FINANCES

 

DEFINITION:  Finances involve the gaining, exchange, and management of money.  A barter trading system is also a type of finance.  Financing is the act of managing available resources like money, assets, and investments. Problems with finances may include an inability to meet financial obligations, excessive debt, and an inability to provide for basic needs.

FACTS ABOUT FINANCES:

Chief causes of financial problems include not honoring God with tithes and offerings; living beyond one’s income; credit buying; lack of a budget;  laziness or refusing to work; co-signing for the debts of others–all of which are violations of God’s Word.

God’s Word is our financial guide.  As  believers, we do not look to the strategies of the world for principles to govern finances. We look to the truth of God’s Word.  Financial blessing comes through keeping the Word of God in every area of our lives, including finances (Deuteronomy 28:2).

There are five principles that should distinguish the believer’s attitude from that of the world:

-The master of our money is God.  We are guided by obedience to His Word in regards to our finances.  As a steward, you are responsible for your resources, and God holds you accountable (Matthew 25:14-30).

-Our motivation is different from that of the world.  Instead of amassing wealth for selfish purposes, we are motivated by a desire to use our resources for God’s glory.

-Our mindset differs from that of the world.  We seek contentment with what we have and we own our possessions instead of being owned by them.

-Our means of attaining finances differ.  Scriptural mandates are honored to prevent fraud and deceit and we are governed by principles of honesty and integrity.

-Our management of money differs from that of the world.  Our budgets include categories like tithes, offerings, and gifts to the poor.

Tithes and offerings are part of the financial plan of true believers.  A tithe is 10% of your income.  Offerings are gifts to the work of the Lord above the 10% tithe. The first record of tithing was when Abraham paid tithe to Melchizedek (Genesis 14:20).  New Testament believers also tithed and gave offerings  (1 Corinthians 16:2; Luke 18:12-13).  If a person fails to tithe, it is considered robbing God (Malachi 3:8).  You can borrow from the tithe, but if you do you must include 20% interest when you repay it (Leviticus 27:31).  God blesses those who give tithes and offerings (Malachi 3:10).

Why should believers give tithes and offerings?  We give because:

-We want to pattern ourselves after our giving God.  God  gives lavishly. We want to be like Him, so this means that we follow His example and give generously.

-We want to obey God’s commands to give.  God commanded Israel to make giving central in their personal, family, and national lives. New Testament teachings in the Gospels and Epistles emphasize giving as well.  Examples in the history of the first church recorded in the book of Acts also illustrate this.  God commands us to give by precept and example, and as His children we respond in obedience.

-We love the world with the love of God.  God so loved the world that He gave His only Son (John 3:16).  We  give to the work of the Lord because we are filled with that same love and in so doing we help extend the Gospel to the world.

-We are thankful.  The Jews gave sacrificial gifts to express gratitude for God’s provision for their needs. We also express our thanks by giving to God.

-We want to address legitimate need.  Some of our brothers and sisters in emerging nations struggle in difficult conditions, while those in western nations live in relative ease. The Bible teaches that we cannot truly have God’s love manifested through us if we ignore the needs of our brothers and sisters in the Body of Christ.  The Bible repeatedly addresses the importance of giving to the poor, to widows, orphans, and the nation of Israel.

-We know it is more blessed to give than to receive.  This Kingdom principle is totally opposite of the world’s advice which is to get all you can, get it any way you can, and then horde it.

-We want to lay up heavenly treasure.  We want to be among those who receive the awesome blessings which God has promised for those who invest in heavenly rather than earthly treasures (Luke 12:33-34).

-We want our needs supplied.  Some people spend years clinging to their money in a vain attempt to meet their own needs, only to see God provide miraculously as soon as they start to give. Sadly, many never learn to give and remain in need their entire lives.  God promises to supply all of your needs out of His infinite riches when you are obedient to His commands to give.

The Bible mandates how we should give.  We are to:

-Give generously.   “Generosity” means “giving widely”.  Do not measure your generosity by what you give.  Measure it by what you retain (Proverbs 11:25; 22:9).

-Give creatively.  Giving in Bible times included tithes, sacrifices, free-will offerings, gleanings, hospitality, funds for widows, collections for famine relief, expensive jars of oil, and even a burial tomb.

-Give willingly.  God asks that people give willingly (Exodus 25:2; 2 Corinthians 8:12; 1 Chronicles 29:9).

-Give cheerfully.  God loves a cheerful giver (2 Corinthians 9:7).

