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BIBLICAL
HELPS ON
FINANCIAL
FREEDOM

   As Preached By
   Pastor Ron Millevo
          www.endtimemessage.info
          special thanks to www.ubdavid.org
SCRIPTURE READING
I    TIMOTHY 6:6-12
   6 But godliness with contentment is great gain.
   7 For we brought nothing into this world, and it is certain
    we can carry nothing out.
   8 And having food and raiment let us be therewith
    content.
   9 But they that will be rich fall into temptation and a
    snare, and into many foolish and hurtful lusts, which drown
    men in destruction and perdition.
   10 For the love of money is the root of all evil: which while
    some coveted after, they have erred from the faith, and
    pierced themselves through with many sorrows.
   11 But thou, O man of God, flee these things; and follow
    after righteousness, godliness, faith, love, patience,
    meekness.
   12 Fight the good fight of faith, lay hold on eternal life,
    whereunto thou art also called, and hast professed a good
    profession before many witnesses.
7 FACTS ABOUT FINANCES
 1. God owns everything
 2. All things come from God
 3. We, and all that we have belong
  to God
 4. Debt is hard for you
 5. Being too ambitious to be rich is
  vanity
 6. Life is Not Measured by Money
 8. Be faithful with both little and
  big
1. GOD OWNS EVERYTHING
 Psalm   24:1 -"The earth is the
  Lord's, and all its fulness, the
  world and those who dwell
  therein."
 Psalm 50:10,12 -"For every beast of
  the forest is Mine, and the cattle on
  a thousand hills... For the world is
  Mine, and all its fulness."
 Haggai 2:8 -“The silver is Mine, and
  the gold is Mine,' says the Lord of
  hosts."
2. ALL THINGS COME
     FROM GOD

Deuteronomy   8:18 -"You
shall remember the Lord
your God, for it is He
who gives you power to
get wealth...”
3. WE, AND ALL THAT WE
HAVE BELONG TO GOD

 Psalm 100:3 -"It is He who has made us,
 and not we ourselves; we are His
 people, and the sheep of His pasture.“

1 Corinthians 6:19-20 -"What? do you
 not know that...you are not your own?
 For you were bought at a price;
 therefore glorify God in your body and
 in your spirit, which are God's."
4. DEBT IS HARD FOR YOU
God  does not want His people
to be in debt. The Bible says,
"Owe no man anything, but to
love one another...." (Romans
13:8)

Any time we go into debt, we
lose some of our freedom. The
Bible says, "The borrower is
servant to the lender."
(Proverbs 22:7)
5. BEING TOO AMBITIOUS TO
      BE RICH IS VANITY
    "The love of money is the root of all evil,
     for which some have strayed from the faith
     in their greediness, and pierced
     themselves through with many sorrows."
     1 Timothy 6:10 (NKJ)

    "Do not lay up for yourselves treasures on
     earth, where moth and rust destroy and
     where thieves break in and steal; But lay
     up for yourselves treasures in heaven...For
     where your treasure is, there your heart
     will be also."
     Matthew 6:19 & 21 (NKJ)
6. LIFE IS NOT MEASURED
         BY MONEY
 Jesussaid, "...a man's life does not
 consist in the abundance of the
 things which he possesses." Luke
 12:15

 Making   money is not the purpose
 of life. The world measures success
 by how much money or possessions
 a man has, but this is not the true
 measure of success. It is his
 character.
7. DO NOT MAKE MONEY
        YOUR “GOD”
 "Butthose who desire to be rich fall into
 temptation and a snare, and into many
 foolish and harmful lusts which drown
 men in destruction and perdition." 1
 Timothy 6:9 (NKJ)

 "Noservant can serve two masters: for
 either he will hate the one, and love the
 other; or else he will hold to the one, and
 despise the other. You cannot serve God
 and mammon (money)." Luke 16:13
8. BE FAITHFUL WITH
 BOTH LITTLE AND BIG
Ifwe are wise in handling
 small amounts of money,
 God will entrust us with
 more.
(See Matthew 25:14-30 – “The
 Parable of the Talents”)
8 PRACTICAL WAYS OF HANDLING
            MONEY WISELY

