.

2. ACT YOUR
WAGE

3. PROVERBS 13:7
One pretends to be rich, yet has nothing;
another pretends to be poor, yet has great
wealth.

4. PROVERBS 12:9
Better to be a nobody and yet have a
servant than pretend to be somebody and
have no food.

5. TWO GROUPS
OF PEOPLE

6. 1. THE HAVES

7. 2. THE HAVE NOTS
and they have not paid… yet.

8. WHAT’S THE
PROBLEM?

9. PROVERBS 22:7
7 The rich rule over the poor, and the
borrower is slave to the lender.

10. WHAT IS ANOTHER
FOUNDATIONAL
PROBLEM?

11. We have learned to ask
the wrong questions.

12. “How much money
down is this going to
take?”

13. “How much is it going
to cost a month?

14. Instead of asking how much is the real
cost?
“What’s the most I can get into
for the least down.”

15. And we have forgotten to ask what is the
real cost, not just the financial cost, but the
lost opportunity costs where we can’t give,
where our marriages are stressed because
we are fighting and worrying about
finances,

16. Where we can’t give our kids opportunities
because we have bought things that we didn’t
need with money that we didn’t have to impress
people that we don’t even know. Bondage.
Pretenders.

17. WHAT IS THE REAL
COST OF OUR
UNBIBLICAL
STEWARDSHIP?

18. DEBT

19. Today we believe debt is normal.
Debt is necessary. Few years ago,
few are borrowing, no credit cards etc
but now almost everybody has loan
and has credit cards, some not one
card but many cards.

20. That’s how fast our mindset
has changed.

21. WHAT IS THE REAL
COST?

22. HOW MUCH DO YOU
THINK THEY OWE IN
CREDIT CARD DEBT

23. HOW MUCH INTEREST
ON CREDIT CARDS?
3 TO 3.5% PER MONTH

24. HOW TO GET OUT OF
DEBT?

25. We must pray to God first
before buying something.

26. You are to make decisions based
on decisions that God gave you.

27. Wearegoingtohaveself-discipline.

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

29. If you don’t have control of your money or
any area of your life, you are like a city
whosewalls are brokendown.

30. We are going to learn to say, “No,” for a
little while, so that we can say, “Yes,” for
the rest of our lives.
We are going to invest.
We are going to pay off debt

31. PROVERBS 21:5
5 The plans of the diligent lead to profit
as surely as haste leads to poverty.

32. We are going to make a plan:

33. 1. We are planning for emergencies.
2. We are going to eliminate overhead.
3. We are going to build our reserve fund.
4. We have to plan on buying big items.

34. WHAT’S
OUR PROBLEM?

35. Our problem is, we are bent toward sin.
We are sinners by nature, and because of
that, we tend to love the things in this
world that we think they will bring
satisfaction.

36. Only Jesus
can give us the
total satisfaction in
life.