Basic financial principles for the church

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Basic Financial Principles for the

ChurchDeveloped for

The Church at Tatesbrookfor use in small groups

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Why Study Finances?• 1800 references to money in Bible• Financial problems are a factor in 80%

of divorces.• How we handle money demonstrates

our values to a lost world.• Desire for material possessions is

large chain to the world.

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Resources Used for Study• The Word• Christian Authors

– Larry Burkett– Russ Crossen– George Fooshee– Ron Blue– Austin Pryer– Howard Dayton

• Experience• Periodicals

0 500,000 1,000,000 1,500,000

Bible

Books

Experience

Periodicals

Sentences

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Our Values to a Lost World

• Selfishness -- Cooperation• Pride -- Humility• Self Control -- Impulsiveness• Trusting God -- Rebellion or Independence• Greed -- Generosity• Sacrifice -- Immediate Self-gratification• Kingdom Values -- Earthly Values• Order -- Disorder

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Different Spending Types

0% 20% 40% 60% 80% 100%

Cheap Average Sloppy

The Average Spender needs a budget

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Combatants or Companions

Go to Bed Late Go to Bed Early

Always Littering Always Cleaning

Terrible sense of direction

Always knows where they are

Spend I nvest

Never talks at parties

Never stops talking at parties

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DISC Personality Test

• Dominant• Influencing• Steady• Conscientious

0

10

20

30

40

50

60

D I S C

Husband Wife

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Five Basic Principles• God owns everything• Give to God cheerfully• Spend less than you make• Spend only on good things• Teach your children

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God Owns Everything• You must understand that God owns

everything• Nothing is yours, Nothing is mine• Nothing is his, Nothing is hers• God’s plan for a family is to manage

His assets

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The Earth is the Lord’s• I Corinthians 10:26

– For the earth is the Lord’s and all it contains

• Psalm 24– The earth is the Lord’s and all it contains,

the world and those who dwell in itFor He has founded it upon the seas, and established it upon the rivers

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God as the Owner• Garden of Eden - Genesis 1-3• Vineyard - Matthew 20:1-16• Landowner - Matthew 21:33• Unrighteous Steward - Luke 16:1-

13• Nobleman - Luke 19:11-27

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Ownership Produces Greed

• Greed is a dangerous tool of the devil

• African Monkey Trap• Coon Trap• Hold things loosely

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Work for the Lord• Whatever you do, do your work

heartily, as for the Lord rather than for men; knowing that from the Lord you will receive the reward of the inheritance. It is the Lord Christ whom you serve.

Colossians 3:23-24

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God Owns the Following• Your Employer or

Company• Your Insurance

Company• Your Retirement

Account Management

company• Your Doctor, Dentist• Your Bank• Your Utility company• Your Boss• Your Waiter

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Problems with Insurance• Problems

– Robbing from insurance companies• extra health care• car repair• would you do it if you had to pay?

– Transfer of Trust• Ideas for Avoiding Problems

– High Deductibles

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Transfer of Trust• And call upon Me in the day of trouble; I shall rescue you, and

you will honor Me.Psalm 50:15

• Whom have I in heaven but Thee?Psalm 73:25

• For there was not a needy person among them, for all who were owners of land or houses would sell them and bring the proceeds of the sales, and lay them at the apostles’ feet; and they would be distributed to each, as any had need.

Acts 4:34-35

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Life Insurance• Why?• How much?• Term Vs Whole

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Things

We make things in order to earn things so that we can trade for bigger things and things that we can put

our things in and things to make other things look better. We buy things with wheels and things to make

our things with wheels go faster and things to play in and things with wheels to carry our things we play

in and we make wider things to store more things with wheels. Then we move our things with wheels

outside because we don't have room for the things for our children so we build things to set our things

on and things to hang our things on and things to organize are things so we can find our things quickly.

Then we collect things that other thing collectors don't want anymore or are willing to trade so that they

can collect bigger things. We may actually use these things but more than likely we just put them with

other things on things that we buy to display our things so that other people can see our things. When

our things are really important, we hide them in thing hiders and thing savers so that thing takers don't

get them.

Just in case a thing taker would take our things, we make things in order to earn things so that we can

trade some things for thing insurance that would replace our taken things with comparable things. Isn't

that something?

When we go to the thing store, we see things we need and things we think we need. We see things we

have to have and things we want. We see things that would make life easier and things that would make

life more fun. Usually we come home with a pile of things that make us go out and make things in order

to earn things so that we can pay off our plastic things that we used to buy the things at the thing store.

