Bible on Money
Mar 31, 2015
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
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.
A more intimate relationship with Christ is the “true riches” in life.
I. Introduction—Why should we talk about money?
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
I. Introduction—Why should we talk about money?
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
I. Introduction—Why should we talk about money?
Stewardship responsibility of the church …
Church
Poor
living
habits
Business
bondage
Generosity
Poverty
DebtRelation-
ships
I. Introduction—Why should we talk about money?
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
I. Introduction—Why should we talk about money?
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
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
II. God’s Responsibilities and Our Responsibilities
II. God’s Responsibilities and Our Responsibilities
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
II. God’s Responsibilities and Our Responsibilities
II. God’s Responsibilities and Our Responsibilities
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]
II. God’s Responsibilities and Our Responsibilities
II. God’s Responsibilities and Our Responsibilities
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
II. God’s Responsibilities and Our Responsibilities
II. God’s Responsibilities and Our Responsibilities
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
II. God’s Responsibilities and Our Responsibilities
II. God’s Responsibilities and Our Responsibilities
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
II. God’s Responsibilities and Our Responsibilities
II. God’s Responsibilities and Our Responsibilities
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
4. Our work responsibilitiesA. We are to work hard.
“Whatever your hand finds to do, do it with all your might.” Ecclesiastes 9:10
III. WorkIII. Work
4. Our work responsibilitiesA. We are to work hard.
“The precious possession of a man is diligence.” Proverbs 12:27, NASB
4. Our work responsibilitiesA. We are to work hard.
“The precious possession of a man is diligence.” Proverbs 12:27, NASB
III. WorkIII. Work
4. Our work responsibilitiesA. We are to work hard.
“One who is slack in his work is brother to one who destroys.” Proverbs 18:9
4. Our work responsibilitiesA. We are to work hard.
“One who is slack in his work is brother to one who destroys.” Proverbs 18:9
III. WorkIII. Work
4. Our work responsibilitiesA. We are to work hard.
“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
4. Our work responsibilitiesA. We are to work hard.
“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.
“Do not steal. Do not lie. Do not deceive one another.” Leviticus 19:11
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.
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
I. Before major decisions,it is wise to seek counsel.
I. Before major decisions,it is wise to seek counsel.
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
I. Before major decisions,it is wise to seek counsel.
I. Before major decisions,it is wise to seek counsel.
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
I. Before major decisions,it is wise to seek counsel.
I. Before major decisions,it is wise to seek counsel.
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
I. Before major decisions,it is wise to seek counsel.
I. Before major decisions,it is wise to seek counsel.
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
I. Before major decisions,it is wise to seek counsel.
I. Before major decisions,it is wise to seek counsel.
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
I. Before major decisions,it is wise to seek counsel.
I. Before major decisions,it is wise to seek counsel.
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.
II. Biblical truths to spending wisely II. Biblical truths to spending wisely
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
II. Biblical truths to spending wisely II. Biblical truths to spending wisely
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
II. Biblical truths to spending wisely II. Biblical truths to spending wisely
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.
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.
II. Biblical truths to spending wisely II. Biblical truths to spending wisely
3. Do not determine your spending bycomparing it to others, and be aware of theinfluence of advertising.
“Do not conform any longer to the pattern of this world, but be transformed by the renewing of your mind.” Romans 12:1-2
3. Do not determine your spending bycomparing it to others, and be aware of theinfluence of advertising.
“Do not conform any longer to the pattern of this world, but be transformed by the renewing of your mind.” Romans 12:1-2
II. Biblical truths to spending wisely II. Biblical truths to spending wisely
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
II. Biblical truths to spending wisely II. Biblical truths to spending wisely
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.
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.
II. Biblical truths to spending wisely II. Biblical truths to spending wisely
5. If you have special economic needs, theyshould be brought to the body of Christ.
“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
5. If you have special economic needs, theyshould be brought to the body of Christ.
“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
II. Biblical truths to spending wisely II. Biblical truths to spending 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.
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
II. Biblical truths to spending wisely II. Biblical truths to spending wisely
1. Commit1. Commit
A one-on-one meeting, 30 days from now…
II. Biblical truths to spending wisely II. Biblical truths to spending wisely
2. Collect2. Collect
LedgerLedger
Shoebox
II. Biblical truths to spending wisely II. Biblical truths to spending wisely
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 = __________
II. Biblical truths to spending wisely II. Biblical truths to spending wisely
4. Correct4. Correct
Needs
Variable costs
WantsFreedom account
Obligat-ions
Fixed costs
Learning to live in the circle of Gods blessings
II. Biblical truths to spending wisely II. Biblical truths to spending wisely
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
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
I. Debt I. Debt
1. What Scripture says about 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.
1. What Scripture says about 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
1. What Scripture says about 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. What Scripture says about 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
I. Debt I. Debt
1. What Scripture says about debt
C. In the Old Testament:
(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
1. What Scripture says about debt
C. In the Old Testament:
(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 …!”
