How to manage your finances using Biblical Principles. Christian Financial Management Principles.

1. Wisdom to make wealth

2.  Do you have savings?
 How much do you have in your savings
account in number of monthly income?
 Do you invest your money regularly?
 What percentage of your monthly income do
you invest?
 If 5 machines produce 5 widgets in 5 mins.
How long will it take 100 machines to
produce 100 widgets?

3.  Any worker who follows Biblical principles for
making wealth can experience financial
freedom and have more than enough for
themselves, regardless of their starting
income! It’s not too late to start if you are still
a worker today!

4.  If you save $100 every month and invest in a
10% interest rate compounded annually after
30 yrs you have – over $200,000.

5.  10% - God First –Tithe (Well after the tax
man)
 10% - Investment –There is a way to even
beat the tax man with this
 10% - Personal Development and family and
friends
 70% - Bills, Debt repayment, and other living
expenses

6.  Malachi 3:8 – 12 (Tithe Means – a tenth,
offerings are the gifts you bring after your
tithes)
 Lev 27:30 – the 1st 10% belongs to the Lord
 Gen 14:20 – the first tithe
 Deut 14 –We partake of the tithes

7.  8 "Will a man rob God?Yet you have robbed Me! But
you say,`In what way have we robbedYou?' In tithes
and offerings. 9You are cursed with a curse, For you
have robbed Me, Even this whole nation. 10 Bring all
the tithes into the storehouse,That there may be food
in My house, And try Me now in this," Says the LORD
of hosts, "If I will not open for you the windows of
heaven And pour out for you such blessingThat there
will not be room enough to receive it. 11 "And I will
rebuke the devourer for your sakes, So that he will not
destroy the fruit of your ground, Nor shall the vine fail
to bear fruit for you in the field," Says the LORD of
hosts; (Mal 3:8-11 NKJ)

8.  30 `And all the tithe of the land, whether of the
seed of the land or of the fruit of the tree, is the
LORD'S. It is holy to the LORD. (Lev 27:30 NKJ)

9.  TheTithe is God’s way of teaching us how to walk in
the supernatural blessing of God
 It should not become a religious activity – It should be
an expression of love and wisdom
 It is designed to remind you of the source of your
income not to burden you with another bill
 It is designed to build your faith in God as a constant
provider
 It is designed to practically involve God in the
execution of your financial plan and battle against
waste.
 It is the minimum you should do – 100% really belongs
to the Lord!

10.  This 10% is suggestion – the more you want
to have, the more of this you do.
 You don’t have to start with 10% , you can
start with 5 but get to 10% as quickly as you
can.The younger people should start right at
10.
 This is your physical seed!This is what gets
blessed as you tithe!
 Tithing without investments is - eating your
seed!

11.  12 Then Isaac sowed in that land, and reaped
in the same year a hundredfold; and the
LORD blessed him. 13 The man began to
prosper, and continued prospering until he
became very prosperous; 14 for he had
possessions of flocks and possessions of
herds and a great number of servants. So the
Philistines envied him. (Gen 26:12-14 NKJ)

12.  Your value is not in the amount of stuff you
have. It is in the value God places on you.
 Christ in you is you hope and your security
 Sin continues to seek to trap – Freedom is
only in Christ Jesus.
 If you are not sure that your place is secured
in heaven through Christ, don’t leave today
without making things right with God.

13.  The best gift you can give to your family,
friends and community is an increased
capacity to help. It’s is unwise to ever stop
learning.
 Discipleship is all about learning from
someone or a group of people who are doing
what you sense you should be doing. It’s all
round learning!

15.  Books
 Seminars , workshops and conferences,
retreats,
 School
 Podcasts, Itunes University and lots more
 Bible Study tools
 Rest and Relaxation
 (Spirit, Soul and Body Development)

16.  Gifts – Birthday, Christmas,Wedding, Baby
Shower, House warming
 Help with life situations
 Just because….
 I will suggest you make this section 5% for
personal Development and 5% for Family and
Friends. It is important to give to Family and
Friends because God’s love in you calls for it.

17.  Your real income is only 70% of the money
you see on your pay cheque.Work with that
only.
 Try to fit all your expenses into this 70% and
your goal should be to keep reducing this
every year as much as possible and increase
others.

18.  Debt Repayment
 Accommodation Expenses
 Feeding Expenses
 Transportation Expenses
 Clothing Expenses
 Dependant Expenses
 Entertainment Expenses

19.  Try to automate the 10:10:10
 Continue to envision your growth goals and
ask God to help you increase your capacity to
be a blessing
 Listen to the Holy Spirit before deviating
from the principle – don’t be rigid, God
always has a better plan.
 There is nothing wrong with a 10:20:20:50
lifestyle

20.  What if 70% is not enough?Work with your
mentor to make it work.There is a way,
maybe you just cant see it.
 What if I don’t have a mentor that I respect
and am willing to work with –Well now you
know why….
 How do I get a mentor? –The best place to
start is your Lifegroup.

21.  You have received a great potential from God
– Use it.
 God expects you to multiply your resources
and increase your capacity to influence your
community
 Vs 26 –You wicked and Lazy servant
 If I do not have a workable plan to increase
my capacity and multiply my resources, I am
being a wicked and lazy servant.