FINANCIAL STEWARDSHIP
 We are managers of God’s money that He has given us (BIG or small)
GOD CARES HOW WE MANAGE MONEY: MagSAVE / MagBIGAY / MagINVEST
The blessings of the Lord brings wealth, & he adds no trouble to it. – Proverbs 10:22
God owns everything
The earth is Lord’s & everything in it & all who
live in it. – Psalm 24:1
At the end of our life, we can’t take anything
from it.
Naked I came from my mother’s womb, & naked
will I depart.
The Lord gave & the Lord taken away; may the
name of the Lord be praised. – Job 1:21
True godliness with contentment is itself great
wealth. We brought nothing with us when we
came into the world, & we can’t take anything
with us when we leave. – 1 Timothy 6:6-7
For everyone who has will be given more, & he
will have an abundance.
Whoever does not have, even what he has will
be taken away from him. – Mathew 25:29
People who want to get rich fall into temptation For I know the plans I have for you, plans to
& trap into many foolish & harmful desires that prosper & not to harm you, plans to give you
plunge men into ruin & destruction.– 1 Timothy hope & a future. – Jeremiah 29:11
6: 9
Well done, good & faithful servant!
You have been faithful with few things; I will put you in charge of many things.
Come & share your master’s happiness. – Mathew 25:23
MONEY TALKS IN THE BIBLE
Ang mapagkatiwalaan sa maliit na bagay ay
mapagkatiwalaan din sa malaking bagay;
Ang mandaraya sa maliit na bagay ay
mandaraya din sa malaking bagay;
Kaya kung hindi kayo mapagkatiwalaan sa
mga kayamanan ng sanlibutang ito,
sino ang magtiwala sa inyo sa tunay na
kayamanan?
Kung hindi kayo mapagkatiwalaan sa
kayaman ng iba,
sino ang magbibigay sa inyo ng talagang para
sa inyo?
– Luke 16:10-12
TRUST, SERVE, & OBEY GOD’s WORD must be
our 1st priority & GOD will took care of things.
No one can serve 2 masters: We cannot serve
both God & money.
Either he will hate the one & love the other, or
he will be devoted to the other & despise the
other one.
Therefore, do not worry about your life, what
you will eat or drink, or about your body, or
what you will hear.
Is life more important than food, & the body
more important than clothes?
For the pagans run after all these things, & our
Heavenly Father knows that we need them.
But seek first His kingdom & His righteousness,
& all these things will be given to us as well.
– Mathew 6:24-25,31-33
8 STATEGIES TO MULTIPY OUR MONEY
1. MAG-IPON
2. MAG-BIGAY
3. MAG-PIGIL SA UTANG
4. MAG-SIMPLE MAMUHAY
5.
6.
7.
8.
MAG-NEGOSYO
MAG-INVEST
MAG-ARAL
MAG-PATULOY
8 STATEGIES TO MULTIPY OUR MONEY
1. MAG-IPON / SAVE
Develop the HABIT OF SAVING
For us to acquire our first 1 MILLION,
we must first save small pesos.
Be super aggressive & disciplined in saving
your money.
(Disiplina at pagtitiis ang kelangan)
Monitor daily your income & expenses.
Be conscious in your spending /
cut down your expenses.
Think other ways to increase your income.
The Automatic Millionaire System
Automatic saving portion of salary or income.
(50% salary deduction goes to savings monthly)
Save automatically for a long period of time.
(Time Deposit Letter for BPI)
Don’t cash out money even if its tempting
until you will reach your 1st 1 MILLION!
(Someday you will become a milonaire
because of compounding interest – the most
powerful force in the universe)
List of local banks to give higher interest:
www.pinoymoneytalk.com
Subscribe to MoneySense Magazine
The Amazing Savings
Ang tao na ipon ng ipon, pera nya’y hindi lilipad na parang ibon.
Tingnan mo yaong langgam, ikaw taong ubod ng tamad, pamumuhay nya’y masdan mo
at ng ikaw ay mamulat.
Kahit walang punong sa kanila’y naguutos, walang tagapamahala o tagamasid na
sinusunod, ngunit nagiimbak ng pagkain sa tag-araw, kailangay iniipon kung panahon ng
anihan. – Kawikaan 6:6-8
PAY YOURSELF FIRST
Habitually pay yourself first so
that you will soon have excess
funds.
The purpose of saving money is
not to accumulate it but to be
generous & to support
ourselves & our family &
extended family who needs
help.
20-20 SAVINGS
RETIREMENT FORMULA
Save 20% of your income
20 years before you retire.
Our savings will be our source
of income when we reach our
old age.
YOUR FINANCES IN
CHANGING TIMES
There is only one reason that
God supplies a surplus of
wealth to a Christian – so that
he will have enough to provide
for the needs of others.
