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Moderation is better than muscle, self-control better than political power. (Proverbs 16:32, The Message)
The heart is great which shows moderation in the midst of prosperity. - Seneca
Out of moderation a pure happiness springs. - Johann Wolfgang Von Goethe
People live real life in extremes - during good financial times, they spend a lot of money and go heavily debt. During lean times, people spend money only on what is absolutely necessary, pay off debt, and save.
I have a better, Scriptural alternative - moderation.
Webster's dictionary defines moderation as "to lessen the intensity or extremeness of."
Moderation isn't hip and cool. Moderation prevents us from keeping up with the Jones's. Moderation cramps our lifestyle.
We as Christians should have self control in all areas of our lives, which, of course, includes our family's finances. Educate yourself to be a wise manager of all that God has blessed you with.