-Give proportionately.  Every believer should give as he is able, in proportion to his income and how God has blessed him (Deuteronomy 16:17).

-Give with simplicity and without seeking recognition.  Don’t give with fanfare or seeking recognition (Romans 12:8; Matthew 6:1-4).

-Give sacrificially. Sacrificial giving is measured by what you retain rather than by what you give (Mark 12:43-44).

-Give with a pure motive.  Ask yourself: Why am I giving?  If you are giving because you were pressured to do so or because you want to look good before others, your motive is wrong.  Your giving should be from a heart filled with love (1 Corinthians 13:3; 1 Samuel 15:22).

-Give expecting God to meet your need.  This is not a wrong motive.  You are simply claiming God’s promises and taking Him at His Word (Proverbs 3:9-10; Philippians 4:19).

-Give your best.  In Old Testament times, God’s people were instructed to bring their best  and were forbidden to offer sick and injured animals or polluted offerings (Malachi 1:6-14).  You also should give your best.  The woman who offered her alabaster box of expensive ointment gave the very best she had,  as did the widow woman who gave all that she had (Mark 26:7-10 and Mark 12:42-44).   If it doesn’t cost you something, it isn’t your best gift.  David said,  “I will not offer burnt offerings to the Lord my God of that which costs me nothing” (2 Samuel 24:24).

The Bible indicates to whom we should give.   Here are some scriptural directives to guide your giving.

-Give to the local church.  The first priority in giving should be to allocate a tenth of your income to your local church. Your tithes should be used to support the modern equivalents of priests and Levites–people who are involved in some form of  ministry like pastors, missionaries, teachers, prophets, evangelists, church secretaries, musicians, youth workers, counselors, and caretakers of God’s house.  Your gifts should also be used for rent, utilities, maintenance, etc., of the local church.

-Give to the poor.  In addition to financial gifts to the poor, your giving might include assisting orphanages, taking clothes and food to the homeless, giving your time to organize care facilities for poor children, establishing job centers for the unemployed, or delivering meals to the elderly.   A portion of your tithes and offerings should go into a specific fund so that the church can help their local poor.   (For examples, see Deuteronomy 15:10; Proverbs 19:17; 28:27; 22:9; and Psalm 41:1).

-Give to ministries that mentor you.  You should support the ministries which bless you and help you grow in the Lord.  In the New Testament, the Macedonian believers were committed, long-term financial partners of the Apostle Paul. They had been brought to faith in Christ by Paul and were blessed and mentored spiritually by him, so in return they helped support his ministry.

-Give your spiritual gifts, talents, and time to worthy causes.  These should be offered to the Lord as well as your finances.  Consider volunteering in your church or for a Christian organization.

-Give to Israel.  Paul made it clear that we owe a spiritual debt to the Jews.   Almost all of the Bible was written by Jews.  Jewish believers first brought the Gospel to the Gentiles and they were the first to spread the Good News across the world.  God prospers those who love Israel, and giving is one way to demonstrate your love (Psalm 122:6).

-Give hospitality to other believers.  As our communities disintegrate, families break up, and the number of elderly people multiplies, hospitality among believers becomes ever more urgent. Our towns are increasingly filled with lonely people who would value a meal in another person’s home. Many believers live alone and have empty rooms that could be used help others.  For example, in America, many believers opened their homes for temporary shelter to the homeless after a terrible hurricane called Katrina ravaged a portion of the nation.  Perhaps you could host a missionary who is home on furlough or provide temporary housing for someone who has been displaced from their own residence due to a disaster.

-You can expect to receive when you give. When you give consistently and scripturally, then you can expect to receive:

-Provision for your earthly needs. Both the Old and New Testaments contain clear promises that God will bless us in tangible ways when we give of our resources.  In Deuteronomy 14:29 and 24:19  and Malachi 3:10, God promises overflowing blessing upon those who give biblically. When we give freely to the poor, we can expect God to bless us (Proverbs 19:17).  The Prophet Isaiah explains the amazing blessings you will receive when you give God’s way  (Isaiah 58:7-11)..  You will receive in the same measure that you give (Luke 6:38).

-Supernatural growth and miracles.  The staggering growth in the early church was clearly related to their generosity. Miracles of salvation, healing, and deliverance cannot be separated from the sacrificial lifestyle of  believers in the early church. When our churches give God’s way, we will see miracles and dynamic growth such as the early church experienced.

-Heavenly treasure.   You convert your earthly wealth into heavenly treasure by giving God’s way  (Matthew 10:42) .