 1.Have  a budget
 2. Set aside money for emergencies

 3.Avoid over-extended credit buying

 4. Distinguish between “needs” and
  "wants.“
 5. Do not make a purchase under the
  pressure of sales talk
 6.Pay bills on time

 7. Live on what God provides

 8. Special warning: Do not co-sign notes
8 PRACTICAL WAYS OF HANDLING
MONEY WISELY


1.Have a budget
 Getting free financially requires right
  attitudes and right actions
 Many people are careless with their
  money. They spend it all and say, “My,
  my, where did it all go?"
 The way to avoid this is to have a budget
  and keep a record of all expenses.
8 PRACTICAL WAYS OF HANDLING
MONEY WISELY


2. Set aside money
 for emergencies
   In every family there are always those times
    when things go wrong and emergencies
    occur. Perhaps it is an unexpected car expense
    or medical bill. By regularly putting something
    aside for emergencies, these unexpected bills can
    be met without wrecking your budget or
    borrowing money from others.
8 PRACTICAL WAYS OF HANDLING
MONEY WISELY


3.Avoid over-
 extended credit
 buying
 We must not abuse the "Buy now-pay
 later" philosophy of the world. When
 credit is too easily obtained, it is easy to
 incur so many debts that payments will be
 very hard to make.
8 PRACTICAL WAYS OF HANDLING
MONEY WISELY

4. Distinguish between
 “needs” and "wants."
 God   has promised to meet all our
  needs, but He has not promised to
  meet all our "wants." We must
  distinguish between the two.
 We should buy things for their
  usefulness, not for their "status,"
  or just because we want them.
8 PRACTICAL WAYS OF HANDLING
MONEY WISELY


5. Do not make a
 purchase under the
 pressure of sales talk
   When the salesman has finished his talk, just say,
    "Thank you. I will let you know my decision within a
    day or so.”
   Often people see something they want and buy it
    before considering whether or not they can afford it.
   Allow time to think about the matter and to make a
    decision away from the pressure of the sales talk.
8 PRACTICAL WAYS OF HANDLING
MONEY WISELY


6.Pay bills on time
 Prompt payment of bills is honorable.
 It gives you a good name and a good credit
  standing.
 It is also a good witness to unsaved people.

 A Christian should handle his finances in a way
  that is honorable to the Lord Jesus. To have
  past-due bills and unpaid debts is a poor
  testimony and dishonoring to the Lord.
8 PRACTICAL WAYS OF HANDLING
MONEY WISELY


7. Live on what God
      provides
 I TIMOTHY 6:6- “ But godliness with
  contentment is great gain.”
 Philippians 4:11-12 -"...I have learned, in
  whatever state I am, to be content. I know
  both how to be abased (to live on almost
  nothing), and I know how to abound (to live
  when I have much)...."
8 PRACTICAL WAYS OF HANDLING
MONEY WISELY

8. SPECIAL WARNING:
 Do not co-sign notes
   "Don't agree to guarantee another person's debt or
    put up security for someone else." Proverbs 22:26
    (NLT)
   Many people have learned through sad experience that
    when they tried to help a friend by co-signing his note, they
    ended up losing both their money and their friend.
   When we co-sign a note with someone, it means that we are
    assuming responsibility for the payment of that debt. If for
    some reason the other person does not pay the debt, then
    we must pay it.
5 STEPS THAT WILL HELP YOU GAIN
FINANCIAL FREEDOM FROM DEBTS

1. List your unpaid bills and
 debts
2. Analyze your current
 budget
3. Present your honest
 payment plan
4. Stick with your plan
5. Be Faithful in Tithing &
 Offerings
5 STEPS THAT WILL HELP YOU GAIN
FINANCIAL FREEDOM FROM DEBTS


1. List your unpaid
 bills and debts.
 For each debt, list the company,
 bank, or person you owe, along
 with the address, the name of the
 person you should contact about the
 debt, and the amount due. Be sure to
 list every debt.
5 STEPS THAT WILL HELP YOU GAIN
FINANCIAL FREEDOM FROM DEBTS


