Good money management begins with
Rooting out the Spiritual Disease of Worshipping Worldly Riches

Luke 16:13
13 "No servant can serve two masters.
The servant will hate one master and love the other,
or will follow one master and refuse to follow the other.
You cannot serve both God and worldly riches."
(The Holy Bible : New Century Version)

There is nothing wrong with having worldly riches. But a problem can arise if Worldly Riches become an idol in our heart and they begin to have us instead of us having them.

We can know when Worldly Riches become an idol in our heart by watching out for the signs that emerge in our life.

This spiritual disease is evident in my life when I make the decision to gain or use money in unbiblical or unwise ways. Here are some examples:

A definite sign of this disease is
  if I refuse to earn my living honestly: instead I steal from others or swindle them.
  if we refuse to give a part of our earnings as the Lord says we should, and instead keep all for ourselves, we have a problem.
  if we invest our money unwisely in get-rich-quick schemes that are too good to be true, we certainly are on the wrong track.

In the New Testament Christians are clearly told that their first responsibility is to care for those in their own family:
8 But anyone who won't care for his own relatives when they need help, especially those living in his own family, has no right to say he is a Christian. Such a person is worse than the heathen. 1 Tim 5:8 (The Living Bible)

  If we use the money that should go into providing for those in our care and use it for something else, then Worldly Riches are becoming a problem.

Also,
  if we spend our money in satisfying addictions, Worldly Riches have become an idol.

Prayer:
Father, forgive me for using the money you have entrusted me with for wrong purposes.
Open my understanding so I will make YOU my God and money my servant,
in Jesus' name,
Amen.

There's a new thought here tomorrow.
See you then, God willing!