DEALING WITH  FINANCES:

If you have not been tithing, ask God to forgive you.  The prophet admonished the people to consider their ways, repent, and renew their covenant of tithing with the Lord (Haggai 1:5-11).

Set aside 10% of all you earn to give to the work of the Lord.  Do this first before you pay any bills or spend money on anything else.  In some cultures, as in Old Testament times, people may tithe off of the produce of their land when there is no monetary exchange for goods operative.

Set aside funds above the 10% to give as offerings to special works like missions, the poor, etc.

Get your eyes off of your lack.  Take your eyes off of your difficult circumstances and, by faith, look to God for His divine provision  Your faith must be fixed to the infallible, impregnable Word of God and His unlimited resources.

Believe that God wants to prosper you.  If you are going to effectively war against the enemy’s attack on your finances, you must believe that God wants to prosper you (Deuteronomy 28:2,11-12; Malachi 3:10).  He has promised to provide all of your needs–not every selfish want or desires that would not be good for you, but all legitimate needs through Jesus Christ (Philippians 4:19).

Face your financial problems armed with the Word of God.   To effectively war against the devil’s attack on  your finances, you must face your problems head-on with a solid scriptural foundation concerning God’s will for your finances.  Learn what the Bible says about finances, and live by these mandates. Eliminate any scriptural violations regarding finances.

Identify the real enemy.  The enemy of your finances is not your boss or the government. Get your eyes off your employer. Get your eyes off the economy.  Your employer, the economy, or anyone or anything else in the natural world are not your enemies. Satan is the one who comes to steal, kill, and destroy (John 10:10).  You are not fighting against flesh and blood (Ephesians 6:12) so you must battle with spiritual weapons (2 Corinthians 10:4-5, Ephesians 6:13-18).

Take control of your mind.  Take captive the thoughts that you will go under financially and that you are going to lose your house or your job.  Reject these ideas in the name of Jesus!  Cast down such “vain imaginations”.

Make a budget.  Ask God for wisdom to make and live within a realistic budget (James 1:5).  Here are the  steps to take.

-Create a list of monthly expenses. This might include a mortgage payment or rent, car payments, gasoline, telephone,  trash service,  insurances, auto repairs, public transportation, groceries, eating out, tuition,  utilities, entertainment, laundry and dry cleaning, clothes, house and medical insurance, property and income taxes, baby-sitting, subscriptions or dues, alimony or child support, medical and dental, home repairs, money spent on pets,  haircuts, etc.   Use your check book, credit card statements, and receipts to make this list.

-Divide this list of expenses into two categories. The first category lists fixed expenses which are  the same each month.  For example, your rent and car payment are fixed.  The second category is variable expenses that change from month-to-month.  Examples are gasoline, groceries, utilities, etc.

-Total your expenses.  Total your fixed expenses. Total your variable expenses.  Then add them together for a grand total.

-Total your monthly income.  List every source of income, how much you receive from each source, and then total it.

-Compare your expenses and income. You will have one of two results:

-If your results show more income than expenses you are off to a good start. This means   you can designate extra money to reduce debt or put into savings for emergencies and future needs.

-If you have more expenses than income, then you must make some life-style changes.

-Make adjustments to your expenses.  Examine your expenses and list areas where you can cut costs.  Usually you can’t cut fixed expenses like a mortgage, etc., so look closely at variable expenses to see where you can reduce expenditures.  What can you live without?   For example, could you give up your cell phones for a cheaper home phone? What can you cut out completely?  Could you eliminate entertainment costs and eating out for awhile?  What expenses could you lower?  For example, perhaps you could use less gasoline by combining errands or walking when possible.  By lowering each variable expense, you will come closer to your goal of balancing income and expenditures.

-Set a realistic monthly budget.  The budget should focus on your actual needs instead of extras you desire.

-Review your budget each month.   This review will show you where you did well and where you need to improve.

Note:  If you have large credit card balances, here is a strategy to help you retire those debts. Transfer your credit card balances to the card with the lowest interest rates.  As an incentive for the credit card company to allow this, tell them they can make an automatic deduction from your bank account each month to assure they will be paid.  Once you have moved your credit card debt to the card with the lowest interest rate, do not pay only the lowest monthly payment required.  Keep your monthly payments as large as they were before you transferred everything to the one card.  This way you will have a higher  payment on the principal and be able to pay off your debt in a shorter time.

 

WHAT GOD’S WORD SAYS ABOUT FINANCES:

Tithes and offerings.