2. Analyze your
 current budget
   List all necessary expenses in order of
    importance.
   List only those things which are actual needs.
    Do not list things which you can do without.
   Determine the amount you have left over after
    necessary expenses. This should be applied to your
    debts on a regular basis.
   Keep in mind this fact: You may have money on
    hand, but if you owe someone else, the amount that
    you owe is not rightfully yours. It belongs to the
    person you owe.
5 STEPS THAT WILL HELP YOU GAIN
FINANCIAL FREEDOM FROM DEBTS


3. Present your honest
 payment plan
 It is important that you keep your word
  and do what you promise to do. If for any
  reason you are unable to make a payment on
  time, be sure to notify the creditor involved.
 Talk personally with each creditor.
  Explain your situation and show him your
  plan. Ask for his agreement with your plan for
  paying the debt you owe him.
5 STEPS THAT WILL HELP YOU GAIN
FINANCIAL FREEDOM FROM DEBTS


4. Stick with
 your plan
   Settle one thing in your mind: Never run away from your
    debts. It is not a disgrace to owe a debt, but it is a disgrace to
    evade an honest obligation. A Christian can never justify his
    failure to honestly face up to his obligations. Running away from
    your debts is not only dishonest, but it will also cause you to lose
    your self-respect and the respect of others as well.
   As you follow your plan, you will begin to pay off your debts.
    Every time a debt is paid in full, mark that debt off your list.
    There is a tremendous value to you in paying off your debts. You
    are obeying God, and God will bless you for it.
5. BE FAITHFUL IN TITHING & OFFERINGS
MALACHI               3:8-11
 8 Will a man rob God? Yet ye have robbed me.
  But ye say, Wherein have we robbed thee? In tithes
  and offerings.
9    Ye are cursed with a curse: for ye have robbed me,
  even this whole nation.
 10   Bring ye all the tithes into the storehouse,
  that there may be meat in mine house, and
  prove me now herewith, saith the LORD of
  hosts, if I will not open you the windows of
  heaven, and pour you out a blessing, that there
  shall not be room enough to receive it.
 11   And I will rebuke the devourer for your sakes,
  and he shall not destroy the fruits of your ground;
  neither shall your vine cast her fruit before the time
  in the field, saith the LORD of hosts.
FINAL ADMONITION
Jesus  Himself gave
 us the way to true
 success.
 It is so simple that we can easily overlook it.
 Here is what the Lord Jesus said-----
 Matthew  6:33 - "Seek first the
 kingdom of God and His
 righteousness, and all these things
 shall be added to you.

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Biblical Financial Management

