Financial Help with a Gentle Heart: Extending Mercy in Money Matters

The eighth fruit of the Spirit is gentleness. When I think of gentleness, I picture a mother lovingly cradling her baby in her arms. She carefully supports her infant’s head, providing the nourishment and love the child needs. Paul describes this in his first letter to the Thessalonians: “We were gentle among you, just as a nursing mother cherishes her own children” (1 Thessalonians 2:7).

It’s natural to be gentle with an infant or an elderly person who is frail and in need of assistance. But it’s not always easy to be gentle when you’re bailing someone out of trouble or when they’ve wronged you.

  • How do you respond to the person who has failed to repay the money they borrowed from you?
  • How do you react to the person who just caused significant damage to your vehicle?
  • How do you assist a relative who has gotten himself into a financial mess—again?

Hopefully, you respond with gentleness and the love of Christ.

True gentleness can be defined as “treating others as you want to be treated; showing mercy and forgiveness without judgment.” In terms of money, gentleness can be applied to helping someone in need in a way that maintains their dignity and self-esteem. This means offering financial assistance without judgment. If I am showing gentleness, I cannot berate someone for their financial difficulties. In fact, gentleness may even require me to forgive the debt they owe me, just as Christ forgave my much larger debt.

Gentleness in Helping Others

If the Lord has provided for your needs, He expects you to help others: “But whoever has this world’s goods, and sees his brother in need, and shuts up his heart from him, how does the love of God abide in him?” (1 John 3:17).

It’s easy to feel compassion and gently help someone who has faced financial setbacks due to illness, an accident, a job layoff, or a national economic downturn. But it can be more difficult to extend compassion to someone who has mismanaged their money, lived beyond their means, or made reckless investments in hopes of getting rich quickly. You might even feel that their difficulties are the result of sin and find yourself reluctant to help. However, gentleness compels us to help others without making them feel ashamed. Galatians 6:1 reminds us, “If someone is caught in a sin, you who live by the Spirit should restore that person gently.”

If you struggle with gentleness, remember that fortunes can change quickly. Today, you might be in a position to give, but tomorrow, you might need help yourself: “Cast but a glance at riches, and they are gone, for they will surely sprout wings and fly off to the sky like an eagle” (Proverbs 23:5).

Offering Assistance with Gentleness

Seek God’s direction before offering help: “But the wisdom that is from above is first pure, then peaceable, gentle, willing to yield, full of mercy and good fruits, without partiality and without hypocrisy” (James 3:17).

Consider how you would want to be approached for assistance and follow the Golden Rule: “Do to others as you would have them do to you” (Luke 6:31).

Offer assistance discreetly and with humility: “Be careful not to practice your righteousness in front of others to be seen by them. If you do, you will have no reward from your Father in heaven. So, when you give to the needy, do not announce it with trumpets, as the hypocrites do in the synagogues and on the streets, to be honored by others. Truly I tell you, they have received their reward in full. But when you give to the needy, do not let your left hand know what your right hand is doing” (Matthew 6:1–3).

Offer help not to seek praise from others, but as an opportunity to share the gospel: “Nor did we seek glory from men, either from you or from others, when we might have made demands as apostles of Christ. But we were gentle among you, just as a nursing mother cherishes her own children. So, affectionately longing for you, we were well pleased to impart to you not only the gospel of God, but also our own lives, because you had become dear to us” (1 Thessalonians 2:6–8).

Practical Ways to Assist Someone Financially with Gentleness

  • Pay a bill anonymously.
  • Send a check with a note that says, “The Lord instructed me to give this to you.”
  • Drop off a bag of groceries or a gift card to a grocery store.
  • Pay attention to their needs and purchase specific items to meet those needs.
  • Offer them an opportunity to do paid work for you, such as:
    • Yard work
    • Home repairs and maintenance
    • Errands and/or shopping
    • Housecleaning
    • Temporary work at your business (e.g., seasonal sales or extra labor for large jobs)
  • Contract work for your business (e.g., website design, bookkeeping, marketing, or janitorial services)

Conclusion:

Gentleness is more than just a soft-spoken demeanor; it is an intentional choice to treat others with dignity, compassion, and humility, especially when it comes to our financial dealings. Whether helping someone in need, forgiving a debt, or practicing patience in difficult financial situations, gentleness reflects Christ’s love and grace in practical ways. As we cultivate this fruit of the Spirit, we not only honor God, but we also create an environment of peace, trust, and healing in our relationships with others.