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 …!”
I. Debt I. Debt
2. Some factors that lead to debt
• Indulgence
Some people spend in an attempt to satisfy fleshly desires.
Antidote? Contentment!
2. Some factors that lead to debt
• Indulgence
Some people spend in an attempt to satisfy fleshly desires.
Antidote? Contentment!
I. Debt I. Debt
2. Some factors that lead to debt
• Circumstances
Sometimes people use debt when theyexperience unexpected emergencies,such as an illness or loss of a job.
Antidote? Look to God first!
2. Some factors that lead to debt
• 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
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
I. Debt I. Debt
3. How to get out of debt—seven steps:
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
3. How to get out of debt—seven steps:
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
3. How to get out of debt—seven steps:
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.
3. How to get out of debt—seven steps:
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
3. How to get out of debt—seven steps:
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.
3. How to get out of debt—seven steps:
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
3. How to get out of debt—seven steps:
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.
3. How to get out of debt—seven steps:
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
3. How to get out of debt—seven steps:
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.
3. How to get out of debt—seven steps:
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
3. How to get out of debt—seven steps:
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.
3. How to get out of debt—seven steps:
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
3. How to get out of debt—seven steps:
G. Reduce spending. Some people need to lower their spending to get out of debt.
3. How to get out of debt—seven steps:
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
I. Giving to others and savingfor the future
1. It is important to give with the properattitude.
1. It is important to give with the properattitude.
I. Giving to others and savingfor 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
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
I. Giving to others and savingfor 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. 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
1. It is important to give with the properattitude.
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
I. Giving to others and savingfor the future
I. Giving to others and savingfor the future
1. It is important to give with the properattitude.
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
1. It is important to give with the properattitude.
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
I. Giving to others and savingfor the future
I. Giving to others and savingfor the future
1. It is important to give with the properattitude.
Reluctantly = sorrow, grief, or annoyance.Cheerful = joyful, happy, and exuberant.
1. It is important to give with the properattitude.
Reluctantly = sorrow, grief, or annoyance.Cheerful = joyful, happy, and exuberant.
I. Giving to others and savingfor the future
I. Giving to others and savingfor the future
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
I. Giving to others and savingfor the future
I. Giving to others and savingfor the future
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
I. Giving to others and savingfor the future
I. Giving to others and savingfor the future
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.
I. Giving to others and savingfor the future
I. Giving to others and savingfor the future
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
I. Giving to others and savingfor the future
I. Giving to others and savingfor the future
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.
I. Giving to others and savingfor the future
I. Giving to others and savingfor the future
4. Blessings of giving.
“Remembering the words the Lord Jesus himself said: ‘It is more blessed to give than to receive.’” Acts 20:35
4. Blessings of giving.
“Remembering the words the Lord Jesus himself said: ‘It is more blessed to give than to receive.’” Acts 20:35
I. Giving to others and savingfor the future
I. Giving to others and savingfor the future
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
I. Giving to others and savingfor the future
I. Giving to others and savingfor the future
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
I. Giving to others and savingfor the future
I. Giving to others and savingfor the future
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
I. Giving to others and savingfor the future
I. Giving to others and savingfor the future
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
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
I. Giving to others and savingfor the future
I. Giving to others and savingfor the future
4. Blessings of giving. D. Giving can produce a material increase
to the giver.
“Whoever sows sparingly will also reap sparingly, and whoever sows generously will also reap generously. . . .
4. Blessings of giving. D. Giving can produce a material increase
to the giver.
“Whoever sows sparingly will also reap sparingly, and whoever sows generously will also reap generously. . . .
I. Giving to others and savingfor the future
I. Giving to others and savingfor the future
4. Blessings of giving.
“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.’
4. Blessings of giving.
“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.’
I. Giving to others and savingfor the future
I. Giving to others and savingfor the future
4. Blessings of giving.
“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
4. Blessings of giving.
“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
I. Giving to others and savingfor the future
I. Giving to others and savingfor the future
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
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
I. Giving to others and savingfor the future
I. Giving to others and savingfor the future
5. To whom should we give?A. Give to the local church, Christian workers
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?A. Give to the local church, Christian workers
and ministries.