A tithe of everything from the land, whether grain from the soil or fruit from the trees, belongs to the Lord; it is holy to the Lord.  If a man redeems any of his tithe, he must add a fifth of the value to it.  (Leviticus 27:30-31)

Honor the Lord with your wealth, with the first fruits of all your crops;  then your barns will be filled to overflowing, and your vats will brim over with new wine.  (Proverbs 3:9-10)

Consider your ways (and set your mind on what has come to you).  Now therefore thus says the Lord of hosts: Consider your ways (and set your mind on what has come to you). You have sown much, but you have reaped little; you eat, but you do not have enough; you drink, but you do not have your fill, you clothe yourselves, but no one is warm; and he who earns wages has earned them to put them in a bag with holes in it…You looked for much (harvest), and it came to little; and even when you brought that home, I blew it away. Why? says the Lord of hosts. Because of My house which lies waste, while you yourselves run each man to his own house (eager to build and adorn it). Therefore the heavens above you (for your sake) withhold the dew, and the earth withholds its produce. And I have called for a drought upon the land and the hill country, upon the grain, the fresh fruit juice, the oil, upon what the ground brings forth, upon men and cattle, and upon all the (wearisome) toil of men’s hands. (Haggai 1:5-6, 9-11, AMP)

“The silver is mine and the gold is mine,” declares the Lord Almighty.  (Haggai 2:8)

“Will a man rob God? Yet you rob me.” But you ask, ‘How do we rob you?’ “In tithes and offerings.  You are under a curse–the whole nation of you–because you are robbing me.  Bring the whole tithe into the storehouse, that there may be food in my house. Test me in this,” says the Lord Almighty, “and see if I will not throw open the floodgates of heaven and pour out so much blessing that you will not have room enough for it.”  (Malachi 3:8-10)

But seek first his kingdom and his righteousness, and all these things will be given to you as well. (Matthew 6:33)

Give, and it will be given to you. A good measure, pressed down, shaken together and running over, will be poured into your lap. For with the measure you use, it will be measured to you.  (Luke 6:38)

...The Lord Jesus himself said: “It is more blessed to give than to receive.”  (Acts 20:35)

On the first day of every week, each one of you should set aside a sum of money in keeping with his income…(1 Corinthians 16:2)

Remember this: Whoever sows sparingly will also reap sparingly, and whoever sows generously will also reap generously.  Each man should give what he has decided in his heart to give, not reluctantly or under compulsion, for God loves a cheerful giver.  And God is able to make all grace abound to you, so that in all things at all times, having all that you need, you will abound in every good work  (2 Corinthians 9:6-8).

Financial principles in the Psalms.

The book of Psalms opens with a promise that whatever you do will prosper: “Blessed is the man that walketh not in the counsel of the ungodly, nor standeth in the way of sinners, nor sitteth in the seat of the scornful. But his delight is in the law of the Lord; and in his law doth he meditate day and night. And he shall be like a tree planted by the rivers of water, that bringeth forth his fruit in his season; his leaf also shall not wither; and whatsoever he doeth shall prosper” (Psalm 1:1-3, KJV).     Here are the steps to prospering in all you do:

-Refuse to walk in the counsel of  the ungodly.

-Stop hanging out with sinners.

-Stop scorning God’s promises.

-Delight in the Word of God.

-Meditate on God’s Word day and night…

…and you will prosper in all you do!

Here are some other key principles from the book of Psalms:

-God cares for the poor, as should we: 22:26; 9:18; 12:5; 14:6; 35:10; 40:17; 41:1; 68:10;

69:33; 72:4,12-13;19; 107:41; 109:31; 112:9; 113:7; 132:15; 140:12.

-God promises blessings when you give to the poor: 11:1-3.

-God delivers the poor and needy: 72:12-14; 132:15.

-If you regard iniquity in your heart, God won’t hear you–which means He won’t hear your

  prayers for financial blessing:  66:18.

-Do not charge a Christian brother interest or accept bribes: 15:5.

-Do not trust in wealth: 49:6-7, 10-12, 16-17; 52:7.

-Wealth and riches will be found in the house of one who serves the Lord:  112:3.

-It is better to have little than to have much and dwell with the wicked:  37:16.

-Do not borrow and fail to repay: 37:21.

-The righteous will never be forsaken and his children will never beg: 37:25.

-God provides for the righteous because of their generosity: 37:25-26.

-God provides lavishly for His people: 105:37-45.

-God bless those who give generously: 112:5.