True wealth comes with the
gift of giving, God promises His
Good people leave an
inheritance to their grand
children, but the sinner’s
wealth passes to the godly. –
Proverbs 13:22
Para hindi tayo maging pabigat
sa ating mga anak o kamaganak natin.
Do not store up yourselves
treasures on earth, where moth
What do you benefit if you gain & rust destroy & thieves break
the whole world but lose your
in & steal.
own soul? – Mark 8:36
But store up yourselves
treasures in heaven that moth
or rust will not destroy &
thieves will not break in &
steal.
For where your treasure is,
there your heart will be also.
– Mathew 6:19-21
blessings to all who freely give
& promises His curse to those
who hoard, steal, covet, &
idolize.
When you’re harvesting your
crops & forget to bring in a
bundle of grain from your field,
don’t go back to get it. Leave it
for the foreigners, orphans, &
widows. Then the Lord your
God will bless you in all you do.
- Deuteronomy 24:19
2. MAG-BIGAY / GIVE
Honor the Lord & give back with a joyful heart.
- Giving back to God & honoring Him is a hard thing to do if you don’t believe God’s
promises in the Bible.
BLESSINGS OF TITHING & OFFERINGS
- Pay the Lord your God first before we pay yourself by giving Him a portion of first
fruits of our earnings.
- Tithing is the voluntary giving of 10% of your income to God.
- Giving to the Lord is a matter of faith.
- He doesn’t need our money. God wants to see if we believe in Him & His promises.
Bring to the storehouse a full
Magbigay kayo at kayo’y
Give generously to Him & do so
tenth of what you earn so there bibigyan. Hustong takal, siksik, without a grudging heart; then
will be food in my house. Test
liglig, at umaapaw ang ibibigay because of this the Lord your
me in this, says the Lord All
sa inyo. Sapagkat ang panukat God will bless you in all your
Powerful, then I will open the
na ginamit sa iba ay siya ring
work & in everything you put in
windows of heaven for you &
panukat na gagamitin sa inyo. your hand. - Deuteronomy
pour out all the blessings you
– Luke 6:38
15:10
NEED. – Malachi 3:10
You give because not you are expecting a reward or bigger return on your investment.
- When you reach this point, you will find yourself just giving & even forgetting about
what you gave.
- The Lord blesses that decision with more money so that you can bless more people
frequently.
“Whoever sows sparingly, will also reap
sparingly, & whoever sows generously will also
“ Ang nagtatanim ng kaunti ay aani ng kaunti at
ang nagtatanim ng marami ay aani ng marami.
reap generously.
Ang bawat isa ay dapat magbigay ayon sa
sariling pasya, maluwag sa loob at hindi na
Each man should give what he has decided in his pipilitan, sapagkat iniibig ng Diyos ang kusang
heart to give, not reluctantly or under
nagbibigay nang may kagalakan.
compulsion, for God loves a cheerful giver.
Pasasaganain nya kayo sa lahat ng bagay para
lalo kayong makatulong sa marami.
You will be made rich in every way so that so
Sa gayo’y dadami ang magpapasalamat sa
that you can be generous on every occasions. & Diyos dahil sa inyong tulong na dadalhin.”
through us your generosity will result in
– 2 Corinthians 9:6-7
thanksgiving to God.”
– 2 Corinthians 9:6-7
Once you accept Christ, become a Christian, start giving to the church, you will be
PROSPEROUS!
- The reward you grow to value will be the JOY of GIVING itself.
- You give out gratefulness to the Lord.
- You give because you love God.
Why does God provide an
accumulation of wealth?
So His people can exercise the
spiritual gift of giving.
When you start tithing, you will
discover the joy of giving.
He who his kind to the poor
lends to the Lord, & He will
reward him for what he has
done. – Proverbs 19:17
Giving is also a sign that God’s
love is in you.
When you give, your heart will
become a generous heart.
If anyone has material
possessions & sees his brother
in need but has no pity on him,
how can the love of God be in
him? – 1 John 3:17
Give to the Lord, give & help
the poor.
Be generous to your family,
relatives, & to the poor.
Giving opens your heart.
A generous man will prosper;
he who refreshes others will
himself be refreshed. –
Proverbs 11:25
3. MAG-PIGIL SA UTANG/
GET OUT OF DEBT & STOP BORROWING
Cut your plastics / CREDIT
CARDS
Throw away your credit cards if
can’t control your spending
habits.
Get a credit card ONLY if you
pay the whole amount every
month.
Napakahirap mabaon sa
UTANG!
“The rich rules over the poor &
the borrower become’s the
lender’s slave” – Proverbs 22:7
Do not get a housing loan if
salary / income is unstable
NEVER get a housing loan or
any loans if your salary or
business is not yet stable.
