Money talks. In fact, it speaks volumes about what you think is important and where you are on your spiritual journey. Want to ensure that your money habits speak well of you? Follow three rules.

1. Be careful how you get money.

Recall that the love of money was at the root of Christ's own betrayal. Judas loved money, and he added 30 pieces of silver to his belongings that fateful day — a hefty sum. But look how Judas got it! Money talks. Be careful how you get it.

2. Be mindful of how you guard your money.

Guarded wealth not used for God's glory brings misery. There's nothing inherently wrong with possessions — unless those possessions begin to possess you. And there's nothing inherently wrong with money. But hoarded wealth will never spread the gospel of Jesus Christ. However, money in the hands of a faithful steward can be a tremendous testimony.

3. Be wise about how you give money.

In today's world, accumulation is the name of the game. Caught in this trap, many people make all the money they can and guard it as long as possible. Some believers must think the main question at the judgment seat will be, "How much have you accumulated?" However, God will most likely ask, "Were you a good steward?"

A will plays a vital role in how you give money to others. This document ensures that your possessions are distributed as you desire. A will prevents potential misunderstanding among your children and heirs. It also reduces expenses and alleviates taxes, which can in turn leave more of your money to the ministries close to your heart.

By the way, there's a reason it's called a "last will and testament." Someday, this will be your last opportunity to testify about what was important to you. In a lawyer's office or courtroom, people will gather to hear your final testimony. Make sure that it pleases Christ and advances His kingdom on earth even while you're with Him in heaven.