bible on money. session 1: vision, value, & programs session 2: gods & our responsibilities...

Bible on Money

Session 1: Vision, Value, & Programs

Session 2: God’s & Our Responsibilities

Session 3: Seeking Counsel, Spending

Session 4: Debt, Debt List

Session 5: Giving, Saving

Session 6: Honesty/Integrity, Eternity

Programme

SESSION 1

Vision, Mission, Values, Programs

Money is the language of the world.

God’s Word is the translation that leads to

True Financial Freedom.

GenerosityActs 20:35

StewardshipMt 25:14-30

LordshipPsalm 24:1

Living & Working

In

Gods Economy!

Our vision …

To see every follower of Christ in every nation faithfully living by God’s financial principles in every area of their lives

Our mission …

Equipping people worldwide to learn, apply, and teach God’s financial principles so they may know Christ more intimately, be free to serve Him, and help fund the Great Commission.

Core Values

Programmes

Financial Literacy

Leadership Development

Small Groups

Seminars & Conferences

Media

Marketplace

Coaching

Free to invest!

S

N

W E

Focusing on what you find most important in life – your Life Values!

Free to live!Free to reach your goals!

Creating margin: You can focus on developing your important relationships, learning contentment,

Knowing ‘how much is enough’ and growing in generosity

Your finances in order

You can live comfortably and in peace, managing debt well and saving for future expenses

You are realising your important long term goals, e.g. Home, business, education, retirement, legacy etc.

Free to focus on your Life Values!

vision

disciplineCreativity

Achievement

My Financial Compass

Session 2

IntroductionWhy should we talk about money?

I. Introduction—Why should we talk about money?

1. Spiritual reasonsA. How we handle money has a big impact

on the intimacy of our relationship with Christ.

“If you have not been faithful in the use of [worldly wealth], who will entrust the true riches to you?”

Luke 16:11, NASB


1. Spiritual reasonsA. How we handle money has a big impact

on the intimacy of our relationship

with Christ.

A more intimate relationship with Christ is the “true riches” in life.


1. Spiritual reasonsB. Money is a primary competitor with Christ

for the lordship of our lives.

No one can serve two masters. Either hewill hate the one and love the other, or hewill be devoted to the one and despise the other. You cannot serve both God

and mammon.” Matthew 6:24


1. Spiritual reasonsC. The way we handle finances is an outside indicator of our inward spiritual condition.

“Whoever can be trusted with very little can also be trusted with much, and whoever is dishonest with very little will also be dishonest with much.” Luke 16:10

Financial Problems

Spiritual issues


Stewardship responsibility of the church …

Church

Poor

living

habits

Business

bondage

Generosity

Poverty

DebtRelation-

ships


2. Practical reasons

‘More month than money’ – Haggai 1:5,6

‘Need wisdom from above’ – James 3:17

‘More ministry than people’ – Mark 4:19

‘Money tends to disappear’ – Proverbs 23:5


2. Practical reasons

Lack of faith, hope and love fear, despair, greed

Session 3

God’s Part and my part!

II. God’s Responsibilities and Our Responsibilities


1. God’s responsibilitiesA. God is the owner of everything.

“The earth is the Lord’s, and everything

in it, the world, and all who live in it.”

Psalm 24:1

1. God’s responsibilitiesA. God is the owner of everything.

“The earth is the Lord’s, and everything

in it, the world, and all who live in it.”

Psalm 24:1

1. God’s responsibilitiesB. God is in control.

“The Lord does whatever pleases him, in the

heavens and on the earth.” Psalm 135:6

1. God’s responsibilitiesB. God is in control.

“The Lord does whatever pleases him, in the

heavens and on the earth.” Psalm 135:6



1. God’s responsibilitiesC. God will provide our needs.

“My God will meet all your needs according to his glorious riches in Christ Jesus.” Philippians 4:19

1. God’s responsibilitiesC. God will provide our needs.

“My God will meet all your needs according to his glorious riches in Christ Jesus.” Philippians 4:19



2. Our responsibilities with moneyA. We are stewards of God’s possessions.

(A steward is a manager of someone else’s possessions.)

[Psalm 8:5-8]

2. Our responsibilities with moneyA. We are stewards of God’s possessions.

(A steward is a manager of someone else’s possessions.)

[Psalm 8:5-8]



2. Our responsibilities with moneyB. We are to be faithful with the resources

He places in our hands.

“It is required in stewards, that a man be found faithful.” 1 Corinthians 4:2, KJV

2. Our responsibilities with moneyB. We are to be faithful with the resources

He places in our hands.

“It is required in stewards, that a man be found faithful.” 1 Corinthians 4:2, KJV



2. Our responsibilities with moneyC. We are to be faithful in our theology.

2 Timothy 3:16

2. Our responsibilities with moneyC. We are to be faithful in our theology.

2 Timothy 3:16



POVERTY PROSPERITY STEWARDSHIP

Possessions are Evil A right A responsibility

I work to Meet only basic needs

Become rich Serve Christ

Godly people are Poor Wealthy Faithful

Ungodly people are Wealthy Poor Unfaithful

I give Because I must

To get Because I love God

My spending is Without gratitude

Carefree and consumptive

Prayerful and responsible



III. WorkIII. Work

1. The Lord created work for our benefit in thesinless environment of the Garden of Eden.

“The Lord God took the man and put him in the Garden of Eden to work it and take care of it.” Genesis 2:15

“Avodah” = worship

1. The Lord created work for our benefit in thesinless environment of the Garden of Eden.

“The Lord God took the man and put him in the Garden of Eden to work it and take care of it.” Genesis 2:15

“Avodah” = worship

2. God’s perspective of workA. Work is necessary.

“Six days you shall labor.” Exodus 34:21

“If a man will not work, he shall not eat.”

Thessalonians 3:10

2. God’s perspective of workA. Work is necessary.

“Six days you shall labor.” Exodus 34:21

“If a man will not work, he shall not eat.”

