Stewardship - europartners.org

Stewardship - europartners.org

Bible on Money Programme Session 1: Vision, Value, & Programs Session 2: Gods & Our Responsibilities Session 3: Seeking Counsel, Spending Session 4: Debt, Debt List Session 5: Giving, Saving Session 6: Honesty/Integrity, Eternity SESSION 1 Vision, Mission, Values,

Programs Money is the language of the world. Gods Word is the translation that leads to True Financial Freedom. Living & Working In Gods Economy!

Stewardship Mt 25:14-30 Generosity Acts 20:35 Our vision To see every follower of Christ in every nation faithfully living by Gods financial principles in every area of their lives

Our mission Equipping people worldwide to learn, apply, and teach Gods financial principles so they may know Christ more intimately, be free to serve Him, and help fund the Great Commission. Core Values

Programmes Financial Literacy Leadership Development Small Groups Seminars & Conferences Media Marketplace Coaching My Financial Compass Achievement

Free to focus on your Life Values! You are realising your important long term goals, e.g. Home, business, education, retirement, legacy etc. Free to reach your goals! vision

N Focusing on what you find most important in life your Life Values! E W discipline

Creativity Creating margin: You can focus on developing your important relationships, learning contentment, Knowing how much is enough and growing in generosity

Free to live! Your finances in order S You can live comfortably and in peace, managing debt well and saving for future expenses Free to invest!

Session 2 Introduction Why should we talk about money? I. Introduction Why should we talk about money? 1. Spiritual reasons A. How we handle money has a big impact on the intimacy of our relationship with Christ.

If you have not been faithful in the use of [worldly wealth], who will entrust the true riches to you? Luke 16:11, NASB I. Introduction Why should we talk about money? 1. Spiritual reasons A. How we handle money has a big impact on the intimacy of our relationship with Christ. A more intimate relationship with

Christ is the true riches in life. I. Introduction Why should we talk about money? 1. Spiritual reasons B. Money is a primary competitor with Christ for the lordship of our lives. No one can serve two masters. Either he will hate the one and love the other, or he

will be devoted to the one and despise the other. You cannot serve both God and mammon. I. Introduction Why should we talk about money? 1. Spiritual reasons C. The way we handle finances is an outside indicator of our inward spiritual condition. 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 I. Introduction Why should we talk about money? Financial Problems Spiritual issues Stewardship responsibility of the church

Poor Generosity living habits Poverty Business Church

Debt bondage Relationships I. Introduction Why should we talk about money? 2. Practical reasons More month than money Haggai 1:5,6 Need wisdom from above James 3:17 More ministry than people Mark 4:19

Money tends to disappear Proverbs 23:5 I. Introduction Why should we talk about money? 2. Practical reasons Lack of faith, hope and love fear, despair, greed Session 3 Gods Part and my part! II. Gods Responsibilities and

Our Responsibilities 1. Gods responsibilities A. God is the owner of everything. The earth is the Lords, and everything in it, the world, and all who live in it. Psalm 24:1 II. Gods Responsibilities and Our Responsibilities 1. Gods responsibilities

B. God is in control. The Lord does whatever pleases him, in the heavens and on the earth. Psalm 135:6 II. Gods Responsibilities and Our Responsibilities 1. Gods responsibilities C. God will provide our needs. My God will meet all your needs according to his glorious riches in Christ Jesus.

Philippians 4:19 II. Gods Responsibilities and Our Responsibilities 2. Our responsibilities with money A. We are stewards of Gods possessions. (A steward is a manager of someone elses possessions.) [Psalm 8:5-8] II. Gods Responsibilities and Our Responsibilities

2. Our responsibilities with money B. We are to be faithful with the resources He places in our hands. It is required in stewards, that a man be found faithful. 1 Corinthians 4:2, KJV KJV II. Gods Responsibilities and Our Responsibilities 2. Our responsibilities with money C. We are to be faithful in our theology. 2 Timothy 3:16

II. Gods Responsibilities and Our Responsibilities POVERTY PROSPERITY STEWARDSHIP Possessions are Evil A right A responsibility

I work to Meet only Become rich basic needs Serve Christ Godly people are Poor

Wealthy Faithful Ungodly people are Wealthy Poor Unfaithful

I give Because I must To get Because I love God My spending is Without

gratitude Carefree and consumptive Prayerful and responsible III. Work 1. The Lord created work for our benefit in the sinless environment of the Garden of Eden. The Lord God took the man and put him in

the Garden of Eden to work it and take care of it. Genesis 2:15 Avodah = worship III. Work 2. Gods perspective of work A. Work is necessary. Six days you shall labor. Exodus 34:21 If a man will not work, he shall not eat. Thessalonians 3:10

