This document provides guidance on wise money management from a biblical perspective. It discusses that money should be spent, saved, budgeted, and given wisely according to biblical principles. The overarching message is that one's perspective on money should be that its ownership ultimately belongs to God, and it cannot provide true happiness, but it can be used faithfully to God's glory through obedience to his financial principles.

1. YOUR
MONEY
COUNTS !
By Howard Dayton

2. May be
You’ve just
received your
first salary and
you’re not sure
how you should
go about
spending it.
OR
You just can’t
make ends meet.
There’s never any
money at the end
of the month.
OR
You’re in a debt
trap. There doesn’t
seem to be a way
out.
Read on!

3. WHEN MONEY IS
NOT SPENT WISELY
it leads to
Discontentment
Troubles
Family Crises
Distress
Suicide
YOU NEED TO HAVE
THE RIGHT
PERSPECTIVE ABOUT
MONEY IF YOU DON’T
WANT TO FIND
YOURSELF HERE !!

4. WHAT DOES THE
BIBLE SAY ABOUT
MONEY ?
Did you know ?
16 of the 38
parables of
Jesus tallks of
money /
possessions
2350 verses
in the Bible
concern
money /
possessions

5. WHY DOES THE BIBLE
GIVE SUCH
IMPORTANCE TO
MONEY ?
YOUR
MONEY COUNTS !
because
Money affects
fellowship with
God. (Luke 16:11)
Possessions
compete with God.
(Mathew 6:24)
Much of life
revolves around
money.

6. DOES THAT MONEY
REALLY BELONG TO
YOU ?
The Bible says
God is the sole
OWNER of
everything
(Psalm 24: 1)
God has ultimate
CONTROL over
everything
(Psalm 135;6)
God has
promised to
PROVIDE our
need
(Mathew 6;33)

7. WHAT SHOULD BE OUR
ATTITUDE TO MONEY ?
We need to be FAITHFUL
With ALL our resources
REGARDLESS of how much we have
(Mathew 25: 14,15)
In LITTLE things
(Luke 16:10)
With ANOTHER’S possessions
(Luke 16:12)
It then
Builds
CHARACTER
Leads to
CONTENTMENT
(Philippians 4:19)

8. ALWAYS CUT
YOUR COAT
ACCORDING TO
YOUR CLOTH
NEVER GET INTO DEBT
Because Debt
Is a CURSE
PRESUMES upon
tomorrow
(James 4:13-15)
MAY DENY
God an
opportunity

9. AND IF YOU’RE
ALREADY IN DEBT
GET OUT !!…. by
Praying
Writing a
Budget
Listing assets
& liabilities
Making debt
repayment
schedule
Earning
additional
income
Entering into
no further
debt
Being
content
Considering
radical
change
Not
giving
up !

10. WHO IS YOUR REAL
BOSS ?
If anyone will not work, neither let
him eat!
Let’s remember that …..
God gives
success
God
controls
promotion
God gives
Job Skills
Live a balanced life – so…
Work Hard
Rest

11. EMPLOYERS remember
your responsibility to ….
Serve
your
employees
Be a
good
communicator
Hold
employee
accountable
Pay
fair
wages
promptly
and…EMPLOYEES remember
your responsibility to ….
Be
faithful
Be honest
Honour
employer
Be prayerful
Honour fellow
employees
Verbalise
Faith

12. WHEN IN FINANCIAL
TROUBLE
SEEK
COUNSEL
Two can accomplish more than twice as much as one.
Ecclesiastes 4:9
Seek Counsel from
Scripture
(Psalm 119:24)
Godly
people
(Psalm 37:30-31)
God
(Psalm 32:8)
But DO NOT seek counsel from
Fortune Tellers, Mediums
(Leviticus 19:31)
OR
Those who are biased

13. WHEN IT COMES TO
HANDLING MONEY
BE HONEST
God demands
ABSOLUTE honesty,
since
We
cannot
practice
dishonesty
and love God
(Proverbs 14:2)
or neighbour
(Romans 13:9-10)
It Creates credibility for
telling others about
God (Philippians 2:15)
It Confirms
God’s direction
(Proverbs
4:24-26)
Even small
acts of
dishonesty
are
devastating
(Luke 16:10)

