Bible on Money.

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
Money is the language of the world. God’s Word is the translation that leads to True Financial Freedom.

Living & Working In Gods Economy! Generosity Acts 20:35 Lordship
Stewardship Mt 25:14-30 Lordship Psalm 24:1 Living & Working In Gods Economy!

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

N W E S My Financial Compass Free to focus on your Life Values!
Achievement vision Free to focus on your Life Values! N You are realising your important long term goals, e.g. Home, business, education, retirement, legacy etc. Focusing on what you find most important in life – your Life Values! Free to reach your goals! W E 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 S Free to invest!

Introduction Why should we talk about money?
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

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.

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

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 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

Financial Problems 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 Spiritual issues

Stewardship responsibility of the church …
Generosity Poor living habits 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 Poverty Church Business bondage Debt Relation- ships

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

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
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

B. God is in control. “The Lord does whatever pleases him, in the heavens and on the earth.” Psalm 135:6

C. God will provide our needs. “My God will meet all your needs according to his glorious riches in Christ Jesus.” Philippians 4:19

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]

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

2. Our responsibilities with money C. We are to be faithful in our theology. 2 Timothy 3:16

POVERTY PROSPERITY STEWARDSHIP Possessions are Evil A right A responsibility I work to Meet only basic needs Become rich Serve Christ Godly people are Poor Wealthy Faithful Ungodly people are 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 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 

“The precious possession of a man is diligence.” Proverbs 12:27, NASB 

“One who is slack in his work is brother to one who destroys.” Proverbs 18:9 

“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.” 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

How to better control expenses Seeking Counsel, Spending
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

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

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

3. Parents. “My son, keep your father’s commands and do not forsake your mother’s teaching” Proverbs 6:20

4. Godly people. (Psalm 1:1-3) Remember, Gods ways are totally different! Isaiah 55:8,9

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

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.

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

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

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. 

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

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

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. 

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

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. Using a plan to control spending is a practical way to control the way that you[r] spend the money wisely. Removed “r” from the slide. Check syllabus.

How to develop a plan Commit Collect Compare Correct Control

1. Commit A one-on-one meeting, 30 days from now… Using a plan to control spending is a practical way to control the way that you[r] spend the money wisely. Removed “r” from the slide. Check syllabus.

2. Collect Using a plan to control spending is a practical way to control the way that you[r] spend the money wisely. Removed “r” from the slide. Check syllabus. Ledger Shoebox

3. Compare INCOME Husband’s take-home pay __________ Wife’s take-home pay + __________ Other Income + __________ Total Net Income = __________ Deduct taxes still owed to the government – __________ Deduct giving to God – __________ Net Spendable Income = __________ EXPENSES Savings __________ Food + __________ Housing + __________ Transportation + __________ + __________ Income – Expenses = __________ Using a plan to control spending is a practical way to control the way that you[r] spend the money wisely. Removed “r” from the slide. Check syllabus.

Needs Variable costs Wants Freedom account Obligat-ions Fixed costs 4. Correct Learning to live in the circle of Gods blessings

5. Control …. Cash for … 1-7 8-15 16-23 24-31 Food (440) 110 Gas (240) 60 Enter (200) 50 Misc. (280) 70 TOTAL 410 Using a plan to control spending is a practical way to control the way that you[r] spend the money wisely. Removed “r” from the slide. Check syllabus.

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 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 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

Antidote? Compass course, of course!
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! 

Antidote? “I can do all things, through Christ …!”
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! 

Antidote? Look to God first!
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

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.

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.

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. 

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.

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.