III. Work 2. Gods perspective of work B. Work develops character. Diligent hands [a good worker] will rule, but laziness ends in slave labor. Proverbs 12:24 III. Work 2. Gods perspective of work C. We work for Christ. Whatever you do, work at it with all your heart, as working for the Lord, not for

men. . . . It is the Lord Christ you are serving. Colossians 3:23-24 III. Work 3. Gods work responsibilities A. God gives us our job skills. And every skilled person to whom the Lord has given skill and ability to know how to carry out all the work . . . Exodus 36:1 III. Work

3. Gods work responsibilities B. God gives us our success. The Lord was with Joseph and he prospered . . . his master saw that the Lord was with him and that the Lord gave him success in everything he did . . . Genesis 39:2-3 III. Work 3. Gods work responsibilities C. God controls promotion and advancement. No one from the east or the west or from

the desert can exalt [promote] a man. But it is God who judges: He brings one down, he exalts [promotes] another. Psalm 75:6-7 III Work 4. Gods work responsibilities D. God provides income But seek first his kingdom and his righteousness, and all these things will be given to you as well. . Matthew 6:33

III. Work 4. Our work responsibilities A. We are to work hard. Whatever your hand finds to do, do it with all your might. Ecclesiastes 9:10 III. Work 4. Our work responsibilities A. We are to work hard. The precious possession of a man is

diligence. Proverbs 12:27, NASB NASB III. Work 4. Our work responsibilities A. We are to work hard. One who is slack in his work is brother to one who destroys. Proverbs 18:9

III. Work 4. Our work responsibilities A. We are to work hard. We worked night and day, laboring and toiling so that we would not be a burden to any of you . . . in order to make ourselves a model for you to follow. 2 Thessalonians 3:8-9 III. Work 4. Our work responsibilities

B. We are not to overwork. Six days you shall labor, but on the seventh day you shall rest; even during the plowing season and harvest you must rest. Exodus 34:21 III. Work 4. Our work responsibilities C. We are to be honest. Do not steal. Do not lie. Do not deceive one another. Leviticus 19:11

III. Work 4. Our work responsibilities D. We are to honor our employers. Slaves, [employees] submit yourselves to your masters [employers] with all respect, not only to those who are good and considerate, but also to those who are harsh. 1 Peter 2:18 III. Work 2. Gods perspective of work E. We are to honor fellow employees and

never slander them. Do not slander a servant [employee] to his master [employer], or he will curse you. Proverbs 30:10 SESSION 3 How to better control expenses Seeking Counsel, Spending I. Before major decisions, it is wise to seek counsel. Listen to advice and accept instruction,

and in the end you will be wise. Proverbs 19:20 The way of a fool seems right to him, but a wise man listens to advice. Proverbs 12:15 I. Before major decisions, it is wise to seek counsel. 1. Gods Word. For the word of God is living and active. Sharper than any double-edged sword . . . it judges the thoughts and attitudes of the

heart. Hebrews 4:12 I. Before major decisions, it is wise to seek counsel. 2. Spouse. The Lord God said, It is not good for the man to be alone. I will make a helper suitable for him. Genesis 2:18 I. Before major decisions, it is wise to seek counsel. 3. Parents.

My son, keep your fathers commands and do not forsake your mothers teaching Proverbs 6:20 I. Before major decisions, it is wise to seek counsel. 4. Godly people. (Psalm 1:1-3) Remember, Gods ways are totally different! Isaiah 55:8,9 I. Before major decisions,

it is wise to seek counsel. 5. Many counselors. Plans fail for lack of counsel, but with many advisers they succeed. Proverbs 15:22 For lack of guidance a nation falls, but many advisers make victory sure. Proverbs 11:14 I. Before major decisions, it is wise to seek counsel. 6. Avoid fortune-tellers, mediums and spiritualists! Do not turn to mediums or seek out spiritists;

for you will be defiled by them. I am the Lord your God. Leviticus 19:31 II. Biblical truths to spending wisely There are several biblical principles that should influence our spending. II. Biblical truths to spending wisely 1. Learn to be content. I have learned to be content whatever the

circumstances. I know what it is to be in need, and I know what it is to have plenty. I have learned the secret of being content in any and every situation, whether well fed or hungry, whether living in plenty or in want. I can do everything through him who gives me strength. Philippians 4:11-13 II. Biblical truths to spending wisely 2. Learn to avoid coveting. You shall not covet your neighbors house.