Thessalonians 3:10

III. WorkIII. Work

2. God’s perspective of workB. Work develops character.

“Diligent hands [a good worker] will rule, but laziness ends in slave labor.” Proverbs 12:24

2. God’s perspective of workB. Work develops character.

“Diligent hands [a good worker] will rule, but laziness ends in slave labor.” Proverbs 12:24

III. WorkIII. Work

2. God’s perspective of workC. We work for Christ.

“Whatever you do, work at it with all your heart, as working for the Lord, not for

men. . . . It is the Lord Christ you are serving.” Colossians 3:23-24

2. God’s perspective of workC. We work for Christ.

“Whatever you do, work at it with all your heart, as working for the Lord, not for

men. . . . It is the Lord Christ you are serving.” Colossians 3:23-24

III. WorkIII. Work

3. God’s work responsibilitiesA. God gives us our job skills.

“And every skilled person to whom the Lord has given skill and ability to know how to carry out all the work . . .” Exodus 36:1

3. God’s work responsibilitiesA. God gives us our job skills.

“And every skilled person to whom the Lord has given skill and ability to know how to carry out all the work . . .” Exodus 36:1

III. WorkIII. Work

3. God’s work responsibilitiesB. God gives us our success.

“The Lord was with Joseph and he prospered . . . his master saw that the Lord was with him and that the Lord gave him success in everything he did . . .” Genesis 39:2-3

3. God’s work responsibilitiesB. God gives us our success.

“The Lord was with Joseph and he prospered . . . his master saw that the Lord was with him and that the Lord gave him success in everything he did . . .” Genesis 39:2-3

III. WorkIII. Work

3. God’s work responsibilitiesC. God controls promotion and advancement.

“No one from the east or the west or from the desert can exalt [promote] a man. But it is God who judges: He brings one down, he exalts [promotes] another.” Psalm 75:6-7

3. God’s work responsibilitiesC. God controls promotion and advancement.

“No one from the east or the west or from the desert can exalt [promote] a man. But it is God who judges: He brings one down, he exalts [promotes] another.” Psalm 75:6-7

III. WorkIII. Work

III Work

4. Gods work responsibilities

D. God provides income

“But seek first his kingdom and his righteousness, and all these things will be given to you as well. .”

Matthew 6:33

4. Our work responsibilitiesA. We are to work hard.

“Whatever your hand finds to do, do it with all your might.” Ecclesiastes 9:10


“Whatever your hand finds to do, do it with all your might.” Ecclesiastes 9:10

III. WorkIII. Work


“The precious possession of a man is diligence.” Proverbs 12:27, NASB


“The precious possession of a man is diligence.” Proverbs 12:27, NASB

III. WorkIII. Work


“One who is slack in his work is brother to one who destroys.” Proverbs 18:9


“One who is slack in his work is brother to one who destroys.” Proverbs 18:9

III. WorkIII. Work


“We worked night and day, laboring and toiling so that we would not be a burden to any of you . . . in order to make ourselves a model for you to follow.” 2 Thessalonians 3:8-9


“We worked night and day, laboring and toiling so that we would not be a burden to any of you . . . in order to make ourselves a model for you to follow.” 2 Thessalonians 3:8-9

III. WorkIII. Work

4. Our work responsibilitiesB. We are not to overwork.

“Six days you shall labor, but on the seventh day you shall rest; even during the plowing season and harvest you must rest.” Exodus 34:21

4. Our work responsibilitiesB. We are not to overwork.

“Six days you shall labor, but on the seventh day you shall rest; even during the plowing season and harvest you must rest.” Exodus 34:21

III. WorkIII. Work

4. Our work responsibilitiesC. We are to be honest.

“Do not steal. Do not lie. Do not deceive one another.” Leviticus 19:11

4. Our work responsibilitiesC. We are to be honest.


III. WorkIII. Work

4. Our work responsibilitiesD. We are to honor our employers.

“Slaves, [employees] submit yourselves to your masters [employers] with all respect, not only to those who are good and considerate, but also to those who are harsh.” 1 Peter 2:18

4. Our work responsibilitiesD. We are to honor our employers.

“Slaves, [employees] submit yourselves to your masters [employers] with all respect, not only to those who are good and considerate, but also to those who are harsh.” 1 Peter 2:18

III. WorkIII. Work

2. God’s perspective of workE. We are to honor fellow employees and

never slander them.

“Do not slander a servant [employee] to his master [employer], or he will curse you.” Proverbs 30:10

2. God’s perspective of workE. We are to honor fellow employees and

never slander them.

“Do not slander a servant [employee] to his master [employer], or he will curse you.” Proverbs 30:10

III. WorkIII. Work

SESSION 3

How to better control expensesSeeking Counsel, Spending

SESSION 3

How to better control expensesSeeking Counsel, Spending

I. Before major decisions,it is wise to seek counsel.


“Listen to advice and accept instruction, and in the end you will be wise.” Proverbs 19:20

“The way of a fool seems right to him, but a wise man listens to advice.” Proverbs 12:15

“Listen to advice and accept instruction, and in the end you will be wise.” Proverbs 19:20

“The way of a fool seems right to him, but a wise man listens to advice.” Proverbs 12:15

1. God’s Word.

“For the word of God is living and active. Sharper than any double-edged sword . . . it judges the thoughts and attitudes of the heart.” Hebrews 4:12

1. God’s Word.

“For the word of God is living and active. Sharper than any double-edged sword . . . it judges the thoughts and attitudes of the heart.” Hebrews 4:12



2. Spouse.

“The Lord God said, ‘It is not good for the man to be alone. I will make a helper suitable for him.’” Genesis 2:18

2. Spouse.

“The Lord God said, ‘It is not good for the man to be alone. I will make a helper suitable for him.’” Genesis 2:18



3. Parents.

“My son, keep your father’s commands and do not forsake your mother’s teaching” Proverbs 6:20

3. Parents.

“My son, keep your father’s commands and do not forsake your mother’s teaching” Proverbs 6:20



4. Godly people.

(Psalm 1:1-3)

Remember, Gods ways are totally different!

Isaiah 55:8,9

4. Godly people.

(Psalm 1:1-3)

Remember, Gods ways are totally different!

Isaiah 55:8,9



5. Many counselors.

“Plans fail for lack of counsel, but with many advisers they succeed.” Proverbs 15:22

“For lack of guidance a nation falls, but many advisers make victory sure.” Proverbs 11:14

5. Many counselors.

“Plans fail for lack of counsel, but with many advisers they succeed.” Proverbs 15:22

“For lack of guidance a nation falls, but many advisers make victory sure.” Proverbs 11:14



6. Avoid fortune-tellers, mediums andspiritualists!

“Do not turn to mediums or seek out spiritists; for you will be defiled by them. I am the Lord your God.” Leviticus 19:31

6. Avoid fortune-tellers, mediums andspiritualists!

“Do not turn to mediums or seek out spiritists; for you will be defiled by them. I am the Lord your God.” Leviticus 19:31



II. Biblical truths to spending wisely II. Biblical truths to spending wisely

There are several biblical principles that should influence our spending.

