Bible on Money
Programme
• Session 1: Vision, Value, & Programs
• Session 2: God’s & 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.
God’s Word is the translation that leads to
True Financial Freedom.
Lordship
Psalm 24:1
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 God’s
financial principles in every area of their
lives
Our mission
…
Equipping people worldwide to
learn, apply, and teach
God’s 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.
vision
Focusing on what you
find most important in
life – your Life Values!
Free to reach
your goals!
Free to live!
discipline
Creativity
Creating margin: You
can focus on developing
your important
relationships, learning
contentment,
Knowing ‘how much is
enough’ and growing in
generosity
Your finances in order
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.”
Matthew 6:24
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
bondage
RelationDebt
ships
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
• God’s Part and my part!
II. God’s Responsibilities and
Our Responsibilities
1. God’s responsibilities
A. God is the owner of everything.
“The earth is the Lord’s, and everything
in it, the world, and all who live in it.”
Psalm 24:1
II. God’s Responsibilities and
Our Responsibilities
1. God’s responsibilities
B. God is in control.
“The Lord does whatever pleases him, in the
heavens and on the earth.” Psalm 135:6
II. God’s Responsibilities and
Our Responsibilities
1. God’s 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. God’s Responsibilities and
Our Responsibilities
2. Our responsibilities with money
A. We are stewards of God’s possessions.
(A steward is a manager of someone else’s
possessions.)
[Psalm 8:5-8]
II. God’s 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
II. God’s Responsibilities and
Our Responsibilities
2. Our responsibilities with money
C. We are to be faithful in our theology.
2 Timothy 3:16
II. God’s 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. God’s 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. God’s 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. God’s 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. God’s 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. God’s 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. God’s 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

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. God’s 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. God’s 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 father’s commands
and do not forsake your mother’s 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 neighbor’s house.
You shall not covet your neighbor’s 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
God’s mercy, to offer your bodies as living
sacrifices, holy and pleasing to God—this 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
Shoebox
II. Biblical truths to spending
wisely
3.
Compare
INCOME
Husband’s take-home pay
EXPENSES
__________
Savings
__________
Wife’s take-home pay
+ __________
Food
+ __________
Other Income
+ __________
Housing
+ __________
Total Net Income
= __________
Transportation
+ __________
+ __________
Deduct taxes still owed
to the government
– __________
+ __________
Deduct giving to God
– __________
+ __________
Net Spendable Income
= __________
Income – Expenses
= __________
II. Biblical truths to spending
wisely
4.
Correct
Obligations
Fixed costs
Needs
Variable
costs
Wants
Freedom
account
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, it’s 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 . .
all these curses will come upon you. . . .
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
I. Debt
1. What Scripture says about debt
C. In the Old Testament:
(2) Freedom from debt was a reward
for obedience.
“If you fully obey the LORD your God and carefully
follow all his commands I give you today, the LORD your God will set
you high above all the nations on earth. All these blessings will come
upon you and accompany you if you obey the LORD your God: The
LORD will open the heavens, the storehouse of his bounty, to send
rain on your land in season and to bless all the work of your hands.
You will lend to many nations but will borrow from none.”
Deuteronomy 28:1-2, 12
I. Debt
2. Some factors that lead to debt
• Lack of knowledge
Most people have not been trained to
handle money God’s 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 debt—seven 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 debt—seven 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 debt—seven 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 debt—seven 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 debt—seven 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 debt—seven 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 debt—seven 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 debt—seven 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. Be committed to pay it back.
Romans 13:7
B. Never co-sign.
C. Obey the Principle of
Guaranteed Commitment.*
D. Avoid making present commitment
based solely in future earnings.
E. Never place your family at risk.
F. Avoid consumer debt.
G. Use current account credit wisely.
Proverbs 17:18
Proverbs 22:26-27
Proverbs 27:1
1 Timothy 5:8
Romans 13:8
1 Corinthians 4:2
H. Can I handle it?
1 Corinthians 6:12
I. Do I have peace?
Colossians 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 ½ yr
5 yr
16 ½ 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 ½ years
* excl. fiscal effects
€ 289.992 savings
13 ½ 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

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
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 I’ll do.
I will tear down my barns and build larger
ones, and there I will store all my grain and
my goods. And I’ll 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
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 everywhere—savings are put into
risky investments that turn sour, and
soon there is nothing left to pass on to
one’s son.

II. Saving
1. Scripture encourages saving.
E. Investments.
(1) Avoid risky investments.
“The man who speculates is soon back to
where he began—with 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
Eliminate
all highinterest &
shortterm
debt
Create
freedom
account
of 3-6
months
living
expenses
Save for
major
purchase
s
Car
Home
Furniture
Economic Conditions
Biblical Principles
Diversify
to meet
long
term
goals
Retireme
nt
College
Business
Financial
ind.
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, you’ve 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 God’s 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
God’s 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
God’s 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
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 gain—and 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
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 God’s 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 man’s 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 God’s 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
Children’s Resources