You shall not covet your neighbors wife, or his manservant or his maidservant, his ox or donkey, or anything that belongs to your neighbor. Exodus 20:17 II. Biblical truths to spending wisely 3. Do not determine your spending by comparing it to others, and be aware of the influence of advertising. Therefore, I urge you brothers, in view of Gods mercy, to offer your bodies as living

sacrifices, holy and pleasing to Godthis is your spiritual act of worship. II. Biblical truths to spending wisely 3. Do not determine your spending by comparing it to others, and be aware of the influence of advertising. Do not conform any longer to the pattern of this world, but be transformed by the renewing

of your mind. Romans 12:1-2 II. Biblical truths to spending wisely 4. Live simply. Make it your ambition to lead a quiet life, to mind your own business and to work with your hands, just as we told you, so that your daily life may win the respect of outsiders and so that you will not be dependent on anybody. 1 Thessalonians 4:11-12

II. Biblical truths to spending wisely 5. If you have special economic needs, they should be brought to the body of Christ. Our desire is not that others might be relieved while you are hard pressed, but that there might be equality. At the present time your plenty will supply what they need, so that in turn their plenty will supply what you need. II. Biblical truths to spending

wisely 5. If you have special economic needs, they should be brought to the body of Christ. Then there will be equality, as it is written: He who gathered much did not have too much, and he who gathered little did not have too little. 2 Corinthians 8:13-15 II. Biblical truths to spending wisely 6. Develop and use a PLAN TO CONTROL SPENDING.

Be sure you know the condition of your flocks, give careful attention to your herds. Proverbs 27:23 Using a plan to control spending is a practical way to control the way you spend, so you can spend money wisely. How to develop a plan 1.Commit 2.Collect 3.Compare 4.Correct

5.Control II. Biblical truths to spending wisely 1. Commit A one-on-one meeting, 30 days from now II. Biblical truths to spending wisely 2. Collect

Ledger Ledger Shoebox II. Biblical truths to spending wisely 3. Compare INCOME Husbands take-home pay Wifes take-home pay

Other Income Total Net Income Deduct taxes still owed to the government Deduct giving to God Net Spendable Income EXPENSES __________ + __________ + __________ = __________

Savings Food Housing Transportation __________ __________ = __________ Income Expenses

__________ + __________ + __________ + __________ + __________ + __________ + __________ = __________ II. Biblical truths to spending wisely 4. Correct

Learning to live in the circle of Gods blessings II. Biblical truths to spending wisely 5. Control . Cash for 1-7 8-15

16-23 24-31 Food (440) 110 110 110

110 Gas (240) 60 60 60 60

Enter (200) 50 50 50 50 Misc. (280)

70 70 70 70 410 410

410 410 TOTAL SESSION 4 Debt Debt I owe, I owe, its off to work we go

I. Debt The Bible does not say that borrowing is sin, but it does discourage it. Debt is money or possessions which one person is obligated to pay to another. Debt includes money owed to banks, friends, relatives, credit card companies, and finance companies. I. Debt 1. What Scripture says about debt A. Debt is discouraged.

Let no debt remain outstanding. Romans 13:8 The wicked borrow and never repay, but the godly are generous givers Psalm 37:21 I. Debt 1. What Scripture says about debt B. Debt is considered slavery. The rich rule over the poor, and the borrower

is servant to the lender. Proverbs 22:7 We do not have full freedom to decide where to spend our income if we have obligated ourselves to repay debt. I. Debt 1. What Scripture says about debt C. In the Old Testament: (1) Debt was a curse for

disobedience. If you do not obey the Lord your God . . you. . . . all these curses will come upon The alien who lives among you will rise above you higher and higher. . . . He will lend to you, but you will not lend to him. Deuteronomy 28:15, 43-44 43-44 I. Debt

1. What Scripture says about debt C. In the Old Testament: (2) Freedom from debt was a reward for obedience. IfIf you fully fully obey obey the the LORD LORD your your God God and and carefully

carefully follow follow all his his commands commands II give give you today, the LORD your God will will set set you you high high above

above all all the the nations nations on on earth. earth. All All these these blessings blessings will will come upon you and accompany accompany you if you obey

obey the LORD your your God: God: The LORD LORD will will open open the the heavens, heavens, the the storehouse storehouse of of his

his bounty, bounty, to send send rain rain on your land in season season and and to to bless bless all the the work work of your hands. You will lend to many nations but

but will will borrow borrow from from none none. Deuteronomy Deuteronomy 28:1-2, 28:1-2, 12 12 I. Debt 2. Some factors that lead to debt

Lack of knowledge Most people have not been trained to handle money Gods way. Antidote? Compass course, of course! I. Debt 2. Some factors that lead to debt Lack of planning and discipline Many people spend impulsively because

they have no written plan or budget to ensure that spending does not exceed income. Antidote? I can do all things, through Christ ! I. Debt 2. Some factors that lead to debt Indulgence Some people spend in an attempt to satisfy fleshly desires. Antidote? Contentment!