Financial principles in Proverbs.

-Warnings against ill-gotten gains: 1:13-15; 10:2; 11:16, 18; 12:11 13:11; 21:5-6; 23:4;

28:8,16, 19-20;  28:24.

-Wisdom is more important than wealth:  2:14-16; 8:11,18; 16:16; 4:15.

-Admonitions to give tithes and offerings: 3:9-10.

-Admonitions to be generous and rewards for generosity: 3:27-2; 11:24-25; 22:9.

-The danger of co-signing for the debts of others: 6:1-11; 11:15; 22:26-27.

-Avoid bribery: 6:35.

-The importance of saving:  6:6-8.

-Acknowledge God’s divine provision: 10:3; 11:4.

-Warnings against laziness and admonitions to be diligent: 10:4-5; 13:4; 18:9;

20:4,13; 21:5; 21:20, 25-26; 21:17; 23:21; 24:30-34; 28:3.

-Warnings against trusting in riches: 11:28; 18:11; 20:21; 23:4-5; 27:24.

-Warning against hording: 11:26.

-The wealth of the wicked is stored up for the righteous: 13:22.

-Admonitions to care for the poor: 14:21, 31; 17:5; 18:23;  22:22-23; 19:17; 21:13;

22:9,16,22-23; 28:27.

-Warnings against greed:  15:27; 28:25; 28:4.

-Honesty in business is required: 11:1; 16:11; 20:23.

-Humility and the fear of the Lord bring wealth: 22:4.

-Avoid borrowing:  22:7.

-Don’t be stingy: 21:26; 23:6-7; 28:22.

-There is value in being neither rich or poor: 30:8-9.

-Wealth obtained by fraud disappears: 13:11.

-Don’t oppress the poor:  22:16.

-Reasons for poverty: 11:24; 13:18; 20:13; 23:21; 24:34; 28:19; 28:22.

Financial principles in Ecclesiastes. 

Despite the fact that Solomon–the author of Ecclesiastes–had great riches, he found them to be meaningless (Ecclesiastes 2:8-15).  Read chapter 2 for his exhortation on the meaninglessness of riches apart from God.  He acknowledges God as the source of wealth and of any joy that one might gain through riches (Ecclesiastes 5:19). In chapter 5 verses 4-5, Solomon emphasizes the importance of keeping vows made to God–which, of course,  includes financial vows.  He observes that one who loves money never has enough of it.   He also presents the concept that the wicked store up wealth for the righteous (Ecclesiastes 2:26) and that if you give to others, in due time you will receive (Ecclesiastes 11:1).

Financial principles in the prophetic books.

Isaiah:

Providing for the poor is important to God, so you are blessed when you give to  the  poor: 1:23;10:1-2; 41:17-20; 58:7.

Jeremiah:

Do not glory in riches: 9:23.

Pay fair wages: 22:13.

A promise of restoration: 33:10-11.

Do not oppress the poor: 18:17.

Ezekiel:

Divine restoration is promised: 1:17.

Hosea:

If you sow to the wind, you will reap the whirlwind: 6:6.

God does not bless dishonesty:  12:7.

Joel:

Divine restoration is promised: 2:25-27.

Amos:

Divine restoration is promised: 9:11.

A tremendous end-time harvest will occur: 9:13.

Jonah:

Divine provision was evident–even for God’s errant prophet: 1:17; 3:6-7.

Micah:

Do not defraud others: 2:1-2.

Ill-gotten gains will not last: 4:13b.

Habakkuk:

Stealing and extortion is forbidden: 2:6-7.

Haggai:

Priority should be given to the work of the Lord:  1:5-11.

God blesses you financially from the moment you begin to obey His Word: 1:18-19.

Malachi:

Do not offer blemished sacrifices: 1:9,11.

Pay workers a fair wage: 3:5.

Do not rob God by refusing to pay tithes:  3:7-12.

Some extravagant givers in the New Testament.

-The wise men. They gave valuable gifts to Christ (Matthew 2:9-12).

-Anointing women. Each of the gospels reports a story of a woman who worshiped Jesus by anointing Him with expensive fragrances. Read these accounts in Luke 7:36-50; Matthew 26:6-13;  Mark 14:3-9;  and John 12:1-11. What extravagant gift can you give to God?  For sure, you can offer sacrifices of praise and worship.  Don’t let your giving become routine.  Give as an act of worship.

-Generous women.These women offered hospitality to Jesus and His disciples during His earthly ministry: Luke 8:1-3 and 19:38-42 and John 11:1-45 and 12:1-12.