Ask God to open your eyes to those in need around you and pray for wisdom to meet those needs, as led by the Holy Spirit, with gentleness and a heart that reflects His love. Let gentleness guide you in your financial decisions and interactions, and watch how it transforms not only your heart but the lives of those around you. May we continue to be faithful stewards of the resources God has entrusted to us, using gentleness as a reflection of His love in all things.

Discussion Questions:

  1. How can you apply gentleness when helping someone with a financial need, especially if their situation is a result of poor financial decisions? How can you balance compassion and wisdom in such situations?
  2. What are some ways gentleness can influence how you manage your own finances? For example, how might gentleness affect your approach to budgeting, saving, or giving?
  3. In what areas of your life do you struggle to show gentleness in your financial interactions, whether it’s forgiving a debt, giving to others, or paying your bills on time? How can you ask God for help in those areas?
  4. Think about a time when you needed financial help or guidance. How did the gentleness or lack thereof from others impact your relationship with them? How can you practice gentleness in your own financial dealings to build trust and understanding?

The Power of Kindness: Transforming Your Finances and Relationships

Kindness is the fifth fruit of the Spirit. A kind person is friendly, generous, and compassionate. The root word “kin” in kindness reminds us to treat others as family. As God’s people, we’re called to show kindness, especially by helping those less fortunate. Kindness can be as simple as offering a kind word or as significant as giving one’s resources, time, and energy to improve the situation of another.

True kindness eases others’ burdens and points them to Christ. As we grow closer to the Lord and allow the fruit of the Spirit to develop within us, the Holy Spirit empowers us to demonstrate kindness.

Kindness Cannot Co-Exist with Unforgiveness

Having the right attitude is essential when practicing kindness—particularly when it comes to sharing our financial resources. If we harbor animosity or unforgiveness in our hearts toward someone, it will be difficult to open our hearts (and our pocketbooks) to help them when the Holy Spirit nudges us to do so.

The Bible teaches us that in order to please God and cultivate kindness, we must rid our hearts of bitterness and unforgiveness. Ephesians 4:31-32 reminds us:
“Get rid of all bitterness, rage and anger, brawling and slander, along with every form of malice. Be kind and compassionate to one another, forgiving each other, just as in Christ God forgave you.”

Paul also emphasizes this in Colossians 3:12-13:

“Clothe yourselves with compassion, kindness, humility, gentleness and patience. Bear with each other and forgive whatever grievances you may have against one another. Forgive as the Lord forgave you.”

God Expects Us to Be Kind

In the Old Testament, God commanded His people to show kindness. He even withheld His favor when they failed to do so. In Isaiah, God expresses His displeasure when kindness is withheld, especially toward the poor and oppressed. Isaiah 58:6-7 states:

“Is not this the kind of fasting I have chosen: to loose the chains of injustice and untie the cords of the yoke, to set the oppressed free and break every yoke? Is it not to share your food with the hungry and to provide the poor wanderer with shelter—when you see the naked, to clothe them, and not to turn away from your own flesh and blood?”

Job also reminds us of the importance of kindness in relationships:
“Anyone who withholds kindness from a friend forsakes the fear of the Almighty” (Job 6:14).

Jesus taught that when we serve the least among us, we are serving Him (Matthew 25:31-46). The acts of kindness Jesus described involved sharing our possessions—food, water, clothing—with those in need. As God provides for us, He expects us to share those resources with others.

God Rewards Those Who Show Kindness

God blesses those who are kind and share their resources. Solomon wisely wrote, “A kind man benefits himself” (Proverbs 11:17), and “Whoever is kind to the poor lends to the Lord, and He will reward them for what they have done” (Proverbs 19:17).

When we are kind, we are building treasure in Heaven. This is especially true when we do so without making a spectacle of it. Jesus warned against doing good deeds for the sake of recognition, teaching His disciples:

“Take heed that you do not do your charitable deeds before men, to be seen by them. Otherwise, you have no reward from your Father in heaven. Therefore, when you do a charitable deed, do not sound a trumpet before you as the hypocrites do in the synagogues and in the streets, that they may have glory from men. Assuredly, I say to you, they have their reward. But when you do a charitable deed, do not let your left hand know what your right hand is doing” (Matthew 6:1-3).

When we show kindness to others, we honor God and demonstrate His love to those who are hurting. We should not show kindness to gain God’s favor or heavenly rewards, but when done in obedience to God’s commands and with the right attitude, God will reward our kindness.

A Reflective Question for Your Heart

As you reflect on your relationship with money and kindness, consider the following questions:

  • How has kindness played a role in your financial decisions?
  • Can you think of a time when showing kindness to someone changed their situation—or yours?