“The Lord has commanded that those who preach the gospel should receive their
living from the gospel.” 1 Corinthians 9:14
I. Giving to others and savingfor the future
I. Giving to others and savingfor the future
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?’. . .
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?’. . .
I. Giving to others and savingfor the future
I. Giving to others and savingfor the future
5. To whom should we give?B. Give to the poor.
“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
5. To whom should we give?B. Give to the poor.
“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
I. Giving to others and savingfor the future
I. Giving to others and savingfor the future
5. To whom should we give?B. Give to the poor.
“Whoever is kind to the needy honors God.” Proverbs 14:31
5. To whom should we give?B. Give to the poor.
“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,
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,
II. SavingII. Saving
1. Scripture encourages saving.A. Save only if also giving.
“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. . . .
1. Scripture encourages saving.A. Save only if also giving.
“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. . . .
II. SavingII. Saving
1. Scripture encourages saving.A. Save only if also giving.
“For where your treasure is, there your heart
will be also.” Luke 12:16-21, 34
1. Scripture encourages saving.A. Save only if also giving.
“For where your treasure is, there your heart
will be also.” Luke 12:16-21, 34
II. SavingII. Saving
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.
II. SavingII. Saving
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
II. SavingII. Saving
1. Scripture encourages saving.D. What to save for.
1. Scripture encourages saving.D. What to save for.
II. SavingII. Saving
1. Scripture encourages saving.D. What to save for.
Save for unexpected emergencies.
1. Scripture encourages saving.D. What to save for.
Save for unexpected emergencies.
II. SavingII. Saving
1. Scripture encourages saving.D. What to save for.
Save for unexpected emergencies.Save for major purchases.
1. Scripture encourages saving.D. What to save for.
Save for unexpected emergencies.Save for major purchases.
II. SavingII. Saving
1. Scripture encourages saving.D. What to save for.
Save for unexpected emergencies.Save for major purchases.Save for longer-term needs.
1. Scripture encourages saving.D. What to save for.
Save for unexpected emergencies.Save for major purchases.Save for longer-term needs.
II. SavingII. Saving
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.
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.
II. SavingII. Saving
1. Scripture encourages saving.E. Investments.
(1) Avoid risky investments.
“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. Scripture encourages saving.E. Investments.
(1) Avoid risky investments.
“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
II. SavingII. Saving
1. Scripture encourages saving.E. Investments.
(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. Scripture encourages saving.E. Investments.
(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. SavingII. Saving
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
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
II. SavingII. Saving
1. Scripture encourages saving.F. Get-rich-quick schemes and gambling.
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.
1. Scripture encourages saving.F. Get-rich-quick schemes and gambling.
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.
II. SavingII. Saving
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.
I. Honesty/IntegrityI. Honesty/Integrity
“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
“Do not steal. Do not lie. Do not deceive one another.” Leviticus 19:11
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
“Do not steal. Do not lie. Do not deceive one another.” Leviticus 19:11
I. Honesty/IntegrityI. Honesty/Integrity
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
I. Honesty/IntegrityI. Honesty/Integrity
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
I. Honesty/IntegrityI. Honesty/Integrity
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
I. Honesty/IntegrityI. Honesty/Integrity
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
I. Honesty/IntegrityI. Honesty/Integrity
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
I. Honesty/IntegrityI. Honesty/Integrity
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
I. Honesty/IntegrityI. Honesty/Integrity
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
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
I. Honesty/IntegrityI. Honesty/Integrity
2. God has established the standard of honesty.G. Integrity provides guidance and confirms
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
2. God has established the standard of honesty.G. Integrity provides guidance and confirms
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
I. Honesty/IntegrityI. Honesty/Integrity
3. God requires complete honesty from leaders.3. God requires complete honesty from leaders.
I. Honesty/IntegrityI. Honesty/Integrity
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
I. Honesty/IntegrityI. Honesty/Integrity
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
I. Honesty/IntegrityI. Honesty/Integrity
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
I. Honesty/IntegrityI. Honesty/Integrity
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
I. Honesty/IntegrityI. Honesty/Integrity
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
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
I. Honesty/IntegrityI. Honesty/Integrity
3. God requires complete honesty from leaders.E. Blessings and curses.
(1) Blessings for the honest:
• Blessings on the family.
“The righteous man leads a blameless life; blessed are his children after him.” Proverbs 20:7
3. God requires complete honesty from leaders.E. Blessings and curses.
(1) Blessings for the honest:
• Blessings on the family.
