Have you ever been asked to take care of something special—perhaps a pet, a plant, a
toy, or even a younger brother or sister?
When someone trusts you with something important, you have a responsibility to care
for it. That is what it means to be a good steward.
What Is a Steward?
A steward is someone who wisely takes care of something that belongs to another
person. The Bible teaches us that everything belongs to God. Our money, possessions, abilities,
bodies, time, and even the earth are gifts from Him. God allows us to enjoy these gifts,
but He also wants us to manage them with wisdom and gratitude.
“The earth is the Lord’s, and everything in it.” — Psalm 24:1
Being a good steward means saying:
“God, thank You for what You have given me. Please help me take good care of it and
use it in a way that honors You.”
You Already Have Things to Steward
You do not have to be an adult or have a lot of money to become a good steward.
Children can practice stewardship every day.
1. Steward Your Money
Whenever you receive an allowance, birthday money, or money for completing a special
job, you have an opportunity to make wise choices.
You can divide your money into three categories:
• Give: Share some of your money to help your church or someone in need.
• Save: Put some aside for a future goal.
• Spend: Use some of it carefully for something you need or truly value.
A good steward does not spend every dollar immediately. A good steward stops, thinks,
prays, and makes a plan.
2. Steward Your Time
Every person receives 24 hours each day. We cannot save yesterday’s time and use it
tomorrow, so it is important to use today wisely.
You can be a good steward of your time by:
• Completing your responsibilities before playing
• Spending time with God
• Helping your family
• Reading and learning
• Resting when your body needs it
• Limiting unnecessary screen time
Ask yourself, “Am I using my time on what matters most?”
3. Steward Your Talents
God has placed special gifts inside you. You may be creative, athletic, thoughtful,
musical, organized, encouraging, curious, or good at solving problems.
Your gifts were not given to you only for your own enjoyment. You can use them to
serve others.
If you can draw, you might make an encouraging card for someone. If you enjoy baking,
you might help prepare a treat for a neighbor. If you are a good reader, you might read
to a younger child.
A good steward practices and develops the talents God has given them.
4. Steward Your Possessions
Taking care of your belongings is another form of stewardship.
You can practice by:
• Putting your toys away
• Keeping your room organized
• Caring for your clothes and school supplies
• Using devices carefully
• Avoiding waste
• Donating things you no longer need
When you take care of what you already have, you show gratitude instead of always
asking for something new.
5. Steward Your Body
Your body is a wonderful gift from God. You care for it by choosing healthy foods,
drinking water, exercising, getting enough sleep, and keeping yourself clean.
Your eyes, ears, heart, mind, hands, and feet can also be used for good. You can look
for people who need help, listen carefully, speak kindly, and use your hands to serve.
The Faithful Steward Challenge
Imagine that you receive $10. What could you do with it?
Here is one example:
• Give $1
• Save $4
• Spend $5 wisely
There is more than one way to create a money plan. The important thing is to make
thoughtful choices before the money is gone.
Try asking these questions:
1. Did I remember to give?
2. Did I save something for later?
3. Is this purchase something I need or truly value?
4. Have I compared the price before buying?
5. Would this choice honor God?
A Family Stewardship Activity
Create a poster titled:
“God Gave Me Something to Manage”
Draw five sections and write one gift in each:
• My money
• My time
• My talents
• My possessions
• My body
Under each gift, write one action you will take this week.
For example:
• Money: I will save part of my allowance.
• Time: I will finish my homework before using my tablet.
• Talent: I will use my creativity to encourage someone.
• Possessions: I will organize my books and toys.
• Body: I will drink more water and go outside to play.
Display your poster where your family can see it and celebrate your progress.
Remember This. Being a good steward is not about having the most money or possessions. It is about
faithfully managing whatever God has placed in your hands. You can begin with one dollar, one talent, one hour, or one small responsibility. When you take care of small things, you develop the wisdom and character needed to manage bigger things in the future.
Stewardship Prayer
Dear God,
Thank You for every gift You have given me. Please help me become a wise and faithful
steward. Teach me to give cheerfully, save patiently, spend wisely, use my time
purposefully, care for my belongings, and share my talents with others. May every
choice I make honor You and help someone else.
In Jesus’ name, amen.
Money Smart Kids Reflection Questions
1. What has God trusted me to manage?
2. Which gift do I take care of well?
3. In which area can I become more responsible?
4. How can I use something I have to bless another person?
5. What is one stewardship goal I will begin today?
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