I. Debt 2. Some factors that lead to debt Circumstances Sometimes people use debt when they experience unexpected emergencies, such as an illness or loss of a job. Antidote? Look to God first! I. Debt

3. How to get out of debtseven steps: A. Pray. Do not be anxious about anything, but in everything, by prayer and petition, with thanksgiving, present your requests to God. Philippians 4:6 I. Debt 3. How to get out of debtseven steps: B. Accumulate no new debt. A prudent man sees danger and takes refuge, but the simple keep going and suffer for it

Proverbs 22:3 I. Debt 3. How to get out of debtseven steps: C. List all your debts and everything you own. List your debts to determine your current financial situation. Then decide whether you should sell any possessions to reduce debt. I. Debt 3. How to get out of debtseven steps: D. Use a written plan to control your

spending. . . . to ensure that spending does not exceed income and to identify extra money that may be available for paying debts faster. I. Debt 3. How to get out of debtseven steps: E. Establish a repayment plan for each debt. Communicate with your creditors. Most creditors are willing to work with people who honestly want to repay their debt, communicate regularly and follow

through. I. Debt 3. How to get out of debtseven steps: E. Establish a repayment plan for each debt. Try to pay off the smallest debts or those with the highest interest rate first. Once you have paid off the first debt, add that payment amount to the regular payment for the second one you want to pay off. Then, when that one is paid off, apply both payments to the next debt and so forth until all

debts are paid. I. Debt 3. How to get out of debtseven steps: F. Consider earning additional income. Many people hold jobs that simply do not produce enough income to meet their needs even if they spend wisely. They may need to earn additional income to stay out of debt. I. Debt 3. How to get out of debtseven steps:

G. Reduce spending. Some people need to lower their spending to get out of debt. I. Debt Paying back a debt the snowball Creditor Postorder Father Bank (overdraft)

Pers. Loan Debt Inter- Min. est Inst. month Extra inst.

After 3 months Payments each month After 6 After 15 After 22 months months months 372 550 18%

0 15 20 150 165 20 1.980 19%

40 40 40 225 Paid 2.369 16,9%

50 50 50 50 275 Paid

259 259 259 259 259 534

384 534 534 534 534 534

Car 7.200 Total 12.471 6,9% Paid

185 Paid After 26 months Paid I. Debt Seven Prerequisites for Acquiring Debt A.

A. Be Be committed committed to to pay pay itit back. back. B. B. Never Never co-sign. co-sign. C. C. Obey

Obey the the Principle Principle of of Guaranteed Guaranteed Commitment.* Commitment.* D. D. Avoid Avoid making making present present commitment

commitment based based solely solely in in future future earnings. earnings. E. E. Never Never place place your your family

family at at risk. risk. F. F. Avoid Avoid consumer consumer debt. debt. G. G. Use Use current current account

account credit credit wisely. wisely. H. H. Can Can II handle handle it? it? I. I. Do Do II have have peace?

peace? Romans Romans 13:7 13:7 Proverbs Proverbs 17:18 17:18 Proverbs Proverbs 22:26-27 22:26-27 Proverbs

Proverbs 27:1 27:1 11 Timothy Timothy 5:8 5:8 Romans Romans 13:8 13:8 11 Corinthians Corinthians 4:2 4:2 11 Corinthians

Corinthians 6:12 6:12 Colossians Colossians 3:15 3:15 Buying a building Trendy Conservative 1st. Phase 2nd. Phase

Price 300.000 210.000 300.000 Deposit 45.000 45.000 210.000 Mortgage 255.000 165.000 90.000

____________________________________________________________________ Payments/mo 1.782 1.788 1.803 Interest 7.5% 7.5% 7.5% Period 30 yr 11 yr

5 yr 16 yr ____________________________________________________________________ Total payments 641.952 247.056 108.204 355.260 Costs 15.300 9.000 3.000 12.000

Total costs 657.252 256.056 111.204 367.260 ___________________________________________________________________ Gross costs Debt free in 657.252 -/- 367.260 = 30 years 16 years

* excl. fiscal effects 289.992 savings 13 years faster I. Debt Borrowing the dangers! The future is uncertain You cannot rely on it! James 4;13-17

An unnecessary burden Temptation and danger 1 Tim 6:9 Can stop God from working He will provide Heb. 13:5 Reduces availability

Need to renounce all.... Luke 14:33 I. Debt Which master are you serving? "No one can serve two masters. Either he will hate the one and love the other, or he will be devoted to the one and despise the other. You cannot serve both God and

Money. Matthew 6:24 I. Debt You are indebted when 1. 2. 3. 4. Your saleable assets < borrowings Promises are not kept When it causes anxiety Is 32:17

When a decision is not taken out of faith SESSION 5 Giving to others and saving for the future. I. Giving to others and saving for the future 1. It is important to give with the proper attitude.