G. Reduce spending. Some people need to lower their spending to get out of debt.

Paying back a debt – the snowball
I. Debt Paying back a debt – the snowball Payments each month … Creditor Debt Inter- est Min. Inst. month Extra inst. After 3 months After 6 months After 15 months After 22 months After 26 months €150 Postorder € 372 18% €15 €165 Paid Father € 550 €20 €185 Bank (overdraft) €1.980 19% €40 €225 Pers. Loan €2.369 16,9% €50 €275 Car €7.200 6,9% €259 €534 Total €12.471 €384

Seven Prerequisites for Acquiring Debt
I. Debt Seven Prerequisites for Acquiring Debt A. Be committed to pay it back. Romans 13:7 B. Never co-sign. Proverbs 17:18 C. Obey the Principle of Proverbs 22: Guaranteed Commitment.* D. Avoid making present commitment Proverbs 27: based solely in future earnings. E. Never place your family at risk. 1 Timothy 5:8 F. Avoid consumer debt. Romans 13:8 G. Use current account credit wisely. 1 Corinthians 4:2 H. Can I handle it? 1 Corinthians 6:12 I. Do I have peace? Colossians 3:15

Borrowing – the dangers!
I. Debt Borrowing – the dangers! The future is uncertain You cannot rely on it! James 4;13-17 An unnecessary burden Temptation and danger Tim 6:9 Can stop God from working He will provide Heb. 13:5 Reduces availability Need to renounce all Luke 14:33

Which master are you serving?
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

You are “indebted” when …
I. Debt You are “indebted” when … Your saleable assets < borrowings Promises are not kept When it causes anxiety Is 32:17 When a decision is not taken out of faith

Giving to others and saving for the future.
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.

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 

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

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

It is important to give with the proper attitude. Reluctantly = sorrow, grief, or annoyance. Cheerful = joyful, happy, and exuberant.

2. Give to God first. “Honor the Lord with your wealth, with the firstfruits of all your crops.” Proverbs 3:9

3. Amount to give. “Then Abram gave him a tenth of everything” Genesis 14:20 

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. 

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 

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.

4. Blessings of giving. “Remembering the words the Lord Jesus himself said: ‘It is more blessed to give than to receive.’” Acts 20:35

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

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

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

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 

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 

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.’ 

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.” Corinthians 9:6-11

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 

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

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?’ 

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 

5. To whom should we give? B. Give to the poor. “Whoever is kind to the needy honors God.” Proverbs 14:31

II. Saving Scripture encourages saving.
“The wise man saves for the future, but the foolish man spends whatever he gets” Proverbs 21:20, TLB

II. Saving 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, 

“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 

“For where your treasure is, there your heart will be also.” Luke 12:16-21, 34

You do not have to earn a lot of money; rather, save consistently.
II. Saving 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 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 Scripture encourages saving. D. What to save for.

II. Saving Scripture encourages saving. D. What to save for.
Save for unexpected emergencies.

Save for unexpected emergencies. Save for major purchases.

Save for unexpected emergencies. Save for major purchases. Save for longer-term needs.

II. Saving 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. 

(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

(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 Investing hierarchy Level 6 Level 5 Level 4 Level 3
Invest in higher risk ventures New business, venture capital, hard assets Level 5 Investing hierarchy Diversify to meet long term goals Retirement College Business Financial ind. Level 4 Save for major purchases Car Home Furniture Level 3 Create freedom account of 3-6 months living expenses Level 2 Eliminate all high-interest & short-term debt Level 1 Ensure a surplus Economic Conditions Biblical Principles

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

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.

Honesty/Integrity/Eternity
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

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

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

D. Integrity pleases God. “I know, my God, that you test the heart and are pleased with integrity.” Chronicles 29:17

E. Integrity provides security. “The man of integrity walks securely, but he who takes crooked paths will be found out.” Proverbs 10:9

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

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 

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

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

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

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 

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 

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 

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

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 

E. Blessings and curses. (2) Curses reserved for the dishonest: • Trouble with family. “A greedy man brings trouble to his family.” Proverbs 15:27 

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 

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.” Corinthians 3:13-15

Consequences of Breaking Your Integrity

A. I will dishonor the Lord who has saved me, called me and given me His name.

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.

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.

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.

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.

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.

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.

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: % % Income given after Compass: % increased prayer life after Compass: % Increased Bible study after Compass: % Increased serving others after Compass: 64% Increase those who have current Will: %

Compass courses and studies

Business By The Book DVD workshop

Children’s Resources

Bible on Money.

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