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Week 1: Questions• What is a steward?• Are you a spender or a hoarder?• What type of “DISC” personality are you?• What do you expect from this class?• What is a tithe?• How are you managing your best friend’s checking

account?• Should you tithe on net or gross income?

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Week 1: Scripture• Matthew 6:33• Proverbs 22:3• Matthew 7:9-11• Luke 16:10• Colossians 3:23

• Psalm 50:10• Psalm 50• Psalm 24• I Corinthians

10:26

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Five Basic Principles• God owns everything• Give to God cheerfully• Spend less than you make• Spend only on good things• Teach your children

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Give to God Cheerfully• Let each one do just as he has

purposed in his heart; not grudgingly or under compulsion; for God loves a cheerful giver.

II Corinthians 9:7

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Principle of the Cross• Its not what you get out of the

deal that matters, its what others get out of the deal that matters.

- Paraphrased from Bob Warren

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God’s Plan to Reach the Lost• Philippians 4

Nevertheless, you have done well to share with me in my affliction. You yourselves also know that at the first preaching of the gospel, after I left Macedonia, no church shared with me in the matter of giving and receiving but you alone; for even in Thessalonica you sent a gift more than once for my needs. Not that I seek the gift itself, but I seek for the profit which increases to your account. But I have received everything in full and have an abundance

• Acts 2And all those who had believed were together and had all things in common; and they began selling their property and possessions and were sharing them with all, as anyone might have need.

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Who is the Receiver?• The willingness to surrender to God a portion of

what we have is the external evidence of an internal commitment.

Larry Burkett

• There is one who scatters, yet increases all the more, and there is one who withholds what is justly do, but it results only in want

Proverbs 11:24

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No Guaranteed Results• He causes His sun to rise on

the evil and the good, and sends rain to the righteous and the unrighteous.

Matthew 5:45

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The Principle of Tithing• Based on a response to a relationship acknowledging our

wonderful standing with our Heavenly Father• Accepting the place of respect and participation in God’s family

which the Lord has given to us• Ten percent is nothing more than the beginning investment• Cultural African Baskets:

– Tithes– Offerings– Special Gifts / Trades

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Cain’s Misunderstanding• Abel gave God what God wanted• Cain gave God what Cain wanted to give

God• Cain was jealous of Abel because of

God’s response to Abel’s gift• Cain hated Abel

Genesis 4

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Steps to Trusting God• Give a tithe• Give an offering

– Make a contract with God about future increases

• Demonstrate to yourself and your family that you trust God

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Giving or Saving• Giving pays eternal dividends• Savings pays compounded interest• God can accomplish both

– And God is able to make all grace abound to you, that always having all sufficiency in everything, you may have an abundance for every good deed;

2 Corinthians 9:8

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Giving or Spending

Most people spend more on transportation than Kingdom work

2004

22%

30%17%

4%

5%

3%2%

6%4%

4%3%0%0%

ContributionsShelterTaxesTransportationFoodAppearanceEducationRecreationAllowanceGiftsHealthKids/PetsWork

1988

9%

19%

27%

21%

5%

2%

6%

2%4%2%2%0%1%

ContributionsShelterTaxesTransportationFoodAppearanceEducationRecreationAllowanceGiftsHealthKids/PetsWork

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Three Theologies Contrasted

Poverty Prosperity Stewardship

View of Prosperity Non- materialistic, disdain f or possesions

Prosperity is the reward of the righteous

Possessions are a trust given in varying proportions

I n a word, possessions are:

A Curse A Right A privilege

Scriptural Reference Sell, give to poor (rich young ruler) Luke 18:18-22

Ask, seek, and knock Matthew 7:7,8

Parable of the talents Matthew 25:14-30

Mitigation I n house of wise are stores of choice f ood and

oil, but a f oolish man devours all he has.

Proverbs 21:20

Don’t wear yourself out to get rich.

Proverbs 23:4,5

None

Needs met by: “Caref ree attitude”, don’t worry, seek kingdom fi rst

Matthew 6:25-34

“Transaction” tithe f or a blessing

Malachi 3:10

“Faithful administration” I Cor 4:2

Matthew 25:21,23

Concept Rejecter Owner Steward

Attitude Toward Poor We are We owe We care

Preoccupation Daily needs Money Wisdom

Attitude Toward Possessions

Caref ree Proverb 3:5,6

Driven Proverbs 10:17

Faithf ul Luke 16:10, 11

Sound Mind Investing, Austin Pryor, March 2001

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Week 2: Questions

• Can you live better with 100 cursed dollars than you would with 90 blessed dollars?