-Joseph and Nicodemus.   Matthew 27:57 introduces a rich man of Arimathaea, named Joseph, who was Jesus’ disciple.” Mark 15:42-47 and Luke 23:50-54 describe Joseph’s visit to Pilate, his request for Christ’s body, and the gift of his own tomb for His burial. John 19:38-40 indicates that Joseph was helped by Nicodemus, who gave 100 pounds of myrrh and aloes for embalming the Lord’s body.

-Zacchaeus.  Read his story in Luke 19.  Financial restoration to those he had cheated was the first response of this dishonest tax collector after he came to Jesus.  Is there restoration you need to make to others in order to be blessed financially?

-A small boy with a small lunch. The boy in John 6 gave what he had and a multitude was fed. What do you have that you can give to God to be supernaturally multiplied?

-The poor widow. This lady is one of the greatest biblical givers.  We do not know her name, but her story is recorded in Mark 12:41-44 and Luke 21:1-4.  She gave all she had!

-Luke’s commendations to extravagant givers. John the Baptist (Luke 3:10-11); the Capernaum centurion (Luke 7:5-6); Joanna and Susanna (Luke 8:1-3); the good Samaritan (10:25-37);  Zacchaeus (Luke 19:8-10); the widow (Luke 21:1-4); and Joseph (Luke 23:50-54)  How would Luke view your generosity?

Financial Principles In The Book Of Acts.

In Acts chapter 2,  new believers in the first church manifested immediate changes in their financial practices and made giving central to their lives (Acts 2:42-45). Acts 4:32-37 describes the believers’ generosity.  In Acts 9:36-39, Luke describes Dorcas as a giving person.  Cornelius was introduced in Acts 10:1-2 as one who… “gave much alms to the people”  and in Acts 16:15 a woman named Lydia gave hospitality to Paul and Silas.

Acts 5:1-11 tells the story of a man and his wife who gave deceitfully and suffered severe judgment for doing so.  Acts 8:18-24 records the story of a man who thought he could buy the gifts of God with money and learned it cannot be done.

Acts 11:27-30 records an important development in giving. Barnabas and Saul were teaching Gentile believers in Syrian Antioch when some prophets visited them and told of a famine that was to come.

Acts 20:35 emphasizes the teaching of Jesus that it is more blessed to give than to receive.

Financial principles in the Epistles.

Romans.

-One who works is worthy of his wages: 4:4.

-God, who gave His Son, will graciously give you all things: 8:32.

-The greatest gift you can give to God is to present your body a living sacrifice: 12:1-2.

-When you give, do it liberally: 12:8.

-Owe nothing to anyone: 13:8.

-The early church cared for the poor, as you should also: 15:25-27.

1 Corinthians.

-You already have all you need and are rich in Christ: 4:8.

-You should work hard with your own hands: 4:12.

-Those who preach the Gospel should live by the Gospel–a minister can be supported by the church:  9:14.

-You should offer the gospel free of charge: 9:18.

-Each believer should give tithes and offerings in keeping with their income: 16:1-2.

2 Corinthians.

-The command not to be yoked together with unbelievers applies to business associates as well as other relationships: 6:14.

-Generosity is encouraged: 8:1-12.

-Jesus became poor that you might become rich: 8:9.

-You should give willingly: 8:12.

-Believers should help one another when in need: 8:13-15.

-If you sow sparingly, you will reap sparingly: 9:6.

-Believers should purpose in their hearts what to give and give cheerfully, rather than grudgingly or out of  necessity because they have to do so: 9:7.

-God wants you to abound in all things at all times so that you can accomplish good works: 9:8-9.

-God supplies your need so that you can sow more seed and reap a harvest so you can sow again: 9:10.

-God wants you to be made rich in every way so you can be generous and through your generosity God will be      glorified: 9:11-13l.

Galatians.

-Paul remembered the poor, as should we: 2:10.

-You reap what you sow: 6:6-9.

-You should not grow weary in sowing: 6:9-10.

Ephesians.

-As a believer, you are blessed with spiritual blessings: 1:3.

-You have unsearchable riches in Christ: 3:8.

-He is able to do immeasurably more than all you ask or think according to the power within you:  3:20.

Philippians.

-Worldly profit is viewed as loss to a believer:  3:7-11.

-The Philippians gave to Paul, who mentored them in the faith.  You should give to those who mentor you in the faith as well: 4:14-17.

-Believers may experience times of need as well as plenty, but God ultimately supplies your needs: 4:11-12.