There are several biblical principles that should influence our spending.


1. Learn to be content.“I have learned to be content whatever the circumstances. I know what it is to be in need, and I know what it is to have plenty. I have learned the secret of being content in any and every situation, whether well fed or hungry, whether living in plenty or in want. I can do everything through him who gives me strength.” Philippians 4:11-13

1. Learn to be content.“I have learned to be content whatever the circumstances. I know what it is to be in need, and I know what it is to have plenty. I have learned the secret of being content in any and every situation, whether well fed or hungry, whether living in plenty or in want. I can do everything through him who gives me strength.” Philippians 4:11-13


2. Learn to avoid coveting.

“You shall not covet your neighbor’s house. You shall not covet your neighbor’s wife, or his manservant or his maidservant, his ox or donkey, or anything that belongs to your neighbor.” Exodus 20:17

2. Learn to avoid coveting.

“You shall not covet your neighbor’s house. You shall not covet your neighbor’s wife, or his manservant or his maidservant, his ox or donkey, or anything that belongs to your neighbor.” Exodus 20:17


3. Do not determine your spending bycomparing it to others, and be aware of theinfluence of advertising.

“Therefore, I urge you brothers, in view of God’s mercy, to offer your bodies as living sacrifices, holy and pleasing to God—this is your spiritual act of worship.


“Therefore, I urge you brothers, in view of God’s mercy, to offer your bodies as living sacrifices, holy and pleasing to God—this is your spiritual act of worship.



“Do not conform any longer to the pattern of this world, but be transformed by the renewing of your mind.” Romans 12:1-2


“Do not conform any longer to the pattern of this world, but be transformed by the renewing of your mind.” Romans 12:1-2


4. Live simply.

“Make it your ambition to lead a quiet life, to mind your own business and to work with your hands, just as we told you, so that your daily life may win the respect of outsiders and so that you will not be dependent on anybody.” 1 Thessalonians 4:11-12

4. Live simply.

“Make it your ambition to lead a quiet life, to mind your own business and to work with your hands, just as we told you, so that your daily life may win the respect of outsiders and so that you will not be dependent on anybody.” 1 Thessalonians 4:11-12


5. If you have special economic needs, theyshould be brought to the body of Christ.

“Our desire is not that others might be relieved while you are hard pressed, but that there might be equality. At the present time your plenty will supply what they need, so that in turn their plenty will supply what you need.


“Our desire is not that others might be relieved while you are hard pressed, but that there might be equality. At the present time your plenty will supply what they need, so that in turn their plenty will supply what you need.



“Then there will be equality, as it is written: ‘He who gathered much did not have too much, and he who gathered little did not have too little.’” 2 Corinthians 8:13-15


“Then there will be equality, as it is written: ‘He who gathered much did not have too much, and he who gathered little did not have too little.’” 2 Corinthians 8:13-15


6. Develop and use a PLAN TO CONTROLSPENDING.“Be sure you know the condition of your flocks, give careful attention to your herds.” Proverbs 27:23

Using a plan to control spending is a practicalway to control the way you spend, so you can

spend money wisely.

6. Develop and use a PLAN TO CONTROLSPENDING.“Be sure you know the condition of your flocks, give careful attention to your herds.” Proverbs 27:23

Using a plan to control spending is a practicalway to control the way you spend, so you can

spend money wisely.

How to develop a planHow to develop a plan

1.Commit

2.Collect

3.Compare

4.Correct

5.Control


1. Commit1. Commit

A one-on-one meeting, 30 days from now…


2. Collect2. Collect

LedgerLedger

Shoebox


3. Compare3. Compare

INCOMEHusband’s take-home pay __________

Wife’s take-home pay + __________

Other Income + __________

Total Net Income = __________

Deduct taxes still owed to the government – __________

Deduct giving to God – __________

Net Spendable Income = __________

EXPENSESSavings __________Food + __________Housing + __________Transportation + __________

+ __________+ __________+ __________

Income – Expenses = __________


4. Correct4. Correct

Needs

Variable costs

WantsFreedom account

Obligat-ions

Fixed costs

Learning to live in the circle of Gods blessings


5. Control …. 5. Control ….

Cash for …1-7 8-15 16-23 24-31

Food (440) 110 110 110 110

Gas (240) 60 60 60 60

Enter (200) 50 50 50 50

Misc. (280) 70 70 70 70

TOTAL 410 410 410 410

SESSION 4

Debt

SESSION 4

Debt

DebtDebt

“I owe, I owe, it’s off to work we go …”

I. Debt I. Debt

The Bible does not say that borrowing is sin, but it

does discourage it. Debt is money or possessions

which one person is obligated to pay to another. Debt

includes money owed to banks, friends, relatives,

credit card

companies, and finance companies.

The Bible does not say that borrowing is sin, but it

does discourage it. Debt is money or possessions

which one person is obligated to pay to another. Debt

includes money owed to banks, friends, relatives,

credit card

companies, and finance companies.

I. Debt I. Debt

1. What Scripture says about debt

A. Debt is discouraged. “Let no debt remain outstanding.” Romans 13:8

“The wicked borrow and never repay, but the godly are generous givers”

Psalm 37:21


A. Debt is discouraged. “Let no debt remain outstanding.” Romans 13:8

“The wicked borrow and never repay, but the godly are generous givers”

Psalm 37:21

I. Debt I. Debt


B. Debt is considered slavery.“The rich rule over the poor, and the

borrower is servant to the lender.” Proverbs

22:7

We do not have full freedom to decide where

to spend our income if we have obligated

ourselves to repay debt.


B. Debt is considered slavery.“The rich rule over the poor, and the

borrower is servant to the lender.” Proverbs

22:7

We do not have full freedom to decide where

to spend our income if we have obligated

ourselves to repay debt.

I. Debt I. Debt


C. In the Old Testament:

(1) Debt was a curse for disobedience.

“If you do not obey the Lord your God . .

all these curses will come upon you. . . .

The alien who lives among you will rise above you higher and higher. . . . He will lend to you, but you will not lend to him.” Deuteronomy 28:15, 43-44



(1) Debt was a curse for disobedience.

“If you do not obey the Lord your God . .

all these curses will come upon you. . . .