• How can you give uncheerfully?• Should we tithe on our net or gross?• Does God really need our money?• How do you handle variable income?

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Week 2: Scripture• Malachi 3:8-12• Proverbs 15:16• Proverbs 3:9-10• Proverbs 11:24• Matthew 12:7• Luke 11:42

• Philippians 4:14-18• 2 Corinthians 9:6-8

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Five Basic Principles• God owns everything• Give to God cheerfully• Spend less than you make• Spend only on good things• Teach your children

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Spend Less Than You Make

• Trust God to provide income.• Do not spend more than God

provides.• Happiness is a positive cash flow.• The problem is always outgo,

never income.

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Witness to the World

• Lender is authority over borrowerProverbs 22:7

• Give honor to our authoritiesRomans 13:1

• Only the wicked borrow and do not repay

Psalm 37:21

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The Debtor is a Slave

950 BC … The rich rule over the poor, and the borrower becomes the lender’s slave.

Proverbs 22:7

30 AD … The lender was given authority to imprisonment, slavery and the confiscation of a borrower’s total worldy possessions

1920 … Abraham Johnson, white male, commended to debtor’s prison for a period of six years, or until the debt is resolved, for failure to pay the agreed-upon sum of $200 for a mule.

Today ...

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Biblical Principles of Borrowing

• Debt is not normal– Deuteronomy 28:1,12

• Do not accumulate long term debt– Deuteronomy 15:1-2

• Avoid Surety– Do not co-sign a loan for someone else– Make sure down payment will cover worst case

depreciation– Do not use a credit card for any item that is not in your

budget• Make an absolute commitment to repay

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“Me” Generation has weak definition of

Commitment• When situations arise that make it difficult to repay a bill, it is acceptable to not pay it.

• When a product does not perform to our expectations, we demand a refund, regardless of terms of purchase

• When we commit to a job, we expect good pay, a guaranteed retirement program, promotion to just be matter of time, forty hours a week maximum, the last of each day to make the transition to home easier, a ten minute coffee break to last half an hour, a half hour lunch to last an hour and a half, and an equal share of the company profits

• When an individual is not satisfied with a marriage, divorce is acceptable• When we can’t make ends meet, we go bankrupt. It must be OK, or the

government would not let us do it.• Do “WE,ME” know how to commit to God?

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Common Reasons for Overspending

• Ignorance - Proverbs 27:23• Communication - I Peter 3:7• Greed - Proverbs 13:18

– Impulse Buying

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Rules to Avoid Impulse Buys

• Wait 30 days• Pray, Consult with small group• Compare prices at 3 other locations• Only consider one impulse item at a

time• Never use credit card

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Financial Planning• Short Term Budget

– spend less than you make• Long Term Budget

– spend wiser– build surplus

• Retirement– making surplus last

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Short Term Budget• Get out of Debt• Spend less than you make• Establish a surplus

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Long Term Budget

• Many people think they have a budget, but in reality what they have is a detailed spending record

• Keys to making it successful– Prayer– Communication

• Daily• Yearly

– Wise Counsel --- Accountability

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Keeping a Budget• You need good Records• Provides Financial Freedom

– Fence around playground• Measurement of your financial plan• Allows you to learn from your

mistakes

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Poor Excuses not too Budget

• Ignorance• Laziness• Too much money

– Sloppiness– Need “Value of Money” reference

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Testimonies of Budgeting

• Able to work more efficiently• Surplus for family and the Lord’s

work• Peace in our lives for the first time

ever

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Budget FormIncome Salary Monthly Budget

Taxable Interest

Other

Taxable Income $0.00

Expenses Contributions $0.00 Malachi 3:6-12

Tithe $0.00

Giving

Taxes $0.00 Romans 13:6-8

Federal Honesty, Itemize, Taxed deferred investments,

FICA Budgeting for entire year instead of just tax time

State

Local

Shelter $0.00 Exodus 20:17, Proverbs 24:27

Mortgage or rent Luke 6:46-49

Insurance Consider the long term debt -- budget for now and future

Property taxes Do your own maintenance -- have friends over

Electricity Live with parents

Gas House sit

Water Care for elderly

Sanitation Financing

Telephone Heat low (sweaters) Cool high (shorts)

