New Destiny Praise and Worship Center
Lesson 2 – MANAGING OUR FINANCES – God’s Way
October 9, 2021

Lesson 2 – MANAGING OUR FINANCES – God’s Way

October 9, 2021

Elder Avon Randle
Lesson 2 – Plan Your Spending

“Good planning and hard work lead to prosperity,
but hasty shortcuts lead to poverty.” ~ Proverbs 21:5 (NLT)

“Financial fitness is not a pipe dream or a state of mind
it’s a reality if you are willing to pursue it and embrace it.” ~ Will Robinson

Allocating limited financial resources to unlimited spending alternatives.


Four Biblical Principles of Money Management

1. Spend less than you .

“Dishonest money dwindles away, but whoever gathers money little by little makes it grow.” ~ Proverbs 13:11 (NIV)

“The wise man saves for the future, but the foolish man spends whatever he gets.” ~ Proverbs 21:20 (LB)

2. Avoid the use of .

“The rich rule over the poor, and the borrower is slave to the lender.” ~ Proverbs 22:7 (NIV)

3. Build an fund.

Go to the ant, you sluggard! Consider her ways and be wise, 7 Which, having no captain, Overseer or ruler, 8 Provides her supplies in the summer, And gathers her food in the harvest.” ~ Proverbs 6:6-8 (NKJV)

4. Set goals.

”I press on toward the goal for the prize of the upward call of God in Christ Jesus.” ~ Philippians 3:14 (NASB)

Setting Priorities

The World’s Priorities

1. Lifestyle 
2. Taxes 
3. Debt Repayment 
4. Saving and Investing 
5. Giving 

Result: Overspending

God’s Priorities

1. Giving – PRODUCTIVE

2. Saving and Investing

3. Debt Repayment – OBLIGATIONS

4. Taxes

5. Lifestyle – FAITH LIVING

 Result: Contentment

God’s Priorities

1. Giving

“Remember this: Whoever sows sparingly will also reap sparingly, and whoever sows generously will also reap generously”. ~ 2 Corinthians 9:6 (NIV)

“On the first day of every week, each one of you should set aside a sum of money in keeping with your income, saving it up, so that when I come no collections will have to be made.” ~ 1 Corinthians 16:2 (NIV)

Giving is a .

2. Saving and Investing

A bit over a time frame makes a difference.

3. Debt Repayment

“The wicked borrow and do not repay, but the righteous give generously.” ~ Psalm 37:21 (NIV)

If I borrow money, I am to repay it.

4. Taxes

“Give everyone what you owe him: If you owe taxes, pay taxes . . .” ~ Romans 13:7a (NIV)

. . . “Give to Caesar what is Caesar’s, and to God what is God’s.” ~ Matthew 22:21b (NIV)

5. Lifestyle

a. for my family.

“If anyone does not provide for his relatives, and especially for his immediate family, he has denied the faith and is worse than an unbeliever. ~ 1 Timothy 5:8 (NIV)

b. Have a lifestyle I am with.

“6 But godliness with contentment is great gain. 7 For we brought nothing into the world, and we can take nothing out of it. 8 But if we have food and clothing, we will be content with that.” ~ 1 Timothy 6:6-8 (NIV)

c. what God has given me.

“Command those who are rich in this present world not to be arrogant nor to put their hope in wealth, which is so uncertain, but to put their hope in God, who richly provides us with everything for our enjoyment.” ~ 1 Timothy 6:17(NIV)


• There is no such thing as an financial decision.
• The longer the perspective, the better the financial .
• Financial : Giving up today’s desire for future benefits.

Principle: The world says, “Get rich quick.” The Bible says, “Get rich slow.”

“If one of you is planning to build a tower, you sit down first and figure out what it will cost, to see if you have enough money to finish the job.” ~ Luke 14:28 (GNT)

Principle: Take a long-term perspective on all your investment decisions.

“I have seen a sickening tragedy under the sun: people hoard their wealth to their own detriment. 14 Then that wealth is lost in a bad business venture so that when they have children, they are left with nothing.” ~ Ecclesiastes 5:13-14 (CEB)

Principle: The world’s priority: spend and consume first. Biblical priority: save and invest first.

“Go watch the ants, you lazy person. Watch what they do and be wise. 7 Ants have no commander. They have no leader or ruler. 8 But they store up food in the summer. They gather their supplies at harvest.” ~ Proverbs 6:6-8 (ICB)

Principle: The world’s perspective: time is the enemy . . . “I want it now!” Biblical perspective: time is a tool . . . start saving now for the future.

“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)

Five Final Instructions:

1. Pray together for God’s .
2. Look at where you are.
3. your needs and goals.
4. Prepare a plan.
5. Practice keeping good .

Further study—

Four Biblical Principles of Money Management

  • Spend less than you earn.
  • Avoid the use of debt.
  • Build an emergency fund.
  • Set long-term goals.

Which of these principles presents the greatest challenge for you? Why?

What is the first step you can take toward overcoming that challenge? Are you willing to commit to the group that you will take that step before your next meeting? Examples:

  • Spend less: go to fewer movies; eat out less often; make your own coffee, etc.
  • Avoid debt: cut up a credit card; throw away all the credit car offers you get in the mail; don’t spend money that is not in your checking account, etc.
  • Build an emergency fund: decide an amount to set aside each week; open a savings account; set up an automatic deposit into the account, etc.
  • Set long-term goals: get out of debt; save for college; buy a house, etc.
    Take another look at the table contrasting the world’s financial priorities with God’s priorities. How does the world’s thinking lead to overspending?

Putting It Into Practice:

Identifying and writing down your financial goals helps you accomplish what is important to you. Use the Financial Goals worksheets to write down your financial goals. If you are married, you and your spouse should individually write down your financial goals on separate sheets, then compare goals and compile a complete list on the Financial Goals worksheet. Plan to share some of your goals with the group next week. Feedback from others can clarify direction.

A North Dakota man discovered thousands of black walnuts stashed throughout his truck by a squirrel seemingly preparing for the upcoming winter. Bill Fischer returned after 4 days to find 42 gallons of black walnuts (size of lemons) being stored in every corner and crevice of his truck. He reports having to pull the fenders off and clean the walnuts out, thought he had them all and took it down the road, turned the corner and found one rolling inside the windshield where the wipers go.

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