Take a moment to reflect and invite God to help you be more intentional with your kindness, especially in how you manage and share your resources. Remember, the kindest act you can do is to share the gospel of Jesus Christ, so that others can look forward to eternity in Heaven.

Unique Ways to Express Your Love This Valentine’s Day

Are you scrambling to find the perfect Valentine’s Day gift for your spouse or the special someone in your life? Most people take the easy way out; they order flowers to be delivered, bring home a box of chocolates, and make a dinner reservation. In 2023, Valentine’s Day spending in the U.S. came to $185 per person. Yet, 34% of adults surveyed expressed disappointment in their partner’s expression of love on the holiday. Forty percent of women felt their partner fell short of adequately celebrating the occasion.  

The moral is that spending a lot does not necessarily make your loved one feel special. So, this year, instead of overspending and stressing your budget, you might consider giving gifts that take a bit of effort but cost little or nothing. Making the effort to create a gift or doing an act of kindness demonstrates your love for the recipient.   

Consider what type of action or gift is most meaningful to your spouse or partner. Gary Chapman identified five languages of love:  physical touch, words of affirmation, acts of service, quality time together, and physical gifts. He theorized that people have preferences and will appreciate and value the gift and you if you cater to them.

If your partner’s love language is touch, consider treating them to an in-home personal spa day.  

  • Prepare a warm bubble bath with a soft, fluffy towel nearby for drying off.
  • Give your partner a neck or back massage or a coupon for a massage once a month for a year.
  • A foot soak followed by a massage is an excellent “touch” gift.
  • If your partner is a lady, paint her toenails.
  • Make an effort to give frequent hugs and kisses throughout Valentine’s Day and every day.

For those who value words of affirmation, a handmade Valentine’s card or note will be significant.

  • Write a note or poem expressing the qualities that you love about your partner.
  • Hide messages of affirmation around the house and in lunchboxes and briefcases.
  • Take notice of the unique things they do for you and thank them for doing those things.
  • Print out the words of a song that describes your feelings and put them inside a handmade card.
  • Post Facebook messages telling all your friends how special they are to you.

Acts of service require a bit of effort, but you could demonstrate love to those with this love language in many ways.

  • Cook your loved one’s favorite meal rather than going out.
  • Bake their favorite cookies, cake, or pie. 
  • Do a chore for them, especially one you know they do not enjoy doing.
  • Complete one or more chores from the “honey do” list that your spouse has made for you.
  • Give your partner a book of coupons for services you will do throughout the year.

Spending quality time together requires little more than clearing your schedule and making the love of your life the focus of your day.

  • Plan a day of doing their favorite things, whether antiquing, hiking, visiting a museum or art gallery, or attending a sporting event.
  • Recreate your first date or a favorite date.
  • Turn off your cell phone and watch a romantic comedy or an action movie.
  • Cook your favorite meal together.
  • Participate in their favorite hobby—play pool, paint, go to a pottery class, or go fishing.

Select a meaningful gift if your loved one values a present over words and action.

  • Frame a favorite picture of the two of you or your family.
  • Buy a favorite dessert from a local bakery.
  • Rather than a box of inexpensive chocolates, select a few pieces of high-quality chocolates in a beautiful red or gold box.
  • Purchase a plant that will live long after a bouquet of roses has been discarded.
  • If your loved one is a collector, a new piece to add to their collection is a thoughtful gift that will not disappointment.

If God has blessed you with someone special to share your life, be grateful to Him. Take time this Valentine’s Day to thank Him for the gift of romantic love in your life. Remember that actions speak louder than words unless your partner values words of affirmation about other expressions of love. 

“Dear children, let us not love with words or speech but with actions and in truth.” 1 John 3:18 (NIV)

Let Our Lives Reflect the True Love of God

Every where we turned today, the voices of hate are loud.  Many have rejected God’s laws. They insist that those around them validate their lifestyles, even though they are living lives filled with sin. When Christians refuse to give into their demands, we are labels as “haters.” In fact, those who are labeling us are the ones filled with hate.  Those who reject God’s laws, hate God and hate what is good.

In this dark world, Christians are obligated to pray and to love.  Those are the forces of good that God will use to overcome the evil in this world. We cannot return hate to those who oppose us. We must continue to love and pray for our enemies.  For without love, our words are noise–clanging cymbals or the creaking of a rusty gate.

Pray diligently for those who walk in darkness, and let them see the love of Christ shining in and through you.

1 Corinthians Chapter 13 From The Message

1 If I speak with human eloquence and angelic ecstasy but don’t love, I’m nothing but the creaking of a rusty gate.
2 If I speak God’s Word with power, revealing all his mysteries and making everything plain as day, and if I have faith that says to a mountain, “Jump,” and it jumps, but I don’t love, I’m nothing.

