"...I have learned , in whatsoever state I am, therewith to be content." Phil. 4:11
First of all, contentment has to be learned. It is not a gift of God. It is not something that just happens.
Contentment takes personal effort. You learn to be content by the experiences of life. Going through hard times can teach you how to live on less. Learning how to prosper can teach you how to handle wealth. Either way, it is something that life will teach you. You have to put in the effort and the work to learn to be content no matter your state.
Contentment also takes instruction. This is where the local church can help. Through preaching and teaching we can be instructed on how to be content. A sermon can address covetousness. A sermon can address giving. A sermon can address fear of not having enough. A Sunday school lesson can teach you how to handle money. There is a top-down component in learning to be content.
The word content is interesting. It is not used often in the new testament. It literally means self sufficient. It means someone who needs no assistance. It describes someone who can adjust their life to live on what they have. It describes someone who has their desires under control. It describes someone who lives by their budget, not by advertising or credit cards. Contentment is a mark of maturity.
"I can do all things through Christ who strengthens me." Phil. 4:13
"But my God shall supply all your need according to His riches in glory by Christ Jesus." Phil. 4:19
Jesus will help you if you will just try. He will strengthen you in your effort to be content.