1. Christian Couples at Payday

2. Realize money cannot buy happiness Ecclesiastes 5:10 “He who loves silver will not be satisfied with silver; Nor he who loves abundance, with increase. This also is vanity.”

3. Realize money cannot buy happiness Ecclesiastes 5:13 “There is a severe evil which I have seen under the sun: Riches kept for their owner to his hurt.”

4. Realize money cannot buy happiness “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, where neither moth nor rust destroys and where thieves do not break in and steal. For where your treasure is, there your heart will be also” (Matthew 6:19-21).

5. Put money in the proper perspective Proverbs 23:4-5 “Do not overwork to be rich; Because of your own understanding, cease! Will you set your eyes on that which is not? For riches certainly make themselves wings; They fly away like an eagle toward heaven.”

6. Put money in the proper perspective Proverbs 11:4 “Riches do not profit in the day of wrath, But righteousness delivers from death.”

7. Jim Palmer, in “Where’s the ‘Common Cents?’” Think, June, 2007, p. 4. compares money to manna. It was a blessing from God – Exodus 16:4a It was temporarily valuable for meeting a need – Exodus 16:16b It eventually became worthless and hoarding was not tolerated – Exodus 16:20 It had to be managed as a resource – Exodus 16:21-27

8. Put money in the proper perspective 1 Timothy 6:7 “For we brought nothing into this world, and it is certain we can carry nothing out.” 1 Corinthians 4:2 “Moreover it is required in stewards that one be found faithful.”

9. Important facts to remember God is first – Matthew 6:33 “But seek first the kingdom of God and His righteousness, and all these things shall be added to you.” There is value in work –1 Thessalonians 4:11 “…that you also aspire to lead a quiet life, to mind your own business, and to work with your own hands, as we commanded you….” –2 Thessalonians 3:10-11 “For even when we were with you, we commanded you this: If anyone will not work, neither shall he eat. 11 For we hear that there are some who walk among you in a disorderly manner, not working at all, but are busybodies.”

10. Important facts to remember Financial planning is wise –Proverbs 6:6-8 “Go to the ant, you sluggard! Consider her ways and be wise, Which, having no captain, Overseer or ruler, Provides her supplies in the summer, And gathers her food in the harvest.” –Proverbs 21:20 “There is desirable treasure, And oil in the dwelling of the wise, But a foolish man squanders it.”

11. Important facts to remember Debts must be repaid – Romans 13:7-8 “Render therefore to all their due: taxes to whom taxes are due, customs to whom customs, fear to whom fear, honor to whom honor. Owe no one anything except to love one another, for he who loves another has fulfilled the law.

12. Important facts to remember Learn to be content –1 Tim 6:6 “Now godliness with contentment is great gain.” –Hebrews 13:5-6 “Let your conduct be without covetousness; be content with such things as you have. For He Himself has said, ‘I will never leave you nor forsake you.’ So we may boldly say: ‘The LORD is my helper; I will not fear. What can man do to me?’” –Philippians 4:11 “Not that I speak in regard to need, for I have learned in whatever state I am, to be content….” –James 4:1-2 “Where do wars and fights come from among you? Do they not come from your desires for pleasure that war in your members? You lust and do not have. You murder and covet and cannot obtain. You fight and war. Yet you do not have because you do not ask.”

13. Important facts to remember Palmer says, “Einstein called compounding interest the ‘8th wonder of the world.’ $500 per month for 30 yrs. @ 10% is over $1 million!