Bible Finance

Manage Your Money God's Way

Debt Principle – God Blesses Obedience

God promised his people, that if they fully obeyed him, then He would bless them so that they would be lenders and not borrowers. 
“If you fully obey the LORD your God and carefully follow all his commands I give you today…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, 12]

On the other hand, if God’s people did not obey Him, then they would be borrowers.
However, if you do not obey the LORD your God and do not carefully follow all his commands and decrees I am giving you today, all these curses will come upon you and overtake you….the alien who lives among you will rise above you higher and higher, but you will sink lower and lower.  He will lend to you, but you will not lend to him.” (Deuteronomy 28:1, 12,  & 43, 44 emphasis added).

Unfortunately today, most Christians violate God’s financial principles and as a result, accumulate debt. Sometimes it is an ungodly attitude such as envy, lack of contentment, greed  or selfishness that causes them to spend more than the income that God has entrusted to them.  Or, they “live paycheque to paycheque” [Proverbs 21:20] with no budget [Luke 14:28-30], and make financial decisions based upon their “gut feel” or personal desires, without asking for God’s wisdom [James 1:5] and God’s specific direction [Psalms 32:8].

Please remember, God has promised to meet our needs [Matthew 6:28-33], but not necessarily our wants and desires.  If you want to be obedient to God, there is no substitute for being content with God’s provision. “Keep your lives free from the love of money and be content with what you have, because God has said, “Never will I leave you; never will I forsake you.” (Heb 13:5)

All of us, like the apostle Paul, must learn to be content with God’s provision and the only way to accomplish this, is to have a close personal relationship with Jesus Christ.

“I am not saying this because I am in need, for 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.” (Phil 4:11-13)

In summary, God always blesses obedience when we utilize the money that He has entrusted to us [Matthew 25:14-30] according to His principles and His Will.  To ensure that you are using God’s money God’s way, it is absolutely necessary that you regularly spend quality time studying what God’s Word says on finances.  With 2350 references in the Bible to money and material things, there is “lots to learn”. 

In this regard, I would encourage you to obtain some of the excellent materials from Crown Financial Ministries Canada – In addition, if you would like a copy of my workbook called “Debt Reduction God’s Way”, then send an e-mail to me [] and I will e-mail it to you at no charge.


June 12, 2009 Posted by | Debt Principle | , , , , , , | Leave a comment

Debt Principle – God Promised to Meet Our Needs

Perhaps God’s greatest “financial promise” to believers, is that He will meet our needs, as we put Him first.  Jesus said:
“So do not worry, saying, `What shall we eat?’ or `What shall we drink?’ or `What shall we wear?’  For the pagans run after all these things, and your heavenly Father knows that you need them.  But seek first his kingdom and his righteousness, and all these things will be given to you as well”  [Matthew 6:31-33 emphasis added].

God has promised to meet our needs and God does not need the bank, credit cards or a personal line of credit, in order to accomplish this.  The apostle Paul confirmed this: “And my God will meet all your needs according to his glorious riches in Christ Jesus” [Philippians 4:19].

Nowhere in the Bible did God ever direct anyone to borrow money in order for God to meet their needs.  Because God is all-powerful, all-knowing, and present everywhere, when God decides to provide, He does so utilizing His own resources. King David testified: “I was young and now I am old, yet I have never seen the righteous forsaken or their children begging bread” (Ps 37:25).

There are many examples of God’s miraculous provision in the Bible. Here are a few:

1.    God provided the Israelites with manna for 40 years in the desert  [Exodus 16:35].
2.    Jesus fed 4000 families with seven loaves and a few fish [Matthew 5:35-38].
3.    God provided for Elijah’s needs via the ravens during a severe drought [1 Kings 17:2-6].
4.    Working through Elijah, God provided for the needs of a widow and her son [1 Kings 17:13-16].
5.    God provided for the Israelites by making Joseph the PM of Egypt [Genesis 41:41 & 45:7].
6.    On many occasions, Christ met needs by healing the sick [e.g. Matthew 4:24, 8:16].
7.    God created oil by filling many jars so a widow could pay her debts (2 Kings 4:1-7).

In light of the above, is it not reasonable to trust God [not a lender], to meet our needs?  Of course it is!  Since 1982, I have had the privilege of counselling well over 1,000 people who had a lot of debt -in many cases more than they could personally pay back.  However, when they started to manage money God’s way, God would bless them for their obedience via “mini miracles” of provision and unique wisdom.  Obedience always brings blessing [Deut 28:1-14].

God has promised to meet our needs, but not necessarily our wants and desires.  Often, what we believe to be needs are really wants and desires.  For example, an individual earning $40,000 per year is in the top 5% of all income earners in the world!  We are very wealthy but we don’t realize it.  And so often, we believe that our needs are not being met when in fact they are.  In Matthew 6:31-33, cited above, Jesus said that needs included food, drink and clothing.  Similarly, in 1 Timothy 6:6-8 Paul said:

“But godliness with contentment is great gain.  For we brought nothing into the world, and we can take nothing out of it, but if we have food and clothing, we will be content with that.”

In summary, God does not need a lender of any kind, in order to accomplish His Will [Isaiah 46:9-11]. He is the King of Kings and Lord of Lords [Rev 19:16]. Unfortunately, Christians often borrow money without: (1) consulting God [1 Kings 22:5] or (2) asking God to provide [Matthew 7:7, 8 & John 15:7] and (3) waiting for His provision [Psalms 37:7]. God admonishes us, not to worry, but rather put Him first and He will meet our needs [Luke 12:27-31].

June 5, 2009 Posted by | Debt Principle | , , , , , | Leave a comment