3. PROVERBS 22:7
The rich rule over the
poor, and the borrower is
servant to the lender.
LIVE BELOW YOUR MEANS

4. PROVERBS 13:7
One person pretends to
be rich, yet has nothing;
another pretends to be
poor, yet has great
wealth.
LIVE BELOW YOUR MEANS

5. OLD RULE:
If you don’t have
the money to buy
what you wanted,
you were not
allowed to
buy it.
LIVE BELOW YOUR MEANS

6. NEW RULE:
I want to live the
same lifestyle as
my parents’ then I
will buy the same
that they have
and use my credit
card.
LIVE BELOW YOUR MEANS

7. Three types of
people we have
right now;
LIVE BELOW YOUR MEANS

8. “HAVES”
“HAVE-NOTS”
“HAVE NOT YET PAID FOR
WHAT THEY HAVE GOT.”
LIVE BELOW YOUR MEANS

9. BIBLICAL VALUES
LIVE BELOW YOUR MEANS

10. EMBRACE THE
VALUE OF
SELF-CONTROL.
LIVE BELOW YOUR MEANS

11. PROVERBS 25:28
Like a city whose walls are
broken through
is a person who lacks
self-control.
LIVE BELOW YOUR MEANS

12. LIVE BELOW YOUR MEANS

13. EMBRACE THE
VALUE OF
SACRIFICE.
LIVE BELOW YOUR MEANS

14. No self control you will be in
trouble.
You must have the Ability to
say NO.
If you are in debt then get out
of debt by means of self
control.
LIVE BELOW YOUR MEANS

15. HEBREWS 12:2
Let us fix our eyes on Jesus,
the author and perfecter of
our faith, who for the joy set
before him endured the
cross…
LIVE BELOW YOUR MEANS

16. Sacrifice is giving up
something you love, to
something you love even
more.
LIVE BELOW YOUR MEANS

17. EMBRACE THE
VALUE OF
PLANNING.
LIVE BELOW YOUR MEANS

18. Suppose one of you wants
to build a tower. Won’t you
first sit down and estimate
the cost to see if you have
enough money to
complete it?
LIVE BELOW YOUR MEANS
LUKE 14:28

19. PROVERBS 21:5
The plans of the diligent
lead to profit
as surely as haste
leads to poverty.
LIVE BELOW YOUR MEANS

20. God’s heart
breaks if you
are in debt.
LIVE BELOW YOUR MEANS

21. THE FIRST TWO
BABY STEPS
LIVE BELOW YOUR MEANS

22. 1. SAVE FOR
EMERGENCIES.
LIVE BELOW YOUR MEANS

23. 2. DO THE
DEBT SNOWBALL.
LIVE BELOW YOUR MEANS

24. Payoff paying
minimum payments
= 120 months.
Debt snowball payoff
= 21 months.
(Difference of 99
months)
LIVE BELOW YOUR MEANS

25. PROVERBS 6:5
Free yourself, like
a gazelle from the hand of
the hunter…
LIVE BELOW YOUR MEANS

26. CONCLUSION
We don’t serve
money — we serve
God. Money serves us
as we serve God.
LIVE BELOW YOUR MEANS

27. LIVE BELOW YOUR MEANS
JAR 1 TITHES (10%)
Qualification test to see if you
know how to handle money that
doesn’t belong to you
JAR 2
OFFERING/CHARITY
(10%)
For people who need mercy, in
tragedy, victims of disaster
JAR 3 SAVINGS (10%)
For larger purchases of things
you may wish to buy
JAR 4 INVESTING (20%)
Placing your money where it will
increase its value
JAR 5 SPENDING (50%)
Daily needs, regular bills,
payments, etc.
THE FIVE JARS