I. Giving to others and saving for the future 1. It is important to give with the proper attitude. A. Give out of a heart of love. If I give all I possess to the poor . . . But have not love, I gain nothing. 1 Corinthians 13:3 I. Giving to others and saving

for the future 1. It is important to give with the proper attitude. A. Give out of a heart of love. God the Father set the example of giving in love. For God so loved the world that he gave his one and only Son. John 3:16 I. Giving to others and saving for the future 1. It is important to give with the proper attitude.

B. Give cheerfully. Each man should give what he has decided in his heart to give, not reluctantly or under compulsion, for God loves a cheerful giver. 2 Corinthians 9:7 I. Giving to others and saving for the future 1. It is important to give with the proper attitude. Reluctantly = sorrow, grief, or annoyance. Cheerful = joyful, happy, and exuberant.

I. Giving to others and saving for the future 2. Give to God first. Honor the Lord with your wealth, with the firstfruits of all your crops. Proverbs 3:9 I. Giving to others and saving for the future 3. Amount to give. Then Abram gave him a tenth of everything Genesis 14:20

I. Giving to others and saving for the future 3. Amount to give. Abraham (before the law of Moses) gave a tenth to Melchizedek, the priest of God. Mosaic law required tithes and offerings. The New Testament principle is to give generously: Jesus praised sacrificial giving.

I. Giving to others and saving for the future 3. Amount to give. A poor widow came and put in two very small copper coins, worth only a fraction of a penny. . . . Jesus said, I tell you the truth, this poor widow has put more into the treasury than all the others. They all gave out of their wealth; but she, out of her poverty, put in everything all she had to live on. Mark 12:42-44

I. Giving to others and saving for the future 3. Amount to give. We are convinced that a tithe is the minimum amount we should give to the Lord, desiring then to give more than the tithe as the Lord prospers us or directs us. I. Giving to others and saving for the future

4. Blessings of giving. Remembering the words the Lord Jesus himself said: It is more blessed to give than to receive. Acts 20:35 I. Giving to others and saving for the future 4. Blessings of giving. A. Giving draws our hearts toward Christ. For where your treasure is, there your heart will be also. Matthew 6:21

I. Giving to others and saving for the future 4. Blessings of giving. B. Giving develops godly character and helps us conform to Christ. Your attitude should be the same as that of Christ Jesus. Philippians 2:5 I. Giving to others and saving for the future 4. Blessings of giving. C. Giving allows us to put treasures in

heaven. But store up for yourselves treasures in heaven, where moth and rust do not destroy, and where thieves do not break in and steal Matthew 6:20 I. Giving to others and saving for the future 4. Blessings of giving. D. Giving can produce a material increase to the giver. One man gives freely, yet gains even more;

another withholds unduly, but comes to poverty. A generous man will prosper; he who refreshes others will himself be refreshed. Proverbs 11:24-25 I. Giving to others and saving for the future 4. Blessings of giving. D. Giving can produce a material increase to the giver. Whoever sows sparingly will also reap

sparingly, and whoever sows generously will also reap generously. . . . I. Giving to others and saving for the future 4. Blessings of giving. 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. As it is written: He has scattered abroad his gifts to the poor; his righteousness endures forever. I. Giving to others and saving for the future 4. Blessings of giving. Now he who supplies seed to the sower and bread for food will also supply and increase your store of seed and will enlarge the harvest of your righteousness. You will be

made rich in every way so that you can be generous on every occasion. 2 Corinthians 9:6-11 I. Giving to others and saving for the future 5. To whom should we give? A. Give to the local church, Christian workers and ministries. Pastors who do their work well should be paid well and should be highly appreciated, especially those who work hard at both

preaching and teaching. 1 Timothy 5:17, TLB TLB I. Giving to others and saving for the future 5. To whom should we give? A. Give to the local church, Christian workers and ministries. The Lord has commanded that those who preach the gospel should receive their

living from the gospel. 1 Corinthians 9:14 I. Giving to others and saving for the future 5. To whom should we give? B. Give to the poor. The King will say . . . I was hungry and you gave me something to eat, I was thirsty and you gave me something to drink. . . then the righteous will answer him, Lord, when did we see you hungry, and feed you,

or thirsty and give you something to drink?. . . I. Giving to others and saving for the future 5. To whom should we give? B. Give to the poor. The King will reply, I tell you the truth, whatever you did for one of the least of these brothers of mine, you did for me . . . Matthew 25:34-45

