission statement explains:
• What your family believes about money
• Who ultimately owns everything
• What financial values guide your decisions
• How your family plans to give, save, spend, and prepare
• What you want your money to accomplish
• How you hope to bless future generations
Your mission statement does not need to sound complicated. It simply
needs to reflect your family’s faith, values, and financial goals.
Why Does Our Family Need One?
Money can be used for many purposes. It can provide food, housing,
education, transportation, memorable experiences, and opportunities to
help others.
However, money can also create problems when people use it without
wisdom or allow it to become more important than God, character, or
relationships.
A family money mission statement gives your money direction.
Instead of asking only, “Can we buy this?” your family can also ask:
• Does this purchase agree with our mission?
• Are we taking care of our needs first?
• Have we remembered to give?
• Are we saving for our goals?
• Are we using money to strengthen our family?
• Will this decision honor God?
• Are we acting from wisdom or impulse?
A mission statement helps your family make decisions based on purpose
instead of pressure.
“For where your treasure is, there will your heart be also.” — Matthew 6:21
Begin With God
The first truth in a faith-centered money mission is that everything belongs
to God.
Our money may come through work, a business, an allowance, a gift, or
another source, but God is the One who gives us abilities, opportunities,
relationships, time, and resources.
When families remember that God is the true owner, money becomes a
responsibility to manage rather than something to worship.
You might begin your statement with:
• “Our family believes everything belongs to God.”
• “We will honor God with everything He entrusts to us.”
• “We will seek God’s wisdom before making financial decisions.”
• “Money is a tool that our family will use for God’s purposes.”
This foundation reminds everyone that financial success is not only about
how much money you have. It is also about how faithfully you manage it.
Choose Your Family’s Money Values
Values are beliefs that guide your decisions.
Gather your family and discuss which values are most important to you.
These might include:
Faith
We will seek God’s wisdom and use money in ways that honor Him.
Stewardship
We will take good care of what God has placed in our hands.
Generosity
We will cheerfully share with our church, community, and people in need.
Gratitude
We will appreciate what we have instead of constantly demanding more.
Contentment
We will not allow comparison to decide what we buy.
Responsibility
We will take care of our needs, bills, and commitments.
Saving
We will prepare for goals, emergencies, education, and future
opportunities.
Wise Spending
We will pause, plan, compare, and think before buying.
Diligent Work
We will develop our gifts, work honestly, and create value for others.
Family Unity
We will communicate respectfully and make important financial decisions
together.
Legacy
We will use money, wisdom, and opportunity to help future generations
flourish.
Ask each family member to choose three values that matter most. Look for
the values that appear repeatedly, then use them as the foundation of your
statement.
Decide What Your Money Will Do
A money mission statement should include action. It describes not only
what your family believes but also what your family plans to practice.
Consider these five important areas.
1. Give Cheerfully
Giving teaches children that money is not only for personal enjoyment. It
can also be used to worship God, meet needs, encourage people, and
make a difference.
Your mission might say:
“We will give cheerfully and look for opportunities to bless others.”
Children can participate by setting aside a portion of their allowance,
earnings, or gift money. Families can also donate food, clothing, school
supplies, time, or talents.
2. Save Consistently
Saving means choosing not to spend everything today because you are
preparing for tomorrow.
Your mission might say:
“We will save consistently for emergencies, meaningful goals, and future
opportunities.”
Children can save for books, toys, experiences, education, a first car, a
small business, or another family-approved goal.
Saving teaches patience, planning, and self-control.
3. Spend Wisely
Spending is not wrong. Families need to purchase food, clothing, housing,
transportation, and other necessities. They can also enjoy celebrations,
hobbies, vacations, and special treats when those choices fit within a
responsible plan.
Your mission might say:
“We will take care of our needs first and make thoughtful choices about our
wants.”
Wise spending includes:
• Creating a budget
• Comparing prices
• Waiting before making unnecessary purchases
• Avoiding emotional and impulsive buying
• Caring for what you already own
• Choosing quality and value
• Staying within your family’s limits
4. Earn Honestly
Money usually comes through work, creativity, service, and problem-
solving.
Your mission might say:
“We will work diligently, develop our God-given gifts, and earn money
honestly.”
Children can learn this value by completing responsibilities faithfully, doing
age-appropriate work, starting small businesses, or using their talents to
serve others.
The goal is not simply to “get money.” It is to create something valuable,
solve a problem, or help another person.
5. Build a God-Honoring Legacy
A financial legacy is what your family prepares and passes to future
generations.
It can include money and possessions, but it also includes wisdom, faith,
generosity, strong habits, business knowledge, education, and responsible
decision-making.
Your mission might say:
“We will build a legacy of faith, wisdom, generosity, and responsible
stewardship for future generations.”
A child who learns how to manage ten dollars wisely is beginning to
develop the character needed to manage larger resources later.
Talk About Your Family’s Goals
A mission gives your family direction, while goals help you take specific
steps.
Ask:
• What would we like to give toward this year?