  • 1. BIBLICAL HELPS ON FINANCIAL FREEDOM As Preached By Pastor Ron Millevo www.endtimemessage.info special thanks to www.ubdavid.org
  • 2. SCRIPTURE READING I TIMOTHY 6:6-12  6 But godliness with contentment is great gain.  7 For we brought nothing into this world, and it is certain we can carry nothing out.  8 And having food and raiment let us be therewith content.  9 But they that will be rich fall into temptation and a snare, and into many foolish and hurtful lusts, which drown men in destruction and perdition.  10 For the love of money is the root of all evil: which while some coveted after, they have erred from the faith, and pierced themselves through with many sorrows.  11 But thou, O man of God, flee these things; and follow after righteousness, godliness, faith, love, patience, meekness.  12 Fight the good fight of faith, lay hold on eternal life, whereunto thou art also called, and hast professed a good profession before many witnesses.
  • 3. 7 FACTS ABOUT FINANCES  1. God owns everything  2. All things come from God  3. We, and all that we have belong to God  4. Debt is hard for you  5. Being too ambitious to be rich is vanity  6. Life is Not Measured by Money  8. Be faithful with both little and big
  • 4. 1. GOD OWNS EVERYTHING  Psalm 24:1 -"The earth is the Lord's, and all its fulness, the world and those who dwell therein."  Psalm 50:10,12 -"For every beast of the forest is Mine, and the cattle on a thousand hills... For the world is Mine, and all its fulness."  Haggai 2:8 -“The silver is Mine, and the gold is Mine,' says the Lord of hosts."
  • 5. 2. ALL THINGS COME FROM GOD Deuteronomy 8:18 -"You shall remember the Lord your God, for it is He who gives you power to get wealth...”
  • 6. 3. WE, AND ALL THAT WE HAVE BELONG TO GOD  Psalm 100:3 -"It is He who has made us, and not we ourselves; we are His people, and the sheep of His pasture.“ 1 Corinthians 6:19-20 -"What? do you not know that...you are not your own? For you were bought at a price; therefore glorify God in your body and in your spirit, which are God's."
  • 7. 4. DEBT IS HARD FOR YOU God does not want His people to be in debt. The Bible says, "Owe no man anything, but to love one another...." (Romans 13:8) Any time we go into debt, we lose some of our freedom. The Bible says, "The borrower is servant to the lender." (Proverbs 22:7)
  • 8. 5. BEING TOO AMBITIOUS TO BE RICH IS VANITY  "The love of money is the root of all evil, for which some have strayed from the faith in their greediness, and pierced themselves through with many sorrows." 1 Timothy 6:10 (NKJ)  "Do not lay up for yourselves treasures on earth, where moth and rust destroy and where thieves break in and steal; But lay up for yourselves treasures in heaven...For where your treasure is, there your heart will be also." Matthew 6:19 & 21 (NKJ)
  • 9. 6. LIFE IS NOT MEASURED BY MONEY  Jesussaid, "...a man's life does not consist in the abundance of the things which he possesses." Luke 12:15  Making money is not the purpose of life. The world measures success by how much money or possessions a man has, but this is not the true measure of success. It is his character.
  • 10. 7. DO NOT MAKE MONEY YOUR “GOD”  "Butthose who desire to be rich fall into temptation and a snare, and into many foolish and harmful lusts which drown men in destruction and perdition." 1 Timothy 6:9 (NKJ)  "Noservant can serve two masters: for either he will hate the one, and love the other; or else he will hold to the one, and despise the other. You cannot serve God and mammon (money)." Luke 16:13
  • 11. 8. BE FAITHFUL WITH BOTH LITTLE AND BIG Ifwe are wise in handling small amounts of money, God will entrust us with more. (See Matthew 25:14-30 – “The Parable of the Talents”)
  • 12. 8 PRACTICAL WAYS OF HANDLING MONEY WISELY  1.Have a budget  2. Set aside money for emergencies  3.Avoid over-extended credit buying  4. Distinguish between “needs” and "wants.“  5. Do not make a purchase under the pressure of sales talk  6.Pay bills on time  7. Live on what God provides  8. Special warning: Do not co-sign notes
  • 13. 8 PRACTICAL WAYS OF HANDLING MONEY WISELY 1.Have a budget  Getting free financially requires right attitudes and right actions  Many people are careless with their money. They spend it all and say, “My, my, where did it all go?"  The way to avoid this is to have a budget and keep a record of all expenses.
  • 14. 8 PRACTICAL WAYS OF HANDLING MONEY WISELY 2. Set aside money for emergencies  In every family there are always those times when things go wrong and emergencies occur. Perhaps it is an unexpected car expense or medical bill. By regularly putting something aside for emergencies, these unexpected bills can be met without wrecking your budget or borrowing money from others.
  • 15. 8 PRACTICAL WAYS OF HANDLING MONEY WISELY 3.Avoid over- extended credit buying  We must not abuse the "Buy now-pay later" philosophy of the world. When credit is too easily obtained, it is easy to incur so many debts that payments will be very hard to make.
