1. Stewardship Handling God’s Gift of Money

2. Introduction What is a steward? We are stewards over what? How can we be good stewards over God’s gift of money?

3. Consult God’s Word Malachi 3:8 – 10 II Corinthians 9:6 – 8 Proverbs 11:25 Note: Click on the scripture reference to view the text. Use the “Back” link at the bottom of the text to return to this slide.

4. Offerings A way to worship God An expression of love Give willingly and cheerfully

5. Tithes 1 tenth of everything we get There’s a blessing in paying your tithes It’s the minimum requirement –Bishop says we don’t have a choice concerning it – it’s His (the Lord)

6. Money All of it belongs to God Be a good steward in your use of money Respect the smallest sum Don’t spend all the money you have

7. Savings Try to save 5 – 10 % (nickel or dime) of each dollar you get, even gift money Start a savings account at a bank –Safe – insured up to $100,000 –Compound Interest

8. Compound Interest Interest is money a bank pays you in return for leaving your money in the bank Compound interest means the bank will pay you interest and pay you interest on the interest It really adds up!

9. Compound Interest –Example 8% Monthly Savings In 15 YearsIn 20 YearsIn 30 YearsIn 35 Years $10.00 ($120/yr) $3,500$5,900$14,900$22,900 $50.00 ($600/yr) $17,300$29,500$74,500$114,700 $100.00 ($1200/yr) $34,600$58,900$149,000$229,400

10. Spending Have an overall plan –Pay God 1 st ! –Save 10% –Give 10% Buy what you can afford –Keep borrowing to a minimum Keep a Budget

11. Budget Exercise Choose a job from the Jobs Listing sheet Complete the Monthly Income table –Enter the monthly salary of the job you selected in the Expected column on the Job row –Enter your age in the Expected column on the Gift row

12. Budget Exercise (cont’d) Complete the Estimated column in the Monthly Expenses table –Calculate 10% of you monthly salary and enter that amount in the Expected column for the tithes, savings, and offering rows

13. Budget Exercise (cont’d) Optionally, choose a house from the Real Estate Listing and make an entry for the house payment in the Expected column Optionally, pick a car from the Vehicles Listing and make entry for the car payment in the Expected column

14. Budget Exercise (cont’d) Make entries for other things you may want to buy Use the Life Isn’t Fair card to complete the values in the Actual column Compute Difference column amounts for each row in both tables –Expected minus Actual

15. Budget Exercise (cont’d) Compute Total row in Monthly Income table Compute Total row in Monthly Expense table Follow instructions on budget sheet to compute the Total Income and Difference rows

16. Summary God owns everything! –We manage what God has entrusted to us Apply the greatest commandments to our money –Love God with our whole hearts and our neighbors as ourselves You will be blessed abundantly if you handle God’s money faithfully

17. Malachi 3:8 - 10 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. BACK

18. II Corinthians 9:6 - 8 6 But this I say, He which soweth sparingly shall reap also sparingly; and he which soweth bountifully shall reap also bountifully. 7 Every man according as he purposeth in his heart, so let him give; not grudgingly, or of necessity: for God loveth a cheerful giver. 8 And God is able to make all grace abound toward you; that ye, always having all sufficiency in all things, may abound to every good work: BACK BACK

19. Proverbs 11:25 25 The liberal soul shall be made fat: and he that watereth shall be watered also himself. BACK