“The righteous man leads a blameless life; blessed are his children after him.” Proverbs 20:7
I. Honesty/IntegrityI. Honesty/Integrity
3. God requires complete honesty from leaders.E. Blessings and curses.
(1) Blessings for the honest:
• Full life.
“Truthful lips endure forever, but a lying tongue lasts only a moment.”
Proverbs 12:19
3. God requires complete honesty from leaders.E. Blessings and curses.
(1) Blessings for the honest:
• Full life.
“Truthful lips endure forever, but a lying tongue lasts only a moment.”
Proverbs 12:19
I. Honesty/IntegrityI. Honesty/Integrity
3. God requires complete honesty from leaders.E. Blessings and curses.
(1) Blessings for the honest:
• Abundance.
“The house of the righteous contains great treasure, but the income of the wicked brings them trouble.” Proverbs 15:6
3. God requires complete honesty from leaders.E. Blessings and curses.
(1) Blessings for the honest:
• Abundance.
“The house of the righteous contains great treasure, but the income of the wicked brings them trouble.” Proverbs 15:6
I. Honesty/IntegrityI. Honesty/Integrity
3. God requires complete honesty from leaders.E. Blessings and curses.
(2) Curses reserved for the dishonest:
• Alienation from God.
“For the devious are an abomination to the Lord.” Proverbs 3:32, NASB
3. God requires complete honesty from leaders.E. Blessings and curses.
(2) Curses reserved for the dishonest:
• Alienation from God.
“For the devious are an abomination to the Lord.” Proverbs 3:32, NASB
I. Honesty/IntegrityI. Honesty/Integrity
3. God requires complete honesty from leaders.E. Blessings and curses.
(2) Curses reserved for the dishonest:
• Trouble with family.
“A greedy man brings trouble to his family.” Proverbs 15:27
3. God requires complete honesty from leaders.E. Blessings and curses.
(2) Curses reserved for the dishonest:
• Trouble with family.
“A greedy man brings trouble to his family.” Proverbs 15:27
I. Honesty/IntegrityI. Honesty/Integrity
3. God requires complete honesty from leaders.E. Blessings and curses.
(2) Curses reserved for the dishonest:
• Shorter life.
“A fortune made by a lying tongue is a fleeting vapor and a deadly snare.” Proverbs 21:6
3. God requires complete honesty from leaders.E. Blessings and curses.
(2) Curses reserved for the dishonest:
• Shorter life.
“A fortune made by a lying tongue is a fleeting vapor and a deadly snare.” Proverbs 21:6
I. Honesty/IntegrityI. Honesty/Integrity
3. God requires complete honesty from leaders.E. Blessings and curses.
(2) Curses reserved for the dishonest:
• Lack of abundance.
“Dishonest money dwindles away.” Proverbs 13:11
3. God requires complete honesty from leaders.E. Blessings and curses.
(2) Curses reserved for the dishonest:
• Lack of abundance.
“Dishonest money dwindles away.” Proverbs 13:11
I. Honesty/IntegrityI. Honesty/Integrity
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
II. EternityII. Eternity
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
II. EternityII. Eternity
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
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
II. EternityII. Eternity
3. Life is short, eternity is long, and what we doduring our short life lasts forever.
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
3. Life is short, eternity is long, and what we doduring our short life lasts forever.
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.
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.B. I will cause pain and shame to my family, losing the respect
and trust they have in me.
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.
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.B. I will cause pain and shame to my family, losing the respect
and trust they have in me.C. My sin will be revealed, and I will be held accountable.
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.C. My sin will be revealed, and I will be held accountable.
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.B. I will cause pain and shame to my family, losing the respect
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.
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.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.
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.B. I will cause pain and shame to my family, losing the respect
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.E. I will put a terrible weight on my shoulders, lose my
self-respect, and bring shame and embarrassment to myself.
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.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.E. I will put a terrible weight on my shoulders, lose my
self-respect, and bring shame and embarrassment to myself.
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.B. I will cause pain and shame to my family, losing the respect
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.E. I will put a terrible weight on my shoulders, lose my
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.
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.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.E. I will put a terrible weight on my shoulders, lose my
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.
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.B. I will cause pain and shame to my family, losing the respect
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.E. I will put a terrible weight on my shoulders, lose my
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.
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.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.E. I will put a terrible weight on my shoulders, lose my
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.
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.B. I will cause pain and shame to my family, losing the respect
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.E. I will put a terrible weight on my shoulders, lose my
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.
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.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.E. I will put a terrible weight on my shoulders, lose my
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.
Consequences of Breaking Your IntegrityConsequences of Breaking Your Integrity
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