Dr. Tan Tek Seng

DAILY REFLECTION

9 Feb 2026

"The plans of the diligent lead surely to abundance, but everyone who is hasty comes only to poverty."
Proverbs 21:5

Many believers struggle with financial lack, yet God has graciously given us wisdom to steward the resources He entrusts to us. This week, I will be seeking His guidance as we reflect on key biblical principles for faithful stewardship. The first principle is this: we honor God through intentional budgeting and diligent planning.

Budgeting is a practical tool that helps us make wise decisions, control spending, and avoid unnecessary debt. It brings clarity to where our resources are going and guards us against careless or emotional spending. Planning, on the other hand, allows us to set realistic goals, prepare for future challenges, and move forward with confidence rather than anxiety. Together, budgeting and planning form a strong foundation for long-term stability and freedom from constant financial stress.

When we plan diligently—by setting realistic budgets, forecasting expenses, and anticipating potential challenges—we greatly reduce the risk of impulsive decisions that often lead to loss. In contrast, hurried spending and a lack of planning usually result in pressure, regret, and financial strain.

However, this principle goes beyond numbers and spreadsheets. At its core, it is about cultivating a godly mindset—one marked by patience, discipline, and foresight. These virtues shape our character and position us to experience lasting fruitfulness rather than short-lived gain.

Most importantly, budgeting and planning are acts of faithful stewardship. They reflect our desire to honor God by managing His resources with care, responsibility, and obedience.

Proverbs 21:5 reminds us to trust God’s timing, resist the pressure for instant results, and embrace patient obedience. In a world that prizes shortcuts, God calls His people to steady diligence. Lasting fruit—in our finances, our work, and our character—flows from faithful planning and consistent effort.

“Beware of little expenses. A small leak will sink a great ship." — Benjamin Franklin