“Finish your outdoor work &
get your fields ready, after
that, build your house.” –
Proverbs 24:27
Do not cosign loans
Huwag managot sa utang ng
iba.
“Huwag kang mangako para sa
utang ng iba, ni gumarantiya
para sa kanya.
Kapag hindi ka nakabaya, hindi
ba’t kukunin pati ang higaan
mo?
“For the wages of sin is death,
but the Gift of God is eternal
life in Christ Jesus our Lord.” –
Romans 6:23
4. LIVE SIMPLY
American Millionaires live simple lives
Warren Buffet
American Billionaire
($47B / P470,000,000)
Lives in the same
house he bought 50
years ago.
Carlos Slim
Mexican Billionaire
Lives in the same
house he bought 50
years ago.
(Richer than Bill Gates)
Opposite of frugal – GASTADOR!
The Champion Gastador – Mike Tyson
Bankrupt before the age of 40.
“There is always the temptation to spend more
than you earn.”
Huwag magpadala sa peer pressure/ Huwag
maiingit sa kaibigan o kapitbahay na may
bagong bahay, kotse, o gamit.
“Keep your lives free from the love of money &
be content with what you have because God
said, “Never will I leave you, never will I forsake
you.” – Hebrews 13:5
Blessed others while you are blessed
Forget about impressing other people with
brand new things.
Go for the almost new & save a lot of money.
Give extra money to missionaries & foundation
(the main purpose of excess money)
Si Ingvar Kamprade
Founder & owner of
the Swedish furniture
company-IKEA
Still rides the bus &
ride economy class
Henry Sy
Founder of SM
Richest man in the
Philippines
Namamalengke at
tumatawad parin sa
mga suki.
Being CONTENTED: Ang Tunay na Kayamanan
“Ang mga totoong mga mayaman ay hindi mga
pasikat!”
Never be GREEDY when you earn more
Whoever loves money never has money enough;
whoever loves wealth is never satisfied with his
income & this is too MEANINGLESS.
Invest your money only on something that appreciates its value
- Huwag bilhin kapag masyadong mahal.
- Huwag bumili ng mga magarang mga bagay.
- Buy only 2nd hand cars (cars depreciate value)
- Buy lot / real estate (appreciate value)
It is much easier to save
money if you live a simpler
life.
When you start earning, let
your not your possessions
posses you.
Separate your emotions from
your spending
Huwag magdecide sa mga
isyung pera kapag emotional,
pagod, or stressed out.
Keep on living SIMPLY to
control your spending
When you receive more
money, don’t forget / tempted
to increase your spending as
well.
Pray before you pay
When income increases,
What is important is not how
“Please show us a very good
savings must also increase.
much you make but how much deal where we can save
As goods increase, so do those
you save – FRUGALITY /
money.”
who consume them & what
MATIPID
benefit are they to the owner
except to feast the eyes on
them? – Ecclesiastes 5:11
The Millionaire Next Door book: Being frugal is the cornerstone of wealth building.
5. MAG-NEGOSYO / START A BUSINESS
Lahat ng yumayaman ay MASIPAG at POSITIBO
MAGISIP
Most successful people are hard working, has
good positive attitude, & they enjoy what
they’re doing.
Have the habit of always working harder & work
for the extra mile.
King Solomon / Richest King who had ever lived
said:
“Lazy people will soon be poor & hard workers
will get rich.” – Proverbs 10:4
“All hard work brings profit, but mere talk leads
to poverty. – Proverbs 14:23
“Remember the Lord your God, for it is He who
gives you the ability to produce wealth, & so
confirms His covenant.” – Deuteronomy 8:18
Ask & you shall receive. – Mathew 7:7
Maging ENTERPRISING
Go Negosyo Motto by Joey Conception
Entrepreneurship will help Filipinos get out of
poverty.
www.gonegosyo.net
Read Go Negosyo book series
WARNING FOR ALCOHOLICS
Don’t OVER DO WORK
Huwag kang magovertime nang magovertime
Make sure kilala ka pa ng pamilya mo.
“Huwag mo guluhin ang isip mo sa
pagpapayaman;pagaralan mong umiwas doon.
Pagkat madaling mawala ang kayamanan, ito’y
simbilis ng agila sa paglipad sa kalawakan”. –
Kawikaan 23:4-5
Matutong MAGBENTA
DSAP (Direct Selling Association of the
Philippines)
Don’t CHEAT
No short cut to success. Just do the right thing.
Always do excellence on your work & money &
rewards will follow.
You do not have because you do not ask God. –
James 4:2
What you sow, you reap. – Galatians 6:7
Don’t be LAZY
Huwag din namang TAMAD.
Do things the right way & you will be blessed.