-The secret in any circumstance is to be content with what you have:  4:12.

-Your offerings are a sweet-smelling scent before God: 4:18.

Colossians.

-You have immense riches through Jesus Christ: 2:2-3.

-Avoid greed, which is actually idolatry: 3:5.

-Whatever you do, you should do it as if you are working for the Lord instead of men, for it is

from  Him you will receive your reward: 23-24.

1 Thessalonians.

-Paul worked with his own hands in order not to be a burden to anyone while he preached the Gospel.  There may be times that it is necessary for you to do this also: 1:9; 4:11.

2 Thessalonians.

-Paul worked with his own hands while sharing the gospel, so as not to be a burden on the people to whom he was ministering: 3:8-9.

-If a person does not work, he should not eat: 3:10.

-You must earn the bread which you eat: 3:12.

1 Timothy.

-You should not be a lover of money: 3:3.

-You should not pursue dishonest gain: 3:8.

-If a person does not provide for his family, he has denied the faith and is worse than an

unbeliever: 5:8.

-Believers should help widows in their family: 5:16.

-The church should help widows in need who do not have family to help them: 5:16.

-Workers are worthy of their wages: 5:17-18.

-Godliness with contentment is great gain:  6:6.

-You brought nothing into the world and can take nothing out of it: 6:7.

-You should be content with having your basic needs met–food and clothing: 6:8.

-People who pursue riches often fall into traps: 6:9.

-The love of money is the root of all kinds of evil: 6:10.

-The love of money has caused some to wander from the faith and experience much grief: 6:6-10.

-Those who are rich should not trust in their riches, but they should invest in eternity: 6:17.

-Those who are rich should be generous and willing to share:  6:18.

-You lay up treasures in heaven when you give to others: 6:19.

2 Timothy.

-In the last days, people will love money more than they love God: 3:2.

-Have nothing to do with those who love money: 3:5.

Philemon.

-God uses us to meet the needs of others: 1:18.

Hebrews. 

-Tithing was instituted when Abraham paid tithe to Melchizedek: 7:1-10.

-If your heart is not set on riches, the “spoiling of your goods” will not affect your faith in God:

10:34-35.

-Men and women of faith from biblical history are listed in Hebrews 11.  They all are givers,having given up something, performed dangerous tasks for the Lord at personal risk, and/or laid down their lives as martyrs.  The greatest gift you can give is to offer your life to Jesus Christ to fulfill His purposes:  Hebrews 11.

-You should continually offer a sacrifice of praise to God.  It is not a sacrifice when everything is

going well.  It is a sacrifice when you are struggling with difficult circumstances: 13:15.

-God equips you with divine provision so that He can work in you and through you: 13:21.

James. 

-God generously gives wisdom to govern every aspect of our lives–including finances: 1:5-7.

-You cannot be double-minded and expect to receive anything from God: 1:7.

-You should not show partiality to the rich: 2:1-9.

-Giving necessities is a good work of faith: 2:15-16.

-If you ask and do not receive, perhaps it is because you have a wrong motive: 4:2-3.

-You should guard against divisions that arise out of covetousness and  materialistic desires: 4:1-3.

-The rich should not horde, withhold fair wages, live in luxury, or be unjust: 5:1-6.

1 John.

-The Father’s lavish love for us is one of His greatest gifts: 3:1.

3 John. 

-John’s prayer for believers was that they would prosper and be in good health even as their soul

prospered. God wants you to prosper in every area of your life–body, soul, and spirit: 3:2.

Jude.

-The gift of divine preservation will keep you from falling and present you faultless in the presence of the Lord:  1:24.

Financial principles in the book of Revelation.

-The church at Laodicea is chided by God for trusting in their riches.  They did not recognize their spiritual poverty.  True riches come from God: 3:17-18.

-“Hurt not the oil and the wine.”  The oil is a type of the Holy Spirit and the wine is a type of Christ’s blood.  The command here is to not touch God’s people with the end-time economic chaos that is caused by the rider on the black horse: 6:6.

-God will create all things new–a new heaven and a new earth–and give this lavish gift and eternal life to His people:  Chapter 21.

Summary of Biblical financial principles.  To get the full benefit of this summary, look up each reference in your Bible and read the entire passage.  This will enable you to study each teaching within the context it was given.

Asking:

-Ask, and you shall receive: Luke 11:9-10.

-Your Heavenly Father always responds to your appeals: Matthew 7:7-12; Luke 11:5-18.