Maintenance Turn off the lights

Improvements

Furniture

Food $0.00 Make a menu, it reduces eating out

Groceries Make a list for shopping

Restaurants Less spontaneous spending (junk food)

Fewer trips to the store

Less money for transportation

Less spontaneous spending (junk food)

Don't always buy name brand

Use coupons (like nontaxable income)

Pack Lunches (can save $80/month/person)

Effective use of leftovers

Gardening

Don't shop while hungry (junk food)

See Joje Leahy

Health $0.00

Life Insurance Ask employer for group rates

Health Insurance

Dental

Medical

Drugs

Glasses

Transportation $0.00 Raise deductibles on insurance

Payments Reduce coverage as you can afford it

Gas Keep cars longer (sales tax, off lot depreciation)

Insurance Buy used cars (depreciation)

Maintenance Routine maintenance (pay me now, pay me later)

Licenses Plan efficient trips to mall or errands

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Week 3: Questions• Have you discussed your financial

future?• Have you appointed a bookkeeper?• Can you balance a check book?• Have you memorized the five basic

principles?

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Week 3: Scripture• Luke 16:10• Luke 14:28• Proverbs 24:3-4• Proverbs 22:7• Proverbs 15:22

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Five Basic Principles• God owns everything• Give to God cheerfully• Spend less than you make• Spend only on good things• Teach your children

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Good Things or Bad Things?

• Now the deeds of the flesh are evident, which are immorality, impurity, sensuality, idolatry, sorcery, enmities, strife, jealousy, disputes, outbursts of anger, dissensions, factions, envying, drunkenness, carousing, and things like these, of which I forewarn you just as I have forewarned you that those who practice such things shall not inherit the kingdom of God. But the fruit of the spirit is love, joy, peace, patience, kindness, goodness, faithfulness, gentleness, self-control, against such things there is no law. Now those who belong to Christ Jesus have crucified the flesh with its passions and desires. If we live by the Spirit let us also walk by the Spirit. Let us not become boastful, challenging one another, envying one another.

Galatians 5:19-26

• Finally, brethren, whatever is true, whatever is honorable, whatever is right, whatever is pure, whatever is lovely, whatever is of good repute, if there is any excellence and if anything worthy of praise, let your mind dwell on these things. The things you have learned and received and heard and seen in me, practice these things; and the God of peace shall be with you.

Philippians 4:8-9

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Good Things for a Surplus• Rejoice, its God’s Intention

II Chronicles 16:9, Psalm 37:4, Proverbs 8:21

• Further God’s WorkActs 4:34

• Family ResponsibilityI Timothy 5:8

• Save for Future Work– College cost I

Timothy 6:17-19– Funding for Mission Work– Time for Volunteer Work

– Retirement

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Bad Things to Avoid(Rich Robbing from the Poor)

• Credit Cards• Lottery• Gambling• Rent-A-Center• Home Equity Loans• Car Leases• Automatic Overdrafts• Cigarettes

• Enhanced Cable / Satellite

• Full Price Movies• Cell Phones ( any

consumer gadget )• There’s an app for

that

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Handling Abundance and Need• But I rejoice in the Lord greatly, that now at last you have revived

your concern for me; indeed, you were concerned before but you lacked opportunity, not that I speak from want, for I have learned to be content in whatever circumstances I am. I know how to get along with humble means, and I also know how to live in prosperity; in any and every circumstance I have learned the secret of being filled and going hungry, both of having abundance and suffering need. I can do all things through Him who strengthens me.

Philippians 4:10-13

• And my God shall supply all your needs according to His riches in glory in Christ Jesus.

Philippians 4:19

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Our Values to a Lost World

• “What a believer does is not who he is, even though who he is has a tremendous impact on what he does”

– Bob Warren

• “Live simply so that others can simply live”– Tony Campolo

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Wise, Consistent Counsel Working for Kingdom

• Insurance Agent• Real Estate Agent• Financial

Consultant• Banker

Interview them, let them know you are different from the

world

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Danger Signs• Independent Spirit - Genesis 2:24• Lack of Communication - Luke 14:28• Unexplained Fatigue - Proverb 15:16• Irresponsibility• Ostrich Imitation - Proverbs 15:19• Religious Escape - Luke 16:12

– “Trust God to provide”– Bird in the field syndrome

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Danger Signs - Continued• Overcommitent - Psalm 127:2• Indulgence - Proverbs 13:8• Parent Loans - • Working Wife - Ecclesiastes 5:10• No tithe - Malachi 3:10• Income equals outgo - Proverbs 21:20

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Week 4: Questions• Are you supporting tools of the

Devil?• Can God use the things you

purchase?• How does a lost world view you as

different?• Do you pray about your

purchases?