The alien who lives among you will rise above you higher and higher. . . . He will lend to you, but you will not lend to him.” Deuteronomy 28:15, 43-44

I. Debt I. Debt



(2) Freedom from debt was a reward for obedience.

“If you fully obey the LORD your God and carefully follow all his commands I give you today, the LORD your God will set you high above all the nations on earth. All these blessings will come upon you and accompany you if you obey the LORD your God: The LORD will open the heavens, the storehouse of his bounty, to send rain on your land in season and to bless all the work of your hands. You will lend to many nations but will borrow

from none.” Deuteronomy 28:1-2, 12



(2) Freedom from debt was a reward for obedience.

“If you fully obey the LORD your God and carefully follow all his commands I give you today, the LORD your God will set you high above all the nations on earth. All these blessings will come upon you and accompany you if you obey the LORD your God: The LORD will open the heavens, the storehouse of his bounty, to send rain on your land in season and to bless all the work of your hands. You will lend to many nations but will borrow

from none.” Deuteronomy 28:1-2, 12

I. Debt I. Debt

2. Some factors that lead to debt• Lack of knowledgeMost people have not been

trained to handle money God’s way.

Antidote? Compass course, of course!

2. Some factors that lead to debt• Lack of knowledgeMost people have not been

trained to handle money God’s way.

Antidote? Compass course, of course!

I. Debt I. Debt

2. Some factors that lead to debt

• Lack of planning and discipline

Many people spend impulsively because they have no written plan or budget toensure that spending does not exceedincome.

Antidote? “I can do all things, through Christ …!”


• Lack of planning and discipline

Many people spend impulsively because they have no written plan or budget toensure that spending does not exceedincome.

Antidote? “I can do all things, through Christ …!”

I. Debt I. Debt


• Indulgence

Some people spend in an attempt to satisfy fleshly desires.

Antidote? Contentment!


• Indulgence

Some people spend in an attempt to satisfy fleshly desires.

Antidote? Contentment!

I. Debt I. Debt


• Circumstances

Sometimes people use debt when theyexperience unexpected emergencies,such as an illness or loss of a job.

Antidote? Look to God first!


• Circumstances

Sometimes people use debt when theyexperience unexpected emergencies,such as an illness or loss of a job.

Antidote? Look to God first!

I. Debt I. Debt

3. How to get out of debt—seven steps:

A. Pray.

“Do not be anxious about anything, but in everything, by prayer and petition, with thanksgiving, present your requests to God.”

Philippians 4:6


A. Pray.

“Do not be anxious about anything, but in everything, by prayer and petition, with thanksgiving, present your requests to God.”

Philippians 4:6

I. Debt I. Debt


B. Accumulate no new debt.

“A prudent man sees danger and takes refuge, but the simple keep going and suffer for it”

Proverbs 22:3


B. Accumulate no new debt.

“A prudent man sees danger and takes refuge, but the simple keep going and suffer for it”

Proverbs 22:3

I. Debt I. Debt


C. List all your debts and everything you own.

List your debts to determine your current financial situation. Then decide whether you should sell any possessions to reduce debt.


C. List all your debts and everything you own.

List your debts to determine your current financial situation. Then decide whether you should sell any possessions to reduce debt.

I. Debt I. Debt


D. Use a written plan to control yourspending. . . . to ensure that spending does

not exceed income and to identify “extra money” that may be available for paying debts faster.


D. Use a written plan to control yourspending. . . . to ensure that spending does

not exceed income and to identify “extra money” that may be available for paying debts faster.

I. Debt I. Debt


E. Establish a repayment plan for each debt.

Communicate with your creditors. Most creditors are willing to work with people

who honestly want to repay their debt, communicate regularly and follow

through.


E. Establish a repayment plan for each debt.

Communicate with your creditors. Most creditors are willing to work with people

who honestly want to repay their debt, communicate regularly and follow

through.

I. Debt I. Debt


E. Establish a repayment plan for each debt.Try to pay off the smallest debts or thosewith the highest interest rate first. Onceyou have paid off the first debt, add that payment amount to the regular payment for the second one you want to pay off. Then, when that one is paid off, apply both payments to the next debt and so forth until all debts are paid.


E. Establish a repayment plan for each debt.Try to pay off the smallest debts or thosewith the highest interest rate first. Onceyou have paid off the first debt, add that payment amount to the regular payment for the second one you want to pay off. Then, when that one is paid off, apply both payments to the next debt and so forth until all debts are paid.

I. Debt I. Debt


F. Consider earning additional income.

Many people hold jobs that simply do not produce enough income to meet their needs even if they spend wisely. They may need to earn additional income to stay out of debt.


F. Consider earning additional income.

Many people hold jobs that simply do not produce enough income to meet their needs even if they spend wisely. They may need to earn additional income to stay out of debt.

I. Debt I. Debt


G. Reduce spending. Some people need to lower their spending to get out of debt.


G. Reduce spending. Some people need to lower their spending to get out of debt.

I. DebtI. Debt

Paying back a debt – the snowballPaying back a debt – the snowballPayments each month …

Creditor Debt Inter-est

Min. Inst. month

Extra inst.

After 3 months

After 6 months

After 15 months

After 22 months

After 26 months

€150Postorder € 372 18% €15 €165 Paid

Father € 550 0 €20 €20 €185 PaidBank

(overdraft) €1.980 19% €40 €40 €40 €225 Paid

Pers. Loan €2.369 16,9% €50 €50 €50 €50 €275 Paid

Car €7.200 6,9% €259 €259 €259 €259 €259 €534 Paid

Total €12.471 €384 €534 €534 €534 €534 €534

I. DebtI. DebtSeven Prerequisites for Acquiring Debt

A. Be committed to pay it back. Romans 13:7

B. Never co-sign. Proverbs 17:18

C. Obey the Principle of Proverbs 22:26-27 Guaranteed Commitment.*

D. Avoid making present commitment Proverbs 27:1 based solely in future earnings.

E. Never place your family at risk. 1 Timothy 5:8

F. Avoid consumer debt. Romans 13:8

G. Use current account credit wisely. 1 Corinthians 4:2

H. Can I handle it? 1 Corinthians 6:12

I. Do I have peace? Colossians 3:15

Seven Prerequisites for Acquiring DebtA. Be committed to pay it back. Romans 13:7