  • 16. 8 PRACTICAL WAYS OF HANDLING MONEY WISELY 4. Distinguish between “needs” and "wants."  God has promised to meet all our needs, but He has not promised to meet all our "wants." We must distinguish between the two.  We should buy things for their usefulness, not for their "status," or just because we want them.
  • 17. 8 PRACTICAL WAYS OF HANDLING MONEY WISELY 5. Do not make a purchase under the pressure of sales talk  When the salesman has finished his talk, just say, "Thank you. I will let you know my decision within a day or so.”  Often people see something they want and buy it before considering whether or not they can afford it.  Allow time to think about the matter and to make a decision away from the pressure of the sales talk.
  • 18. 8 PRACTICAL WAYS OF HANDLING MONEY WISELY 6.Pay bills on time  Prompt payment of bills is honorable.  It gives you a good name and a good credit standing.  It is also a good witness to unsaved people.  A Christian should handle his finances in a way that is honorable to the Lord Jesus. To have past-due bills and unpaid debts is a poor testimony and dishonoring to the Lord.
  • 19. 8 PRACTICAL WAYS OF HANDLING MONEY WISELY 7. Live on what God provides  I TIMOTHY 6:6- “ But godliness with contentment is great gain.”  Philippians 4:11-12 -"...I have learned, in whatever state I am, to be content. I know both how to be abased (to live on almost nothing), and I know how to abound (to live when I have much)...."
  • 20. 8 PRACTICAL WAYS OF HANDLING MONEY WISELY 8. SPECIAL WARNING: Do not co-sign notes  "Don't agree to guarantee another person's debt or put up security for someone else." Proverbs 22:26 (NLT)  Many people have learned through sad experience that when they tried to help a friend by co-signing his note, they ended up losing both their money and their friend.  When we co-sign a note with someone, it means that we are assuming responsibility for the payment of that debt. If for some reason the other person does not pay the debt, then we must pay it.
  • 21. 5 STEPS THAT WILL HELP YOU GAIN FINANCIAL FREEDOM FROM DEBTS 1. List your unpaid bills and debts 2. Analyze your current budget 3. Present your honest payment plan 4. Stick with your plan 5. Be Faithful in Tithing & Offerings
  • 22. 5 STEPS THAT WILL HELP YOU GAIN FINANCIAL FREEDOM FROM DEBTS 1. List your unpaid bills and debts.  For each debt, list the company, bank, or person you owe, along with the address, the name of the person you should contact about the debt, and the amount due. Be sure to list every debt.
  • 23. 5 STEPS THAT WILL HELP YOU GAIN FINANCIAL FREEDOM FROM DEBTS 2. Analyze your current budget  List all necessary expenses in order of importance.  List only those things which are actual needs. Do not list things which you can do without.  Determine the amount you have left over after necessary expenses. This should be applied to your debts on a regular basis.  Keep in mind this fact: You may have money on hand, but if you owe someone else, the amount that you owe is not rightfully yours. It belongs to the person you owe.
  • 24. 5 STEPS THAT WILL HELP YOU GAIN FINANCIAL FREEDOM FROM DEBTS 3. Present your honest payment plan  It is important that you keep your word and do what you promise to do. If for any reason you are unable to make a payment on time, be sure to notify the creditor involved.  Talk personally with each creditor. Explain your situation and show him your plan. Ask for his agreement with your plan for paying the debt you owe him.
  • 25. 5 STEPS THAT WILL HELP YOU GAIN FINANCIAL FREEDOM FROM DEBTS 4. Stick with your plan  Settle one thing in your mind: Never run away from your debts. It is not a disgrace to owe a debt, but it is a disgrace to evade an honest obligation. A Christian can never justify his failure to honestly face up to his obligations. Running away from your debts is not only dishonest, but it will also cause you to lose your self-respect and the respect of others as well.  As you follow your plan, you will begin to pay off your debts. Every time a debt is paid in full, mark that debt off your list. There is a tremendous value to you in paying off your debts. You are obeying God, and God will bless you for it.
  • 26. 5. BE FAITHFUL IN TITHING & OFFERINGS MALACHI 3:8-11  8 Will a man rob God? Yet ye have robbed me. But ye say, Wherein have we robbed thee? In tithes and offerings. 9 Ye are cursed with a curse: for ye have robbed me, even this whole nation.  10 Bring ye all the tithes into the storehouse, that there may be meat in mine house, and prove me now herewith, saith the LORD of hosts, if I will not open you the windows of heaven, and pour you out a blessing, that there shall not be room enough to receive it.  11 And I will rebuke the devourer for your sakes, and he shall not destroy the fruits of your ground; neither shall your vine cast her fruit before the time in the field, saith the LORD of hosts.
  • 27. FINAL ADMONITION Jesus Himself gave us the way to true success. It is so simple that we can easily overlook it. Here is what the Lord Jesus said-----  Matthew 6:33 - "Seek first the kingdom of God and His righteousness, and all these things shall be added to you.