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Week 4: Scripture• Luke 16: 10-11• Daniel 3:17-18• Proverbs 14:12• Colossians 3:23

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Five Basic Principles• God owns everything• Give to God cheerfully• Spend less than you make• Spend only on good things• Teach your children

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Teach Your Children• Train up a child in the way he

should go, even when he is old he will not depart from it.

Proverbs 22:6

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Who are your children?• Paul, an apostle of Christ Jesus according to the commandment of

God our Savior, and of Christ Jesus, who is our hope; to Timothy, my true child in the faith; Grace, mercy and peace from God the Father and Christ Jesus our Lord

I Timothy 1:1-2• My little children, I am writing these things to you that you may

not sin. And if anyone sins, we have an Advocate with the Father, Jesus Christ the righteous.

I John 2:1

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What are you teaching?• Your children are watching

– Illusions of easy life based on debt– Money grows on trees– “Only the best”

• Your children are listening– Arguments– Accusations, placements of blame

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Generational Degradation• In 1995, with credit, we tried to accumulate in a

few years what our parents accumulated over 30 years while we were living with them.

• In 2005, each child is subjected to 10,000 advertising messages every month, only 1,000 messages from a parent

• In 2015, with credit, rent, embezzlement and theft, our children will try to accumulate immediately what we accumulated in the few years before they were born not pursue what we pursued.

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The “Value of Money”• Picking Potato bugs (Kevin)

• Cleaning the barber shop (Kevin)

• Negotiated Good Grade Payment (Michael)

• Mowing grass (Henderson)

• Sold Pet Rock for 10 cents (Dacian)

• Lunch Money Surplus (Travis)

• Selling Toothpicks (Matt)

• Wrapping Packages (Kim)

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Jobs for Children• Pay only for jobs completed

– clear definition of job– honor authority

• Pay only for quality work– honor authority– do best possible job

• Pay fair amount– Overpayment is disincentive for jobs outside the home

• Visual reinforcement– Easier to understand– Long lasting impact

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Allowance• For even when we were with you, we used to give

you this order: if anyone will not work, neither let him eat.

II Thessalonians 3:10

• Reward extra effort– Different rewards for different children with different

personalities– The hardworking farmer ought to be the first to receive

his share of the cropsII Timothy 2:6

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Age Appropriate Guidelines

• Age 1 - 10– Show them, Tell them, Teach them

• Age 11 - 16– Encourage them, test them

• Age 17 - 21– Pray for them, guide them to the correct

career, counsel them wisely when asked

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Last Will and Testament• Distribute your Wealth• Communicate Values to Receiver• Communicate Values to those who

take on your responsibilities

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Week 5: Questions• Can your children state your

views?• Do they know you live like you

talk?• Will your children try to

accumulate in one year all the things you have accumulated in 25 years?

• Will your children be able to be happy if they don’t have your income?

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Week 5: Scripture• Proverbs 22• I John 2• Proverbs 29• Proverbs 3:12• Proverbs 16:26

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754/5/2014

AlumniClass of 2000

– Matt & Kim Hind– Gadis & Kelley Thomas– Chris & Jenny Bruner– Tony & Allie Lucas– April Fields– Bret Ledbetter

Youth Class of 2002– Bobby Leahy– Rene Leahy– Kristin Hosea– Whitney Fields– Chuck Horning– Josh Kheradmand– Katie Rogers– Courtney Moffitt– Gaddis & Kelley

Thomas– Tammy

Kheradmand

Class of 2003– Brian & Eileen Bietz– Josh & Kresta Wilson– Tim & Linda Scott– Brady Hudson– Rust Banton

Class of 2005 - July– Michael & Joe Joe Harrington– Duane & Dacian Keaton– Travis & Sarah Westerfield– Tommie Martin

Class of 2004– Stu & Chris Schweitzer– Robin Potter

Class of 2005 - Nov– Brian & Eileen

Bietz– Bret Ledbetter– Tommie Martin

Class of 2001– Arthur & Lavina Kamentz– Mike & Lisa Brady

Class of 2001– Jonathan Slay

Class of 2013 - September– Brenda Jones– Ellen Smith– Elaine Smith

Class of 2011 - Feb– Paul & Tracy Barth– Kent & Amber

Billingsley– Josh & Erin Covington– Ashyln Bruce