B. Never co-sign. Proverbs 17:18

C. Obey the Principle of Proverbs 22:26-27 Guaranteed Commitment.*

D. Avoid making present commitment Proverbs 27:1 based solely in future earnings.

E. Never place your family at risk. 1 Timothy 5:8

F. Avoid consumer debt. Romans 13:8

G. Use current account credit wisely. 1 Corinthians 4:2

H. Can I handle it? 1 Corinthians 6:12

I. Do I have peace? Colossians 3:15

Buying a building

Trendy Conservative1st. Phase 2nd. Phase

Price € 300.000 € 210.000 € 300.000Deposit € 45.000 € 45.000 € 210.000Mortgage € 255.000 € 165.000 € 90.000____________________________________________________________________Payments/mo € 1.782 € 1.788 € 1.803Interest 7.5% 7.5% 7.5%Period 30 yr 11 ½ yr 5 yr 16 ½ yr____________________________________________________________________Total payments € 641.952 € 247.056 € 108.204 € 355.260Costs € 15.300 € 9.000 € 3.000 € 12.000

Total costs € 657.252 € 256.056 € 111.204 € 367.260___________________________________________________________________

Gross costs € 657.252 -/- € 367.260 = € 289.992 savingsDebt free in 30 years 16 ½ years 13 ½ years faster

* excl. fiscal effects

I. DebtI. Debt

Borrowing – the dangers!Borrowing – the dangers!

• The future is uncertain

• You cannot rely on it! James 4;13-17

• An unnecessary burden

• Temptation and danger 1 Tim 6:9

• Can stop God from working

• He will provide Heb. 13:5

• Reduces availability

• Need to renounce all.... Luke 14:33

I. DebtI. Debt

Which master are you serving?Which master are you serving?

"No one can serve two masters. Either he will hate the one and love the other, or he will be devoted to the one and despise the other. You cannot serve both God and Money.” Matthew 6:24

I. DebtI. Debt

You are “indebted” when …You are “indebted” when …

1. Your saleable assets < borrowings2. Promises are not kept3. When it causes anxiety Is 32:174. When a decision is not taken out of

faith

SESSION 5

Giving to others and saving for the future.

SESSION 5

Giving to others and saving for the future.

I. Giving to others and savingfor the future


1. It is important to give with the properattitude.





A. Give out of a heart of love.

“If I give all I possess to the poor . . . But have not love, I gain nothing.” 1 Corinthians 13:3


A. Give out of a heart of love.

“If I give all I possess to the poor . . . But have not love, I gain nothing.” 1 Corinthians 13:3




A. Give out of a heart of love. God the Father set the example of giving in love.

“For God so loved the world that he gave his one and only Son.” John 3:16


A. Give out of a heart of love. God the Father set the example of giving in love.

“For God so loved the world that he gave his one and only Son.” John 3:16




B. Give cheerfully.

“Each man should give what he has decided in his heart to give, not reluctantly or under compulsion, for God loves a cheerful giver.” 2 Corinthians 9:7


B. Give cheerfully.

“Each man should give what he has decided in his heart to give, not reluctantly or under compulsion, for God loves a cheerful giver.” 2 Corinthians 9:7




Reluctantly = sorrow, grief, or annoyance.Cheerful = joyful, happy, and exuberant.


Reluctantly = sorrow, grief, or annoyance.Cheerful = joyful, happy, and exuberant.



2. Give to God first.

“Honor the Lord with your wealth, with the firstfruits of all your crops.” Proverbs 3:9

2. Give to God first.

“Honor the Lord with your wealth, with the firstfruits of all your crops.” Proverbs 3:9



3. Amount to give.

“Then Abram gave him a tenth of everything” Genesis 14:20

3. Amount to give.

“Then Abram gave him a tenth of everything” Genesis 14:20



3. Amount to give.

Abraham (before the law of Moses) gave atenth to Melchizedek, the priest of God.Mosaic law required tithes and offerings.The New Testament principle is to givegenerously: Jesus praised sacrificial giving.

3. Amount to give.

Abraham (before the law of Moses) gave atenth to Melchizedek, the priest of God.Mosaic law required tithes and offerings.The New Testament principle is to givegenerously: Jesus praised sacrificial giving.



3. Amount to give.

“A poor widow came and put in two very small copper coins, worth only a fraction of a penny. . . . Jesus said, ‘I tell you the truth, this poor widow has put more into the treasury than all the others. They all gave out of their wealth; but she, out of her poverty, put in everything— all she had to live on.’” Mark 12:42-44

3. Amount to give.

“A poor widow came and put in two very small copper coins, worth only a fraction of a penny. . . . Jesus said, ‘I tell you the truth, this poor widow has put more into the treasury than all the others. They all gave out of their wealth; but she, out of her poverty, put in everything— all she had to live on.’” Mark 12:42-44



3. Amount to give.

We are convinced that a tithe is the minimumamount we should give to the Lord, desiringthen to give more than the tithe as the Lordprospers us or directs us.

3. Amount to give.

We are convinced that a tithe is the minimumamount we should give to the Lord, desiringthen to give more than the tithe as the Lordprospers us or directs us.



4. Blessings of giving.

“Remembering the words the Lord Jesus himself said: ‘It is more blessed to give than to receive.’” Acts 20:35


“Remembering the words the Lord Jesus himself said: ‘It is more blessed to give than to receive.’” Acts 20:35



4. Blessings of giving. A. Giving draws our hearts toward Christ.

“For where your treasure is, there your heart will be also.” Matthew 6:21

4. Blessings of giving. A. Giving draws our hearts toward Christ.

“For where your treasure is, there your heart will be also.” Matthew 6:21



4. Blessings of giving. B. Giving develops godly character and

helps us conform to Christ.

“Your attitude should be the same as that of Christ Jesus.” Philippians 2:5

4. Blessings of giving. B. Giving develops godly character and

helps us conform to Christ.

“Your attitude should be the same as that of Christ Jesus.” Philippians 2:5



4. Blessings of giving. C. Giving allows us to put treasures in

heaven.

“But store up for yourselves treasures in heaven, where moth and rust do not

destroy, and where thieves do not break in and steal” Matthew 6:20

4. Blessings of giving. C. Giving allows us to put treasures in

heaven.

“But store up for yourselves treasures in heaven, where moth and rust do not

destroy, and where thieves do not break in and steal” Matthew 6:20



4. Blessings of giving. D. Giving can produce a material increase

to the giver.

“One man gives freely, yet gains even more; another withholds unduly, but comes to poverty. A generous man will prosper; he who refreshes others will himself be refreshed.” Proverbs 11:24-25


to the giver.