I. Giving to others and saving for the future 5. To whom should we give? B. Give to the poor. Whoever is kind to the needy honors God. Proverbs 14:31 II. Saving 1. Scripture encourages saving.

The wise man saves for the future, but the foolish man spends whatever he gets Proverbs 21:20, TLB TLB II. Saving 1. Scripture encourages saving. A. Save only if also giving. The ground of a certain rich man produced a good crop. He thought to himself, What shall I do? I have no place to store my crops. Then he said, This is what Ill do.

I will tear down my barns and build larger ones, and there I will store all my grain and my goods. And Ill say to myself, II. Saving 1. Scripture encourages saving. A. Save only if also giving. You have plenty of good things laid up for many years. Take life easy; eat, drink and be merry. But God said to him, You fool! This very night your life will be demanded

from you. . . . This is how it will be for anyone who stores up things for himself but is not rich toward God. . . . II. Saving 1. Scripture encourages saving. A. Save only if also giving. For where your treasure is, there your heart will be also. Luke 12:16-21, 34

II. Saving 1. Scripture encourages saving. B. Save regularly. Steady plodding brings prosperity; hasty speculation brings poverty. Proverbs 21:5, TLB TLB You do not have to earn a lot of money; rather, save consistently. II. Saving 1. Scripture encourages saving.

C. How much should we save? Let Pharaoh appoint commissioners over the land to take a fifth of the harvest of Egypt during the seven years of abundance. Genesis 41:34 II. Saving 1. Scripture encourages saving. D. What to save for. II. Saving 1. Scripture encourages saving.

D. What to save for. Save for unexpected emergencies. II. Saving 1. Scripture encourages saving. D. What to save for. Save for unexpected emergencies. Save for major purchases. II. Saving 1. Scripture encourages saving. D. What to save for.

Save for unexpected emergencies. Save for major purchases. Save for longer-term needs. II. Saving 1. Scripture encourages saving. E. Investments. (1) Avoid risky investments. There is another serious problem I have seen everywheresavings are put into risky investments that turn sour, and soon there is nothing left to pass on to

ones son. II. Saving 1. Scripture encourages saving. E. Investments. (1) Avoid risky investments. The man who speculates is soon back to where he beganwith nothing. This, as I said, is a very serious problem, for all his hard work has been for nothing; he has been working for the wind. It is all

swept away. Ecclesiastes 5:13-16, TLB II. Saving 1. Scripture encourages saving. E. Investments. (1) Avoid risky investments. (2) Diversify investments. Divide your portion to seven, or even to eight, for you do not know what misfortune may occur on the earth. Ecclesiastes 11:2, NASB

II. Investing Level 6 Level 5 Investing hierarchy Level 4 Level 3 Level 2 Level 1

Ensure a surplus Eliminat e all highinterest & shortterm debt Create freedom account

of 3-6 months living expense s Save for major purchase s Car Home

Furniture Diversify to meet long term goals Retireme nt College Business Financial

ind. Economic Conditions Biblical Principles Invest in higher risk ventures New business

, venture capital, hard assets II. Saving 1. Scripture encourages saving. F. Get-rich-quick schemes and gambling. A man with an evil eye hastens after wealth, and does not know that want will come upon him. Proverbs 28:22, NASB

II. Saving 1. Scripture encourages saving. F. Get-rich-quick schemes and gambling. Make a commitment never to gamble, even for entertainment. We should not expose ourselves to the risk of becoming compulsive gamblers, nor should we support an industry that enslaves so many. SESSION 6 Honesty/Integrity/Eternity

I. Honesty/Integrity The word integrity comes from the mathematics word integer, which means to be whole and unified, to be complete and open, to be undivided, without duplicity or pretense. It means to be consistent. What is on the inside is shown on the outside. I. Honesty/Integrity A person of integrity keeps his word even if it hurts him. His public and private standards are

the same. The secret of life is honesty and fair dealing... if you can fake that, youve got it made. Groucho Marx I. Honesty/Integrity 1. God wants us to be completely honest. The Lord detests lying lips. Proverbs 12:22 The Lord hates . . . a lying tongue.

