When it comes to a Christian view of time & money, most people tend to extremes in one of two ways: either they are hoarding and miserly or they are far too lax. The Biblical perspective presents two tensions that true Christians must strive to live between. One is generosity (liberality). The other is discipline (budgeting). These two pull against one another.
Once there was a man in an art gallery picking up & carrying around various paintings. He pretended to be somebody - many of the guests even thought he was an artist or an art dealer. Yet when closing time came, he could not carry the paintings out the door... You and I might look or act like 'owners' but when this life is over, it is certain that we will leave it all here. You can't take it with you!