“One man gives freely, yet gains even more; another withholds unduly, but comes to poverty. A generous man will prosper; he who refreshes others will himself be refreshed.” Proverbs 11:24-25




to the giver.

“Whoever sows sparingly will also reap sparingly, and whoever sows generously will also reap generously. . . .


to the giver.

“Whoever sows sparingly will also reap sparingly, and whoever sows generously will also reap generously. . . .




“God is able to make all grace abound to you, so that in all things at all times,

having all that you need, you will abound in every good work. As it is written: ‘He has scattered abroad his gifts to the poor; his righteousness endures forever.’


“God is able to make all grace abound to you, so that in all things at all times,

having all that you need, you will abound in every good work. As it is written: ‘He has scattered abroad his gifts to the poor; his righteousness endures forever.’




“Now he who supplies seed to the sower and bread for food will also supply and increase your store of seed and will enlarge the harvest of your righteousness. You will be made rich in every way so that you can be generous on every occasion.” 2 Corinthians 9:6-11


“Now he who supplies seed to the sower and bread for food will also supply and increase your store of seed and will enlarge the harvest of your righteousness. You will be made rich in every way so that you can be generous on every occasion.” 2 Corinthians 9:6-11



5. To whom should we give?A. Give to the local church, Christian workers

and ministries.

“Pastors who do their work well should be paid well and should be highly appreciated, especially those who work hard at both preaching and teaching.” 1 Timothy 5:17, TLB


and ministries.

“Pastors who do their work well should be paid well and should be highly appreciated, especially those who work hard at both preaching and teaching.” 1 Timothy 5:17, TLB




and ministries.

“The Lord has commanded that those who preach the gospel should receive their

living from the gospel.” 1 Corinthians 9:14


and ministries.

“The Lord has commanded that those who preach the gospel should receive their

living from the gospel.” 1 Corinthians 9:14



5. To whom should we give?B. Give to the poor.

“The King will say . . . ‘I was hungry and you gave me something to eat, I was thirsty and you gave me something to drink’. . . then the righteous will answer him, ‘Lord, when did we see you hungry, and feed you,

or thirsty and give you something to drink?’. . .


“The King will say . . . ‘I was hungry and you gave me something to eat, I was thirsty and you gave me something to drink’. . . then the righteous will answer him, ‘Lord, when did we see you hungry, and feed you,

or thirsty and give you something to drink?’. . .




“The King will reply, ‘I tell you the truth, whatever you did for one of the least of these brothers of mine, you did for me . . .’” Matthew 25:34-45


“The King will reply, ‘I tell you the truth, whatever you did for one of the least of these brothers of mine, you did for me . . .’” Matthew 25:34-45




“Whoever is kind to the needy honors God.” Proverbs 14:31


“Whoever is kind to the needy honors God.” Proverbs 14:31

II. SavingII. Saving

1. Scripture encourages saving.

“The wise man saves for the future, but the foolish man spends whatever he gets” Proverbs 21:20, TLB

1. Scripture encourages saving.

“The wise man saves for the future, but the foolish man spends whatever he gets” Proverbs 21:20, TLB

1. Scripture encourages saving.A. Save only if also giving.

“The ground of a certain rich man produced a good crop. He thought to himself, ‘What shall I do? I have no place to store my crops.’ Then he said, ‘This is what I’ll do. I will tear down my barns and build larger ones, and there I will store all my grain and my goods. And I’ll say to myself,


“The ground of a certain rich man produced a good crop. He thought to himself, ‘What shall I do? I have no place to store my crops.’ Then he said, ‘This is what I’ll do. I will tear down my barns and build larger ones, and there I will store all my grain and my goods. And I’ll say to myself,



“You have plenty of good things laid up for many years. Take life easy; eat, drink and be merry.”’ But God said to him, ‘You fool! This very night your life will be demanded from you.’ . . . This is how it will be for anyone who stores up things for himself but is not rich toward God. . . .


“You have plenty of good things laid up for many years. Take life easy; eat, drink and be merry.”’ But God said to him, ‘You fool! This very night your life will be demanded from you.’ . . . This is how it will be for anyone who stores up things for himself but is not rich toward God. . . .



“For where your treasure is, there your heart

will be also.” Luke 12:16-21, 34


“For where your treasure is, there your heart

will be also.” Luke 12:16-21, 34


1. Scripture encourages saving.B. Save regularly.

“Steady plodding brings prosperity; hasty speculation brings poverty.” Proverbs 21:5, TLB

You do not have to earn a lot of money;rather, save consistently.

1. Scripture encourages saving.B. Save regularly.

“Steady plodding brings prosperity; hasty speculation brings poverty.” Proverbs 21:5, TLB

You do not have to earn a lot of money;rather, save consistently.


1. Scripture encourages saving.C. How much should we save?

“Let Pharaoh appoint commissioners over the land to take a fifth of the harvest of Egypt during the seven years of abundance.” Genesis 41:34

1. Scripture encourages saving.C. How much should we save?

“Let Pharaoh appoint commissioners over the land to take a fifth of the harvest of Egypt during the seven years of abundance.” Genesis 41:34


1. Scripture encourages saving.D. What to save for.




Save for unexpected emergencies.


Save for unexpected emergencies.



Save for unexpected emergencies.Save for major purchases.


Save for unexpected emergencies.Save for major purchases.



Save for unexpected emergencies.Save for major purchases.Save for longer-term needs.


Save for unexpected emergencies.Save for major purchases.Save for longer-term needs.


1. Scripture encourages saving.E. Investments.

(1) Avoid risky investments.

“There is another serious problem I have seen everywhere—savings are put into risky investments that turn sour, and soon there is nothing left to pass on to one’s son.



“There is another serious problem I have seen everywhere—savings are put into risky investments that turn sour, and soon there is nothing left to pass on to one’s son.




“The man who speculates is soon back to where he began—with nothing. This, as I said, is a very serious problem, for all his hard work has been for nothing; he has been working for the wind. It is all swept away.” Ecclesiastes 5:13-16, TLB



“The man who speculates is soon back to where he began—with nothing. This, as I said, is a very serious problem, for all his hard work has been for nothing; he has been working for the wind. It is all swept away.” Ecclesiastes 5:13-16, TLB



(1) Avoid risky investments.(2) Diversify investments.

“Divide your portion to seven, or even to eight, for you do not know what misfortune may occur on the earth.” Ecclesiastes 11:2, NASB


(1) Avoid risky investments.(2) Diversify investments.