14. and…… IF YOU’VE
BEEN DISHONEST
Restore
fellowship
with God
(1 John 1:9)
HONESTY
Restore
fellowship
with people
(James 5:6)
Restore
dishonestly
acquired
property
(Leviticus 6:4-5)
DISHONESTY
leads to
leads to
Intimacy
with GOD
(Proverbs
3:32)
Alienation
from GOD
(Proverbs
3:32)
A blessed
family
(Proverbs
20:7)
Family
problems
(Proverbs
15:27)
Long life
(Proverbs
12:9)
Death
(Proverbs
21:6)
Prosperity
(Proverbs
15:6)
Poverty
(Proverbs
13:11)

15. GIVE AS YOU SPEND !!
It is more blessed to give than to receive
(Acts 20:35)
To whom should you GIVE ?
Family
(1 Timothy 5:8)
Local
Church
Christian Workers,
Missionaries
(Galatians 6:6)
The Poor
(Mathew 25:35-45)

16. GIVE AS YOU SPEND !!
It is more blessed to give than to receive
(Acts 20:35)
Why Should we GIVE ?
Increases
intimacy
with God
(Mathew 6:21)
Develops
character
(1 Timothy
6:18,19)
Invests for
eternity
(Philippians 4:17)
Increases
material
blessings
(Proverbs 11:24-25)

17. GIVE AS YOU SPEND !!
It is more blessed to give than to receive
(Acts 20:35)
How should we GIVE?
(1 Corinthians 16:2)
Personally
Periodically
Out of
private
deposit
Premeditated

18. SAVE AS YOU SPEND !!
While Investing remember
Understand
Compound
Interest
Be a steady
plodder
(Proverbs 21:5)
A = P(1 + r)
Avoid risky
investments
(Ecclesiastics 5:13-16)
Consider the
hidden cost of
investment.
Diversify
(Ecclesiastics 11:2)
n

19. SAVE AS YOU SPEND !!
Good Investment Goals
Provide
for
family
Become financially free
to serve the Lord
Operate own
business
BUT Establish
maximum
amount to
save

20. BUDGET
BEFORE YOU SPEND !!
Why Budget ?
So that it brings in an attitude
of control in spending that is
needed for reaching your
financial objectives.
How do I budget ?
Begin where you
are today.
The solution is
where you
want
to
be.
Know what is
actual
income
and
expenditure
today!
Forecast your
future income
and expenditure

21. BUDGET
BEFORE YOU SPEND !!
Budgeting hints
Reconcile your
account every
month
Provide for pay ments
that are
not
monthly
Also make
an annual
budget
Control impulse
spending
Provide for
personal
allowances

22. WHAT SHOULD BE MY
STANDARD OF LIVING ?
Think with eternal
Live simply
perspective
(1 Thessalonians
4:11-12)
(Hebrews 11:24-26)
Remember you
are a pilgrim
(Philippians 3:20)
Recognize the
Do not waste
enemy
(Luke 16:1,2)
(2 Timothy 2;3,4)
Does your spend ing please God
(1 Timothy 4:4)
Don’t compare
with others
?
Do not be
confirmed to the
world(Romans 12:2)
Be Content

23. TEACH THE
CHILDREN
WELL
(Proverbs 22:6)
Teach them the
guidelines of
Give opportunity
to practically
apply what
they’ve learnt.
spending money
(Deuteronomy 6:6,7)
Be a role model
to them in
financial matters
(1 Corinthians 11:1)
Remind them of the 3 D’s
Danger of being
misled by
advertisements
Dependence
on Prayer
Destruction
brought on by
over
indulgence

24. So finally….. WHAT
SHOULD BE MY
PERSPECTIVE ABOUT
MONEY ?
Money will not bring true
happiness
since money can buy
HOUSE
not HOME
AMUSEMENT not HAPPINESS

25. So finally….. WHAT
SHOULD BE MY
PERSPECTIVE ABOUT
MONEY ?
Money is
not evil
Yet, the love of
money is a root
of all sorts of
evil….
1 Timothy 6:10
Godly people may
not always prosper
financially
since true
prosperity extends
far beyond
material
possessions !
There must be a
conversion of the
heart, the mind and
also the purse
MARTIN LUTHER