• What are we saving for?
• Is there a family experience we want to enjoy?
• What expenses should we prepare for?
• Is there something we need to repair or replace?
• What financial habit should we improve?
• How can we reduce waste?
• Is there a small business or income idea we could explore?
• What do we want to teach the next generation about money?
Your goals might include:
• Creating an emergency fund
• Paying down debt
• Saving for education
• Starting a family business
• Supporting a ministry
• Helping a family in need
• Taking a family vacation without borrowing
• Purchasing a home
• Investing for the future
• Establishing a giving tradition
• Teaching every child to budget
You do not have to include every goal in the mission statement. Choose the
ideas that best describe your family’s long-term purpose.
A Simple Formula
Use this formula to create your statement:
Our family believes ____________________.
We value ____________________.
We will earn by ____________________.
We will give by ____________________.
We will save for ____________________.
We will spend by ____________________.
We will build a legacy of ____________________.
After everyone contributes, combine your answers into one short
paragraph.
Sample Family Money Mission Statement
Our family believes that everything belongs to God, and we are trusted to
manage His gifts wisely. We will work diligently, earn honestly, give
cheerfully, save consistently, and spend thoughtfully. We will take care of
our needs before our wants, practice gratitude instead of comparison, and
discuss important financial decisions together. We will use money to care
for our family, serve others, pursue God-given purposes, and build a legacy
of faith, wisdom, generosity, and opportunity for future generations.
A Child-Friendly Version
Younger children may remember a shorter statement more easily:
In our family, money is a tool—not our boss. Everything belongs to God.
We will earn honestly, give cheerfully, save patiently, and spend wisely. We
will be grateful for what we have and use our money to help others.
You can also create a family money motto:
Give with joy. Save with purpose. Spend with wisdom. Honor God in
everything.
Family Activity: Create Your Money Mission Poster
Gather paper, markers, crayons, stickers, and other art supplies.
Write this title at the top:
Our Family Money Mission
Divide the poster into five sections:
We Believe
Write what your family believes about God, money, and stewardship.
We Value
List five important values, such as faith, generosity, gratitude, wisdom, and
responsibility.
We Practice
List the financial habits your family wants to follow:
• Give
• Save
• Spend wisely
• Work diligently
• Plan together
We Are Preparing For
Add two or three family financial goals.
We Want Our Money to Accomplish
Describe how your family hopes to care for one another, serve people, fulfill
God-given purposes, and build a positive legacy.
Use your answers to write your final mission statement in the center of the
poster. Invite each family member to sign it.
Display the poster in a place where everyone can see it.
Use the Mission in Everyday Decisions
A mission statement only becomes meaningful when your family uses it.
Before making a financial decision, ask:
1. Does this choice honor God?
2. Does it agree with our family’s values?
3. Is it a need, a want, or a future goal?
4. Have we remembered to give and save?
5. Can we afford it without ignoring another responsibility?
6. Are we acting from gratitude or comparison?
7. Will this move our family closer to or farther from our goals?
8. What lesson will this decision teach our children?
These questions are not meant to make every purchase feel serious or
stressful. They help families slow down and choose intentionally.
Hold a Monthly Money Mission Meeting
Choose one day each month to review your family’s progress.
During the meeting:
• Read your mission statement aloud.
• Celebrate wise choices.
• Review giving, saving, and spending goals.
• Discuss any upcoming needs.
• Allow children to share ideas.
• Choose one habit to practice during the next month.
• Pray together for wisdom and provision.
Keep the conversation encouraging. Children should learn that talking
about money is not something to fear or avoid. It is an opportunity to
practice responsibility, honesty, teamwork, and faith.
Remember This
Your family’s money mission is not about becoming perfect or having the
most money.
It is about deciding who you want to become and how you will use what
God provides.
When your family has a clear mission, every dollar can receive an
assignment. Some can be given. Some can be saved. Some can provide
for needs. Some can create joyful experiences. Some can build
opportunities for the future.
Together, these choices can create a legacy that lasts far beyond a single
purchase.
“Commit thy works unto the Lord, and thy thoughts shall be established.” —
Proverbs 16:3
Family Money Mission Prayer
Dear God,
Thank You for every resource You have entrusted to our family. Help us
remember that everything belongs to You. Give us wisdom to earn
honestly, give cheerfully, save consistently, and spend responsibly. Protect
us from greed, comparison, fear, and impulsive choices. Teach us to
communicate with love and make financial decisions in unity. May our
money serve our family, bless others, support Your purposes, and build a
legacy that honors You.
In Jesus’ name, amen.
Money Smart Kids Reflection Questions
1. What does our family believe about money?
2. Which financial values are most important to us?
3. How can our family practice generosity?
4. What meaningful goal should we begin saving for?
5. What does wise spending look like in our home?
6. How can each family member help reduce waste?
7. What financial lesson do we want future generations to learn from
us?
8. What sentence should be included in our family money mission?
9. Where will we display our completed mission statement?
10. When will we hold our first monthly money mission meeting?
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