Proverbs 6:16-17 Do not steal. Do not lie. Do not deceive one another. Leviticus 19:11 I. Honesty/Integrity 2. God has established the standard of honesty. A. Truthfulness is one of Gods attributes. Jesus said, I am . . . the truth. John 14:6 And the Lord commands us to reflect His honest and holy character: Be holy in all you do; for it is written,

Be holy, because I am holy. Peter 1:15-16 I. Honesty/Integrity 2. God has established the standard of honesty. B. We cannot be dishonest and love God. He whose walk is upright fears the Lord, but he whose ways are devious despises him. Proverbs 14:2 I. Honesty/Integrity

2. God has established the standard of honesty. C. We cannot be dishonest and love our neighbor. The commandments . . . Do not steal, Do not covet, and whatever other commandment there may be, are summed up in this one rule: Love your neighbor as yourself. Love does no harm to its neighbor. Romans 13:9-10 I. Honesty/Integrity 2. God has established the standard of honesty.

D. Integrity pleases God. I know, my God, that you test the heart and are pleased with integrity. 1 Chronicles 29:17 I. Honesty/Integrity 2. God has established the standard of honesty. E. Integrity provides security. The man of integrity walks securely, but he who takes crooked paths will be found out. Proverbs 10:9

I. Honesty/Integrity 2. God has established the standard of honesty. F. Integrity establishes credibility so that evangelism can be effective. So that you may become blameless and pure, children of God without fault in a crooked and depraved generation, in which you shine like stars in the universe. Philippians 2:15 I. Honesty/Integrity 2. God has established the standard of honesty.

G. Integrity provides guidance and confirms Gods direction. The integrity of the upright guides them, but the unfaithful are destroyed by their duplicity. Proverbs 11:3 I. Honesty/Integrity 2. God has established the standard of honesty. G. Integrity provides guidance and confirms Gods direction.

Put away from you a deceitful mouth, and put devious speech far from you. Let your eyes look directly ahead and let your gaze be fixed straight in front of you. Watch the path of your feet and all your ways will be established. Proverbs 4:24-26, NASB NASB I. Honesty/Integrity 3. God requires complete honesty from leaders. I. Honesty/Integrity

3. God requires complete honesty from leaders. A. A dishonest leader produces dishonest followers. If a ruler listens to lies, all his officials become wicked. Proverbs 29:12 I. Honesty/Integrity 3. God requires complete honesty from leaders. B. Dishonesty should disqualify a person from leadership. Select capable men from all the people men who fear God, trustworthy men who

hate dishonest gainand appoint them as officials . . . Exodus 18:21 I. Honesty/Integrity 3. God requires complete honesty from leaders. C. Integrity prolongs leadership. A leader . . . who hates unjust gain will prolong his days. Proverbs 28:16, NASB NASB I. Honesty/Integrity D. Bribes.

Do not accept a bribe, for a bribe blinds those who see and twists the words of the righteous. Exodus 23:8 A wicked man accepts a bribe in secret to pervert the course of justice. Proverbs 17:23 I. Honesty/Integrity 3. God requires complete honesty from leaders. E. Blessings and curses. (1) Blessings for the honest: A more intimate relationship with

the Lord. For the devious are an abomination to the Lord; but He is intimate with the upright. Proverbs 3:32, NASB I. Honesty/Integrity 3. God requires complete honesty from leaders. E. Blessings and curses. (1) Blessings for the honest: Blessings on the family. The righteous man leads a blameless

life; blessed are his children after him. Proverbs 20:7 I. Honesty/Integrity 3. God requires complete honesty from leaders. E. Blessings and curses. (1) Blessings for the honest: Full life. Truthful lips endure forever, but a lying tongue lasts only a moment.

Proverbs 12:19 I. Honesty/Integrity 3. God requires complete honesty from leaders. E. Blessings and curses. (1) Blessings for the honest: Abundance. The house of the righteous contains great treasure, but the income of the wicked brings them trouble.

Proverbs 15:6 I. Honesty/Integrity 3. God requires complete honesty from leaders. E. Blessings and curses. (2) Curses reserved for the dishonest: Alienation from God. For the devious are an abomination to the Lord. Proverbs 3:32, NASB I. Honesty/Integrity

3. God requires complete honesty from leaders. E. Blessings and curses. (2) Curses reserved for the dishonest: Trouble with family. A greedy man brings trouble to his family. Proverbs 15:27 I. Honesty/Integrity 3. God requires complete honesty from leaders. E. Blessings and curses.

