STRAPPED 2 – PTR. ALVIN GUTIERREZ – 4PM AFTERNOON SERVICE

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

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

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

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.

“HAVES”
“HAVE-NOTS”
“HAVE NOT PAID YET”

EXAMPLES OF
LIVING BEYOND
YOUR MEANS

BORROWING
TO SUSTAIN
A LIFESTYLE
OR HABIT

DEPENDING ON
OTHERS TO
SUSTAIN A
LIFESTYLE
OR HABIT

HABITUALLY
BUYING THINGS
WAY BEYOND
ONE’S FINANCES

EXCESSIVE SPENDING
ON ONE ITEM
OR ACTIVITY AT
THE EXPENSE OF
OTHER BASIC NEEDS

LEVITICUS 5:7
Anyone who cannot afford
a lamb is to bring two
doves or two young
pigeons to the Lord as a
penalty for their sin—one
for a sin offering and the
other for a burnt offering.

God respects our
economic/financial
limitations.
NOTE:

LEVITICUS 5:11
If, however, they cannot
afford two doves or two
young pigeons, they are to
bring as an offering for their
sin a tenth of an ephah of the
finest flour for a sin offering.
They must not put olive oil or
incense on it, because it is a
sin offering.

It is dishonoring God to
live beyond your means.
NOTE:

WHY DO PEOPLE
LIVE BEYOND
THEIR MEANS

TO BOAST OR
TO IMPRESS

TO ENJOY
WHAT THEY
DO NOT DESERVE

TO DECEIVE PEOPLE

IN ANTICIPATION
OF EXPECTED
RESOURCES

ILLUSIONS OF
GRANDEUR

Living beyond our means
robs us of our happiness.
NOTE:

HOW IT ROBS
OUR HAPPINESS

WE PAY WITH
OUR MONEY.

WE PAY WITH
OUR DIGNITY.

WE ALWAYS
WORRY.

WE LOSE
PEACE OF MIND.

WE FOREGO
BASIC NEEDS.

HOW TO MANAGE
MONEY BIBLICALLY

EMBRACE THE
VALUE OF
SELF-CONTROL.

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

If you are in debt then get
out of debt by means of
self-control.
NOTE:

Seriously assess your
expenditures and source
of income.
NOTE:

EMBRACE THE
VALUE OF
SACRIFICE.

HEBREWS 12:1-2
1 Therefore, since we are
surrounded by such a great
cloud of witnesses, let us
throw off everything that
hinders and the sin that so
easily entangles. And let us
run with perseverance the
race marked out for us,

HEBREWS 12:1-2
2 fixing our eyes on Jesus,
the Pioneer and Perfecter of
faith. For the joy set before
Him He endured the cross,
scorning its shame, and sat
down at the right hand of the
throne of God.

Learn to adjust.
Keep your feet on the
ground.
NOTE:

Stop depending
on others.
Be productive.
NOTE:

EMBRACE THE
VALUE OF
PLANNING.

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?
LUKE 14:28

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

STEPS TO RIGHT
FINANCIAL
PLANNING

SAVE FOR
EMERGENCY.

DO THE DEBT
SNOWBALL.

1 TIMOTHY 6:10
For the love of money is a
root of all kinds of evil.
Some people, eager for
money, have wandered
from the faith and pierced
themselves with many
griefs.

ECCLESIASTES 5:10
Whoever loves money never
has enough;
whoever loves wealth is
never satisfied with their
income.
This too is meaningless.

MATTHEW 6:19-21
19 Do not store up for
yourselves treasures on
earth, where moths and
vermin destroy, and where
thieves break in and steal.

MATTHEW 6:19-21
20 But store up for
yourselves treasures in
heaven, where moths and
vermin do not destroy, and
where thieves do not break
in and steal.

MATTHEW 6:19-21
21 For where your
treasure is, there your
heart will be also.

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

LUKE 16:10-11
10 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 16:10-11
11 So if you have not been
trustworthy in handling
worldly wealth, who will
trust you with true riches?

1 TIMOTHY 6:6-10
6 But godliness with
contentment is great gain. 7
For we brought nothing
into the world, and we can
take nothing out of it. 8 But
if we have food and
clothing, we will be content
with that.

1 TIMOTHY 6:6-10
9 Those who want to get
rich fall into temptation
and a trap and into many
foolish and harmful desires
that plunge people into
ruin and destruction.

1 TIMOTHY 6:6-10
10 For the love of money is
a root of all kinds of evil.
Some people, eager for
money, have wandered
from the faith and pierced
themselves with many
griefs.

CONCLUSION
Every money problem
is a heart problem.

CONCLUSION
We don’t serve
money — we serve
God. Money serves us
as we serve God.

STRAPPED 2 – PTR. ALVIN GUTIERREZ – 4PM AFTERNOON SERVICE

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STRAPPED 2 – PTR. ALVIN GUTIERREZ – 4PM AFTERNOON SERVICE