3-7 If I give everything I own to the poor and even go to the stake to be burned as a martyr, but I don’t love, I’ve gotten nowhere. So, no matter what I say, what I believe, and what I do, I’m bankrupt without love.

Love never gives up.
Love cares more for others than for self.
Love doesn’t want what it doesn’t have.
Love doesn’t strut,
Doesn’t have a swelled head,
Doesn’t force itself on others,
Isn’t always “me first,”
Doesn’t fly off the handle,
Doesn’t keep score of the sins of others,
Doesn’t revel when others grovel,
Takes pleasure in the flowering of truth,
Puts up with anything,
Trusts God always,
Always looks for the best,
Never looks back,
But keeps going to the end.


8-10 Love never dies. Inspired speech will be over some day; praying in tongues will end; understanding will reach its limit. We know only a portion of the truth, and what we say about God is always incomplete. But when the Complete arrives, our incompletes will be canceled.
11 When I was an infant at my mother’s breast, I gurgled and cooed like any infant. When I grew up, I left those infant ways for good.
12 We don’t yet see things clearly. We’re squinting in a fog, peering through a mist. But it won’t be long before the weather clears and the sun shines bright! We’ll see it all then, see it all as clearly as God sees us, knowing him directly just as he knows us!
13 But for right now, until that completeness, we have three things to do to lead us toward that consummation: Trust steadily in God, hope unswervingly, love extravagantly. And the best of the three is love.

Ask God to show you today, and every day, how you can demonstrate love and reflect Jesus Christ to a hurting world.

Photo by cottonbro on Pexels.com

Valentine’s Day Reflection on Meeting the Love of My Life

Celebrating our 25th anniversary with a Caribbean cruise

I had lunch after church yesterday with the love of my life.  As I sat across from my husband in the booth at one of our favorite restaurants, it occurred to me that we had been coming to this restaurant for 33 years.  The memories of eating fish, fries, coleslaw, and hush puppies here together go all the way back to our freshman year of college.  They’ve remodeled the restaurant a time or two and tweaked the menu, but it’s in the same spot and I’m still coming with the same guy.

I vividly remember the first time I met Steve.  It was early October 1975, our junior year of high school. I was the vice-president of the French club and in that capacity I had to help select the cast for the annual French club play.  The French teacher, Madame Dameron, had chosen a musical—The Pale Pink Dragon.  I remember that some of the characters were turned into bears by a dragon. I was assigned to be in charge of costumes and spent many hours dyeing thermal underwear brown, making papier-mâché bear heads, and creating a dragon costume.

On the first day of tryouts, a large number of students showed up.  Most of the would-be actors read a scene from the script and sang briefly a cappella.  Some were quite good and others were, well let’s just say, not so good. Near the end of the first day, it was Steve’s turn to audition.  He was new in school, and I had never seen him before.

Steve’s was kind of cute, but he was not, at first glance, my type. He looked like a hippie with long straight hair that fell below his shoulders.  He wore blue jeans with holes in the both knees, a white Mickey Mouse teeshirt, and a plaid longsleeve flannel shirt. I wasn’t really interested until he picked up his guitar. He had my full attention as he strummed the guitar and sang.  He was, of course, cast in the play.  I remember giving him a pattern and material and telling him to have his mother sew his costume, a long hooded robe.  He said she couldn’t as she didn’t have a sewing machine.  I made his costume myself.

The remainder of the year, Steve and I had little interaction.  Senior year, however, we were seated beside each other in physics class.  We got to know each other better as we flirted on a field trip to D.C. and helped each other with physics homework.  Steve was shy and the year was almost over before he got up the nerve to ask me out. Once he did, I knew he was that special person God had for me. 

When people ask us how long we’ve been “together” Steve always says it’s been since the French club play while I count from our first date in April 1977.  Either way, we are well into our fourth decade as a couple.  In a few months we will celebrate our 30th wedding anniversary. 

As we ate our lunch, I thought about how special it is to have met the love of my life when we were only 17.  We share a lifetime of memories from high school graduation through college and graduate school to starting a family.  Our three sons were raised in a stable home with parents who loved them and each other unconditionally. Last summer we had the wonderful experience of becoming grandparents.  We look forward to making new memories with our precious grandson.

We don’t know what future God has in store for us.  We do know that God will be with us each step of the way and that we will be here for each other “for as long as we both shall live.”  Happy Valentine’s Day, Sweetheart.  I love you with all my heart.