Dishonest money dwindles away, but he who
gathers money little by little makes it grow. –
Provebs 13:11
(Mas mabuting piliin ang malinis na pangalan
kaysa ginto ng anumang kayamanan)
“Do not love sleep or you will grow poor; stay
awake & you will have food to spare.” –
Proverbs 20:13
6. MAG-INVEST / INVESTMENT
Before you invest : INVESTIGATE
(PARA HINDI MALOKO SA MGA SCAMS)
If it’s too good to be true, then probably is!
Don’t let greed or desire for fast money cloud
your judgement.
“People who want to get rich fall into
temptation & a trap into many foolish &
harmful desires that plunge men into ruin &
destruction.
For the love of money is a root of all kinds of
evil.
Some people, eager for money, have wandered
from the faith & pierced themselves with many
griefs.’
– 1 Timothy 6:9-10
INVESTMENT SUGGESTION
REAL ESTATE: Target on 2017
Invest in properties where you can RENT to
others.
APARTMENT & FORCLOSED PROPERTIES
Seminar: THINKRICHPINOYMANILA.BLOG
SPOT.COM
MUTUAL FUNDS: Target on 2016
SUNLIFE INSURANCE
AYALA LIFE
INSURANCE
Tips to get more knowledge on Smart Investing:
PINOYMONEYTALK.COM
RANDELLTIONGSON.COM
MONEYSENSEMAGAZINE.COM
RFPI: REGISTERED FINANCIAL PLANNERS
INSTITUTE
STOCK MARKET: Target on 2015
BLUE CHIPS STOCKS:
Ayala Corporation San Miguel Corporation
Jollibee
Mc Donalds
Online Stock Market Brokerage Firms: CITISEC
www.citiseconline.com.ph
Offer free seminars on how to invest in the
stock market.
SMALL BUSINESS, FRANCHISE, or DIRECT
SELLING DISTRIBUTORSHIP: Target on 2014
“How to make extra money with ZERO
CAPITAL?”
blog ( markso.wordpress.com )
“How to start a business with ZERO CAPITAL?”
CCT – Center for Community Transformation
CEVI – World Vision’s Community Economic
Ventures, Inc.
Colayco Foundation’s One Wealthy Nation –
www.onewealthynation.com
7.
EDUCATE YOURSELF
Develop first your INTELLIGENCE & WISDOM
- Invest in increasing your intellectual capital (TALINO)
- Keep on reading good educational materials para lumawak ang kaalaman mo.
Kahit malugi ang ibang business o investment mo, kapag maginvest ka sa iyong utak,
walang lugi dito.
Hindi mawalan ng opportunity ang wais na tao.
1ST Investment: INTELLECTUAL PROPERTY
* For Richer & For Poorer – Rich people educate themselves more than they entertain
themselves.
PRAY TO GOD FOR WISDOM & KNOWLEDGE
King Solomon’s prayer request to God:
“God, give me the wisdom & knowledge to lead my people properly.”
God provided wisdom, knowledge, wealth, riches, & fame.
“If any of you lacks wisdom, he should ask
GOD, who gives generously to all without
finding fault, & it will be given to him.” –
James 1:5
“Trust in the Lord with all your heart & lean
not on your own understanding & in all your
ways acknowledge Him & He shall direct
your paths straight.” – Proverbs 3:5-6
8.
CONSISTENCY
The hardest thing to do is getting started
MoneySense Magazine:
“90% of Filipinos ay may mga utang at mamamatay na bitin ang pera.” – Officer of
Bank of Philippine Island
Don’t join the majority of Filipinos who are broke or will die broke.
CONTENTMENT IS OUR RELATIONSHIP WITH
JESUS CHRIST
“I know what it is to be in need, & I know what it
is to have plenty.
I have learned the secret of being in any & every
situation, whether well fed or hungry,
Whether living in plenty or in want, my God will
meet all my needs according to His riches in
glory in Christ Jesus. – Philippians 4:19
I can do everything on Him who gives me
strength. – Philippians 4: 12-13
Unlike money & wealth which does not come
for free & which you have to work for, God’s
plan for man’s SALVATION is FREE.
God treats everyone alike
He accepts people only because they have faith
in Jesus Christ.
”All of us have sinned & fallen short of God’s
glory, but God treats us better than we deserve,
& because of Christ Jesus, He freely accepts us &
sets us free from sins. – Romans 3:22-24
“If you confess with your mouth that Jesus is Lord & believe in your heart that God raised Him from
the dead, you will be saved. For it is by believing in your heart that you are made right with God, &
it is by your confessing with your mouth that you are saved. – Romans 10:9-10
Prayer to Jesus:
I accept you in my life as my Lord & my Savior.
I know that all the material possessions that I have in my life do not compare to being with You
in heaven at the end of my life. Thank you.