Do you have $1,000 in savings that you could access right now?

I am talking about cash that you can put your hands on and use if needed. Not money you would have to borrow or a line of credit on a credit card. If you said no, according to a recent survey published by USA Today, you are among the almost 70% of Americans in the same condition. The survey revealed that 34% said they have zero savings and 35% reported they have some but less than $1,000. 

Now, if you are among that group, let’s change this, starting right now.  I want you to take these three simple steps:

  1. Make a decision and a commitment that in less than one year you will have a full $1,000 in a savings account at the bank or in a safe place at home. Got that?  Make the commitment Do you have $1,000 in savings that you could access right now?today. Say it aloud. Write it down. Write it on your bathroom mirror. One year from today, with God’s help, I will have saved $1,000. 
  1. Make a plan to save something every single month, without fail. Something. $10, $25, $50. It only takes $83/month or $2.80/day. You need a simple plan to reduce spending, increase income - or both - to get this done. If you have to do without a mobile phone or you have to sell something on Ebay or get rid of cable TV, make a plan.
  1. Pray every day and ask God to give you the strength, the self-control, the income, the discipline, the determination to make this life-changing goal a reality. Plead with the Lord to guide you out of the financial trap you are in. Pray like the persistent widow who went relentlessly before the unrighteous judge. Ask for victory over the obstacles that are preventing you from accomplishing this goal.


And one more thing: send me an email and tell me you are making the commitment. My email address: [email protected]. I want to pray for you on this journey.  Let’s do this. Today.


Chuck Bentley is the CEO of Crown, the largest Christian financial ministry in the world, founded by the late, Larry Burkett. He is an author, host of My MoneyLife - a daily radio feature, and a frequent speaker on the topic of Biblical financial principles. Follow him on Twitter @chuckbentley and visit for more help.


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