•
•
•
•
•
•
•
Time
Environment
Relationships
Opportunities
Education
Employment
Money
“Money will
make you
more of what
you already
are.”
•
•
•
•
•
Get out of Debt
Act your Wage
Write a Game Plan (Budget)
Learn to Save and Invest
Give like never before
- Dave Ramsey (principles of Stewardship)
Stewardship is about establishing a
discipline.
Spiritual Disciplines are the means by
which we align ourselves with God’s
desires.
Effective stewardship requires the
establishing of a discipline:
money, environment, education, time,
etc.
The Bible informs us really clearly that a
key area of stewardship is how we use our
money.
“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.
Mt 6:24
God has given us a mechanism to develop
this spiritual discipline: Tithing
“ ‘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.
Lev 27:30
The tithe is 10% of one’s income/stuff
Mal 3:10
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.
Tithing our money is a heart issue!
Mt 6:21
For where your treasure is,
there your heart will be also.
It is an indicator of your spiritual
temperature.
Lk 21:1
As he looked up, Jesus saw the rich
putting their gifts into the temple treasury. 2 He
also saw a poor widow put in two very small
copper coins. 3 “I tell you the truth,” he said,
“this poor widow has put in more than all the
others. 4 All these people gave their gifts out of
their wealth; but she out of her poverty put in all
she had to live on.”
Equal Sacrifice not equal contribution.
Tithing is where the conversation
begins... as everything belongs to
God.
God wants your trust, he doesn’t
need your money.
Tithing:
What does it practically look like?
Sally
Living Arrangements: At home
Uni: full time
Employment: Casual job at Grill’d - Some weeks she gets
6 hours, some weeks 30 ($17/hr)
Other Costs: Petrol, board/rent, going out, entertainment,
saving for travel
How much to tithe?
An easier option maybe to
calculate that week’s,
fortnight’s or month’s
wages and pay 10% from
that.
Work out average hours per week.
10 weeks @ 30 hours (ave) = $5,100
42 weeks @ 8 hours (ave) = $5,712
Total is $10,812. Divide by 52 weeks and take 10%
= $20.80/week
Nate
Living Arrangements: At home
Uni: none
Employment: none
Income: Youth Allowanace
Other Costs: Going out, Entertainment
How much to tithe?
Calculate 10% of the Allowance
($230/fortnight) = $11.50/week
If Nate gets a casual job, this will
affect how much youth allowance
he receives. He then will need to
calculate his total weekly,
fortnightly or monthly income and
calculate 10% from this.
Sam
Living Arrangements: House Sharing
Uni: Part Time
Employment: Part Time as manager in local supermarket
Income: 20 hours/week @ $27/hour
Other Costs: Rent, Car repayment, Utilities
Petrol, Going Out, Entertainment, Saving For Travel
How much to tithe?
Weekly payment is $540/week
Calculate 10% of that
The tithe is $54.00/week
If Sam has someone move in to
the house to help with the rent,
she will then have more money to
enjoy life with 
Jasmine and Josh
Living Arrangements: Newly Married (2 incomes)
Employment: Jasmine - full time teacher,
Josh – casual @ Harvey Normans
Income: Jasmine $42,000/year
Josh ($22/hr; 12 – 25 hours a week)
Other Costs: Mortgage, Utilities, Car Repayment, pet
lizard (Frankie)
If Josh works weekends or nights that
How much to tithe?
increase his casual rate then he will need to
factor that into the calculation.
Calculate 10% of Jasmine’s income: $80/week
Calculate an average for Josh’s income:
18hrs/wk @ $22/hr = $20,500 per year = $40/week
Total tithe $120/week
Legalism
First Fruits (29 occurrences)
Pr 3:9
Honour the LORD with your wealth, with
the firstfruits of all your crops;
The Over and Above
Direct Debit:
Newlife Uniting Church/ Robina
BSB: 084-899
A/C: 04-838-2298