2. Bag With Holes Consider Your Ways “Ye have sown much, and bring in little; ye eat, but ye have not enough; ye drink, by ye are not filled with drink; ye clothe you, but there is none warm; and he that earneth wages earneth wages to put it into a bag with holes. –Haggai 1:5b,6

3. Bag With Holes The good you do for others - the Lord will do for you! With good will doing service, as to the Lord, and not to men: knowing that whatsoever good thing any man doeth, the same shall he receive of the Lord, whether he be bond or free. –Ephesians 6:7,8

4. Bag With Holes Don’t Keep Secrets from Spouse Don’t conceal debts, purchases Don’t hide a stash of cash Agree on limits spent without Spouse’s knowledge

5. Bag With Holes Share Financial Upbringing Did Parents… Tithe? Save? Borrow? Budget?

6. Bag With Holes Share Feelings you have about money with spouse and children Does money make you feel… Powerful? Accepted? Successful? Happy? Guilty?

7. Bag With Holes Designate a Financial Housekeeper One person responsible to get it done.

8. Bag With Holes Agree on Financial Goals Giving 10% gross Pay off debt Save 5-20% of gross Pay off mortgage Lifestyle…..self-funded ministry...cash car Make a will

9. Scriptural Pattern for the Tithe Honour the Lord with thy substance, and with the firstfruits of all thine increase: So shall thy barns be filled with plenty, and thy presses shall burst out with new wine. Proverbs 3:9,10 firstfruits of all thine increase

10. The Tithe is 10% of our increase The Tithe is 10% of our increase First The question is what is the increase? Because the tax is based on income, is the increase after the tax? Because the tax purchases quality of life, is the tax normal living expense? Merely because our government has legislated itself into first place is not a legitimate reason to place God second.

11. Are taxes a penalty on increase or do they purchase quality of life FDA- new and safe drugs, inspected meat WS- weather service for air travel, etc FAA- certified pilots, inspected planes, etc FTR- drug enforcement EPA- safe drinking water 911 National Defense, Interstate Highways

12. Less than 2% of your gross moves you from net to gross tithe $3,000 gross monthly increase $2,430 net monthly increase $300 gross tithe $243 net tithe $ 57 difference for a gross blessing vs. a net blessing

13. Increase May Not Be Income Increases not included in income: housing, utilities auto health insurance scholarships, grants gifts “bring-home” pay may have loan payments deducted

14. Bag With Holes A budget is a plan, with boundaries, to maximize your resources. No true freedom without limits. Gives you more control over resources. The corrective consequence of running out out of money is more restrictive.

15. Bag With Holes “Be thou diligent to know the state of thy flocks, and look well to thy herds.” –Proverbs 27:23 Know cost of tower –Luke 14:28 Make friends with money –Luke 16:9

16. Bag With Holes Budget Tips Involve whole family Reconstruct spending from last 3-6 months Include recreation and entertainment Enjoy freedom www.cccsatl.org/money.htm

17. Bag With Holes If details too difficult Catagorize: Fixed - House payment Car payment Insurance Cable

18. Bag With Holes Average - Food Child Care Utilities Phone Work expense Giving (5%) Clothes Car Repair Discretionary - Eating Out Entertainment Vacation Credit Cards Gifts Savings - Short Term Long Term Tax Refund Under $500.

19. Bag With Holes Life Insurance Age 40, non-smoker $500,000 term coverage for $390 male, $325 female per yr - guaranteed for 20 years. Compulife Software Inc. www.termforsale.com

20. Bag With Holes Approximate monthly survivors benefits Age Income Your spouse & 2 children $30,000 $1,842 45 $40,000 $2,101 $50,000 $2,303

21. Bag With Holes $300.00 Whole Life - 60.00 Term for husband and wife $240.00 Automatic withdrawal Mutual Fund at 18% 20 years = $327,516

23. Bag With Holes Work is pre-fall (Adam) Let him that stole steal no more: but rather let him labour, working with his hands the thing which is good, that he may have to give to him that needeth. –Ephesians 4:28 God provides work so we can have to give.

24. Bag With Holes Laws of Land Must be Obeyed Power is given to God; ordained of God. If we resist the power; resist ordinance of God. Rulers are not a terror to good works. For he is the minister of God to thee for good. Romans 13:1-4

25. Bag With Holes All Taxes must be Paid! Render unto Caesar what’s Caesar. –Matthew 22:21 Render therefore to all their dues: tribute to whom tribute is due… –Romans 13:7

26. Bag With Holes God does not bless stolen goods “That no man go beyond and defraud his brother in any matter: because that the Lord is the avenger of all such, as we also have forewarned you and testified.” –I Thessalonians 4:6

27. Bag With Holes Absolute Honesty A false balance is abomination to the Lord: but a just weight is his delight. –Proverbs 11:1 …he that sweareth to his own hurt, and changeth not. –Psalms 15:4

28. Bag With Holes Lack May be Result of Dishonesty “That ye may walk honestly toward them that are without, and that ye may lack of nothing.” –I Thessalonians 4:11

29. Bag With Holes It is naught, it is naught, saith the buyer: but when he is gone his way, then he boasteth. –Proverbs 20:14 A good deal is a mutually good transaction. God does not bless you at someone else’s expense.