Covetousness:

-Covetousness is sin: Mark 7:21.

-You should beware of covetousness:  Luke 12:15.

-Be content with your wages:  Luke 3:14.

Fairness:

-The Father is fair in bestowing rewards to His servants:  Matthew 20:1-13.

-Those who experience true change in their lives will set their finances in order.  Zacchaeus, the   

  tax collector, is an example:  Luke 19:1-9.

Financial planning:

-Plan wisely before you begin a project so you know that you have sufficient funds to finish it:  Luke 14:28-30.

-God expects you to be a good financial manager.  See the parable of the good manager:   Luke 16:1-12.

Forgiving debt:

-You should be merciful and forgive others their debts, even as you have been forgiven.  The   parable of the unmerciful servant:  Matthew 18:21-35.

Giving:

-Do not give to be seen by others:  Matthew 6:1-4.

-Store up treasures in heaven rather than on earth: Matthew 6:19-21; Luke 12:32-34.

-When you give what you have, God multiplies it:  Matthew 14:13-21; 15:29-38; Mark 6:30-44;   

  8:1-21;  Luke 9:12-17; John 6:1-13.

-Whatever you give up to follow God, you will receive it multiplied back to you in this life and

  in eternity:  Matthew 19:27-29; Mark 10:29-30; Luke 18:28-30.

-Jesus takes note of your giving.  The widow who gave all: Mark 12:41-43; Luke 21:1-4.  The

  extravagant gift from Mary: John12:3-8.

-Give to those who ask of you: Matthew 5:42;  Luke 6:30.

-You are to help those who are suffering, even as the good Samaritan did:  Luke 10:25-37.

-The smallest act of giving does not go unnoticed:  Matthew 10:42.

-Give and it will be given to you in abundance:  Luke 6:38.

-When you give to those in need, you are giving to the Lord:  Matthew 25:35-45.

-Giving does not absolve you of keeping the other laws of God: Matthew 23:23; Luke 18:10-14.

-You should give alms (offerings to the poor) based upon what you have:  Luke 11:41.

-Give to the poor: Luke 14:12-14.

Hindrances to giving and receiving:

-If you have anything in your heart between you and a brother or sister, make it right before presenting your gifts to God:  Matthew 5:23-24.

Possessions:

-Your life doesn’t consist in the abundance of things you possess:  Luke 12:15,23.

-Own your possessions, don’t let your possessions own you:  Mark 10:17-27.

Priorities in regards to money:

-Following the Lord, not money, must be your priority. The rich young ruler:  Matthew 19:16-

  22; Luke 18:18-27.

-God’s house should be a house of prayer, not merchandising:  Mark 11:15-17; John 2:13-16.

-Your eternal destiny is more important than amassed riches.  The rich fool:  Luke 12:13-21 and the rich man and Lazarus:  Luke 16:19-31.

-Seek first God’s kingdom, and all other things will be added to you:  Luke 12:31.

Riches–their danger:

-It is difficult for rich people to be saved when they trust in their wealth: Matthew 19:23-26;  Mark 10:23-27.

-You should guard against the deceitfulness of riches:  Mark 4:19.

Stewardship:

-If you are not a good steward, what you have will be given to others: Matthew 21:33-41; Mark 12:1-9; Luke 19:11-26; 20:9-16.

-God has given you talents, spiritual gifts, and finances for which you will be held responsible  when Jesus returns:  Matthew 24:45-51;  25:14-30; Mark 13:34-37; Luke 14:42-48; 16:1-12.

Taxes:

-You should pay your taxes:  Matthew 22:19-21; 17:24-26.

-Give to the government what is required and give to God what is His:  Matthew 22:16-23;  Luke 20:20-26.

Theft:

-Theft is a sin: Matthew 15:19; Mark 7:21-23.

-You should not steal: Matthew 19:17-18; Mark 10:19; Luke 18:20.

Trust in God’s provision:

-Do not worry about food, clothing, etc, because God will take care of you:  Matthew 6:25-34;Luke 12:6-7; 22-31.

-Seek first God’s Kingdom, and all else will be provided:  Luke 12:31.

-Don’t be limited by your own resources but trust in God’s provision: Luke 22:35.

Work:

-When you do your work God’s way, supernatural multiplication occurs: Luke 5:4-11;   John 21:1-6.

(See also “Tithes And Offerings” in this database.  For detailed teaching regarding finances, obtain the Harvestime International Network publication entitled “Divine Provision” available at http://www.harvestime.org)

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