(2) Curses reserved for the dishonest: Shorter life. A fortune made by a lying tongue is a fleeting vapor and a deadly snare. Proverbs 21:6 I. Honesty/Integrity 3. God requires complete honesty from leaders. E. Blessings and curses. (2) Curses reserved for the dishonest:

Lack of abundance. Dishonest money dwindles away. Proverbs 13:11 II. Eternity 1. Life on earth is brief. What is your life? You are a mist that appears for a little while and then vanishes. James 4:14 II. Eternity 2. Number your days on earth.

The length of our days is seventy years or eighty, if we have the strength. . . . Teach us to number our days aright, that we may gain a heart of wisdom. Psalm 90:10, 12 II. Eternity 3. Life is short, eternity is long, and what we do during our short life lasts forever. For we will all stand before Gods judgment seat. . . . So then, each of us will give an account of himself to God.

Romans 14:10-12 II. Eternity 3. Life is short, eternity is long, and what we do during our short life lasts forever. Scripture also teaches us that all believers in Christ will gain or lose eternal rewards. Work will be shown for what it is, because the Day will bring it to light . . . the fire will test the quality of each mans work. If what he has built survives, he will receive his

reward. If it is burned up, he will suffer loss. 1 Corinthians 3:13-15 Consequences of Breaking Your Integrity Consequences of Breaking Your Integrity A. I will dishonor the Lord who has saved me, called me and given me His name. Consequences of Breaking Your Integrity A. I will dishonor the Lord who has saved me, called me and given me His name.

B. I will cause pain and shame to my family, losing the respect and trust they have in me. Consequences of Breaking Your Integrity A. I will dishonor the Lord who has saved me, called me and given me His name. B. I will cause pain and shame to my family, losing the respect and trust they have in me. C. My sin will be revealed, and I will be held accountable. Consequences of Breaking Your Integrity A. I will dishonor the Lord who has saved me, called me and

given me His name. B. I will cause pain and shame to my family, losing the respect and trust they have in me. C. My sin will be revealed, and I will be held accountable. D. I will destroy my example and credibility in my family, my church and society. Consequences of Breaking Your Integrity A. I will dishonor the Lord who has saved me, called me and given me His name. B. I will cause pain and shame to my family, losing the respect and trust they have in me.

C. My sin will be revealed, and I will be held accountable. D. I will destroy my example and credibility in my family, my church and society. E. I will put a terrible weight on my shoulders, lose my self-respect, and bring shame and embarrassment to myself. Consequences of Breaking Your Integrity A. I will dishonor the Lord who has saved me, called me and given me His name. B. I will cause pain and shame to my family, losing the respect and trust they have in me. C. My sin will be revealed, and I will be held accountable.

D. I will destroy my example and credibility in my family, my church and society. E. I will put a terrible weight on my shoulders, lose my self-respect, and bring shame and embarrassment to myself. F. I will experience an agony of heart and soul that is a thousand times greater than the momentary advantage or pleasure gained from sin. Consequences of Breaking Your Integrity A. I will dishonor the Lord who has saved me, called me and given me His name. B. I will cause pain and shame to my family, losing the respect

and trust they have in me. C. My sin will be revealed, and I will be held accountable. D. I will destroy my example and credibility in my family, my church and society. E. I will put a terrible weight on my shoulders, lose my self-respect, and bring shame and embarrassment to myself. F. I will experience an agony of heart and soul that is a thousand times greater than the momentary advantage or pleasure gained from sin. G. I will jeopardize the faithful testimony and work of many years of other Christians in my community.

Consequences of Breaking Your Integrity A. I will dishonor the Lord who has saved me, called me and given me His name. B. I will cause pain and shame to my family, losing the respect and trust they have in me. C. My sin will be revealed, and I will be held accountable. D. I will destroy my example and credibility in my family, my church and society. E. I will put a terrible weight on my shoulders, lose my self-respect, and bring shame and embarrassment to myself. F. I will experience an agony of heart and soul that is a thousand times greater than the momentary advantage or

pleasure gained from sin. G. I will jeopardize the faithful testimony and work of many years of other Christians in my community. H. I will give Satan, my enemy and Gods enemy, the greatest joy I could ever give. Survey - 1 year after completing Compass study Amount of debt reduced: $19,500 Amount of savings increased:

$ 7,907 5 Income given before Compass: 2.80% % Income given after Compass: 7.20% increased prayer life after Compass:

71% Increased Bible study after Compass: 56% Increased serving others after Compass: 64% Increase those who have current Will:

22% Compass courses and studies Business By The Book DVD workshop Childrens Resources

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