“Divide your portion to seven, or even to eight, for you do not know what misfortune may occur on the earth.” Ecclesiastes 11:2, NASB


II. InvestingII. Investing

Ensure a surplus

Eliminate all high-interest & short-term debt

Create freedom account of 3-6 months living expenses

Save for major purchases

Car

Home

Furniture

Diversify to meet long term goals

Retirement

College

Business

Financial

ind.

Invest in higher risk ventures

New business, venture capital, hard assets

Economic Conditions

Biblical Principles

Level 1

Level 2

Level 3

Level 4

Level 5

Level 6

Investing hierarchy

1. Scripture encourages saving.F. Get-rich-quick schemes and gambling.

“A man with an evil eye hastens after wealth, and does not know that want will come upon him.” Proverbs 28:22, NASB


“A man with an evil eye hastens after wealth, and does not know that want will come upon him.” Proverbs 28:22, NASB



Make a commitment never to gamble,even for entertainment. We should notexpose ourselves to the risk of becomingcompulsive gamblers, nor should wesupport an industry that enslaves so many.


Make a commitment never to gamble,even for entertainment. We should notexpose ourselves to the risk of becomingcompulsive gamblers, nor should wesupport an industry that enslaves so many.


SESSION 6

Honesty/Integrity/Eternity

SESSION 6

Honesty/Integrity/Eternity

I. Honesty/IntegrityI. Honesty/Integrity

The word integrity comes from the mathematics word integer, which means “to be whole and unified, to be complete and open, to be undivided, without duplicity or pretense.” It means to be “consistent.” What is on the inside is shown on the outside.

The word integrity comes from the mathematics word integer, which means “to be whole and unified, to be complete and open, to be undivided, without duplicity or pretense.” It means to be “consistent.” What is on the inside is shown on the outside.

A person of integrity keeps his word even if it hurts him. His public and private standards are the same.

A person of integrity keeps his word even if it hurts him. His public and private standards are the same.


“The secret of life is honesty and fair dealing... if you can

fake that, you’ve got it made.”

Groucho Marx

1. God wants us to be completely honest.

“The Lord detests lying lips.” Proverbs 12:22

“The Lord hates . . . a lying tongue.” Proverbs 6:16-17


1. God wants us to be completely honest.

“The Lord detests lying lips.” Proverbs 12:22

“The Lord hates . . . a lying tongue.” Proverbs 6:16-17



2. God has established the standard of honesty.A. Truthfulness is one of God’s attributes.

Jesus said, “I am . . . the truth.” John 14:6

And the Lord commands us to reflect Hishonest and holy character:

“Be holy in all you do; for it is written, ‘Be holy, because I am holy.’” Peter 1:15-16

2. God has established the standard of honesty.A. Truthfulness is one of God’s attributes.

Jesus said, “I am . . . the truth.” John 14:6

And the Lord commands us to reflect Hishonest and holy character:

“Be holy in all you do; for it is written, ‘Be holy, because I am holy.’” Peter 1:15-16


2. God has established the standard of honesty.B. We cannot be dishonest and love God.

“He whose walk is upright fears the Lord, but he whose ways are devious despises him.” Proverbs 14:2

2. God has established the standard of honesty.B. We cannot be dishonest and love God.

“He whose walk is upright fears the Lord, but he whose ways are devious despises him.” Proverbs 14:2


2. God has established the standard of honesty.C. We cannot be dishonest and love our

neighbor.

“The commandments . . . ‘Do not steal,’ ‘Do not covet,’ and whatever other commandment there may be, are summed up in this one rule: ‘Love your neighbor as yourself.’ Love does no harm to its neighbor.” Romans 13:9-10

2. God has established the standard of honesty.C. We cannot be dishonest and love our

neighbor.

“The commandments . . . ‘Do not steal,’ ‘Do not covet,’ and whatever other commandment there may be, are summed up in this one rule: ‘Love your neighbor as yourself.’ Love does no harm to its neighbor.” Romans 13:9-10


2. God has established the standard of honesty.D. Integrity pleases God.

“I know, my God, that you test the heart and are pleased with integrity.” 1 Chronicles 29:17

2. God has established the standard of honesty.D. Integrity pleases God.

“I know, my God, that you test the heart and are pleased with integrity.” 1 Chronicles 29:17


2. God has established the standard of honesty.E. Integrity provides security.

“The man of integrity walks securely, but he who takes crooked paths will be found out.” Proverbs 10:9

2. God has established the standard of honesty.E. Integrity provides security.

“The man of integrity walks securely, but he who takes crooked paths will be found out.” Proverbs 10:9


2. God has established the standard of honesty.F. Integrity establishes credibility so that

evangelism can be effective.

“So that you may become blameless and pure, children of God without fault in a crooked and depraved generation, in which you shine like stars in the universe.” Philippians 2:15

2. God has established the standard of honesty.F. Integrity establishes credibility so that

evangelism can be effective.

“So that you may become blameless and pure, children of God without fault in a crooked and depraved generation, in which you shine like stars in the universe.” Philippians 2:15


2. God has established the standard of honesty.G. Integrity provides guidance and confirms

God’s direction.

“The integrity of the upright guides them, but the unfaithful are destroyed by their duplicity.” Proverbs 11:3


God’s direction.

“The integrity of the upright guides them, but the unfaithful are destroyed by their duplicity.” Proverbs 11:3



God’s direction.

“Put away from you a deceitful mouth, and put devious speech far from you. Let your eyes look directly ahead and let your gaze be fixed straight in front of you. Watch the path of your feet and all your ways will be established.” Proverbs 4:24-26, NASB


God’s direction.

“Put away from you a deceitful mouth, and put devious speech far from you. Let your eyes look directly ahead and let your gaze be fixed straight in front of you. Watch the path of your feet and all your ways will be established.” Proverbs 4:24-26, NASB


3. God requires complete honesty from leaders.3. God requires complete honesty from leaders.


3. God requires complete honesty from leaders.A. A dishonest leader produces dishonest

followers.

“If a ruler listens to lies, all his officials become wicked.” Proverbs 29:12

3. God requires complete honesty from leaders.A. A dishonest leader produces dishonest

followers.

“If a ruler listens to lies, all his officials become wicked.” Proverbs 29:12


3. God requires complete honesty from leaders.B. Dishonesty should disqualify a person

from leadership.

“Select capable men from all the people— men who fear God, trustworthy men who hate dishonest gain—and appoint them as officials . . .” Exodus 18:21

3. God requires complete honesty from leaders.B. Dishonesty should disqualify a person

from leadership.

“Select capable men from all the people— men who fear God, trustworthy men who hate dishonest gain—and appoint them as officials . . .” Exodus 18:21


3. God requires complete honesty from leaders.C. Integrity prolongs leadership.

“A leader . . . who hates unjust gain will prolong his days.” Proverbs 28:16, NASB

3. God requires complete honesty from leaders.C. Integrity prolongs leadership.

“A leader . . . who hates unjust gain will prolong his days.” Proverbs 28:16, NASB


D. Bribes.

“Do not accept a bribe, for a bribe blinds those who see and twists the words of the

righteous.” Exodus 23:8

“A wicked man accepts a bribe in secret to pervert the course of justice.” Proverbs 17:23

D. Bribes.

“Do not accept a bribe, for a bribe blinds those who see and twists the words of the

righteous.” Exodus 23:8

“A wicked man accepts a bribe in secret to pervert the course of justice.” Proverbs 17:23


3. God requires complete honesty from leaders.E. Blessings and curses.

(1) Blessings for the honest:

• A more intimate relationship withthe Lord.

“For the devious are an abomination to the Lord; but He is intimate with the upright.” Proverbs 3:32, NASB



• A more intimate relationship withthe Lord.

“For the devious are an abomination to the Lord; but He is intimate with the upright.” Proverbs 3:32, NASB




• Blessings on the family.

“The righteous man leads a blameless life; blessed are his children after him.” Proverbs 20:7



• Blessings on the family.

“The righteous man leads a blameless life; blessed are his children after him.” Proverbs 20:7




• Full life.

“Truthful lips endure forever, but a lying tongue lasts only a moment.”

Proverbs 12:19



• Full life.

“Truthful lips endure forever, but a lying tongue lasts only a moment.”

Proverbs 12:19




• Abundance.

“The house of the righteous contains great treasure, but the income of the wicked brings them trouble.” Proverbs 15:6



• Abundance.

“The house of the righteous contains great treasure, but the income of the wicked brings them trouble.” Proverbs 15:6



(2) Curses reserved for the dishonest:

• Alienation from God.

“For the devious are an abomination to the Lord.” Proverbs 3:32, NASB



• Alienation from God.

“For the devious are an abomination to the Lord.” Proverbs 3:32, NASB




• Trouble with family.

“A greedy man brings trouble to his family.” Proverbs 15:27



• Trouble with family.

“A greedy man brings trouble to his family.” Proverbs 15:27




• Shorter life.

“A fortune made by a lying tongue is a fleeting vapor and a deadly snare.” Proverbs 21:6



• Shorter life.

“A fortune made by a lying tongue is a fleeting vapor and a deadly snare.” Proverbs 21:6




• Lack of abundance.

“Dishonest money dwindles away.” Proverbs 13:11



• Lack of abundance.

“Dishonest money dwindles away.” Proverbs 13:11


II. EternityII. Eternity

1. Life on earth is brief.

“What is your life? You are a mist that appears for a little while and then vanishes.” James 4:14

1. Life on earth is brief.

“What is your life? You are a mist that appears for a little while and then vanishes.” James 4:14


2. Number your days on earth.

“The length of our days is seventy years— or eighty, if we have the strength. . . . Teach us to number our days aright, that we may gain a heart of wisdom.” Psalm 90:10, 12

2. Number your days on earth.

“The length of our days is seventy years— or eighty, if we have the strength. . . . Teach us to number our days aright, that we may gain a heart of wisdom.” Psalm 90:10, 12


3. Life is short, eternity is long, and what we doduring our short life lasts forever.

“For we will all stand before God’s judgment seat. . . . So then, each of us will give an account of himself to God.” Romans 14:10-12


“For we will all stand before God’s judgment seat. . . . So then, each of us will give an account of himself to God.” Romans 14:10-12



Scripture also teaches us that all believers in Christ will gain or lose eternal rewards.“Work will be shown for what it is, because the Day will bring it to light . . . the fire will test the quality of each man’s work. If what he has built survives, he will receive his reward. If it is burned up, he will suffer loss.” 1 Corinthians 3:13-15


Scripture also teaches us that all believers in Christ will gain or lose eternal rewards.“Work will be shown for what it is, because the Day will bring it to light . . . the fire will test the quality of each man’s work. If what he has built survives, he will receive his reward. If it is burned up, he will suffer loss.” 1 Corinthians 3:13-15

Consequences of Breaking Your IntegrityConsequences of Breaking Your Integrity

A. I will dishonor the Lord who has saved me, called me and given me His name.A. I will dishonor the Lord who has saved me, called me and given me His name.


A. I will dishonor the Lord who has saved me, called me and given me His name.B. I will cause pain and shame to my family, losing the respect

and trust they have in me.


and trust they have in me.



and trust they have in me.C. My sin will be revealed, and I will be held accountable.


and trust they have in me.C. My sin will be revealed, and I will be held accountable.



and trust they have in me.C. My sin will be revealed, and I will be held accountable.D. I will destroy my example and credibility in my family,

my church and society.



my church and society.




my church and society.E. I will put a terrible weight on my shoulders, lose my

self-respect, and bring shame and embarrassment to myself.




self-respect, and bring shame and embarrassment to myself.





self-respect, and bring shame and embarrassment to myself.F. I will experience an agony of heart and soul that is a

thousand times greater than the momentary advantage orpleasure gained from sin.












G. I will jeopardize the faithful testimony and work of manyyears of other Christians in my community.














H. I will give Satan, my enemy and God’s enemy, the greatestjoy I could ever give.







H. I will give Satan, my enemy and God’s enemy, the greatestjoy I could ever give.


Survey - 1 year after completing Compass study

Amount of debt reduced: $19,500

Amount of savings increased: $ 7,907

5 Income given before Compass: 2.80%

% Income given after Compass: 7.20%

increased prayer life after Compass: 71%

Increased Bible study after Compass: 56%

Increased serving others after Compass: 64%

Increase those who have current Will: 22%

Compass courses and studies

Business By The Book

DVD workshop

Children’s Resources

bible on money. session 1: vision, value, & programs session 2: gods & our responsibilities...

Documents

money slide

gods responsibilities

responsibilities session

greed slide

nasb slide

gods possessions

financial compass slide

money haggai