1. ChristianFinance Gordon Mallory

2. 4 Steps to Christian Money Management Any attempt at money management without good family communication is a waste of time. Set up a 3-month or 6-month plan. Never purchase over $50.00 without talking it over first.

3. 4 Steps to Christian Money Management 1. Determine your goals: First, list what you want for your family. Long-Range Goals: Goals for the Next 5 Years: Goals for This Year:

4. 4 Steps to Christian Money Management 2. Estimate your income: List all regular monies your family expects to receive during the year: salaries, dividends, rents, gifts, bonuses, allowances, and other sources.

5. 4 Steps to Christian Money Management 3. Plan your giving, saving, and spending: 4. Remember that the budget is to serve you: A budget is a tool to help your family achieve your goal in a given time.

6. A Look at Biblical Principles in Personal Finances Accounting: Matthew 18:23-25: "The Kingdom of Heaven can be compared to a king who decided to bring his accounts up to date." Romans 14:12: "Yes, each of us will give an account of himself unto God.

7. A Look at Biblical Principles in Personal Finances Budgeting & Planning: Proverbs 22:3: "A prudent man forsees the difficulties ahead and prepares for them; the simpleton goes blindly on and suffers the consequences."

8. A Look at Biblical Principles in Personal Finances Proverbs 22:3-4: "Any enterprise is built by wise planning, becomes strong through common sense, and profits wonderfully by keeping abreast of the facts." Proverbs 27:12: "A sensible man watches for problems ahead and prepares to meet them. The simpleton never looks, and suffers the consequences."

9. A Look at Biblical Principles in Personal Finances Attitudes & Actions in Our Business Life: Proverbs 13:11: "Wealth from gambling quickly disappears; wealth from hard work grows."

10. A Look at Biblical Principles in Personal Finances Be Honest?? Or Cheat?? Romans 12:17 Luke 16:8-12: "For unless you are honest in small matters, you won't be in large ones. If you cheat even a little, you won't be honest with greater responsibilities."

11. A Look at Biblical Principles in Personal Finances Contentment: Hebrews 13:5 I Timothy 6:6-10 Philippians 4:11-12 II Corinthians 6:10 Luke 3:14

12. A Look at Biblical Principles in Personal Finances Co-Signing Notes: Proverbs 6:1-5 Proverbs 17:18 Proverbs 20:16

13. A Look at Biblical Principles in Personal Finances Debt: Romans 13:8: "Pay all your debts..." Proverbs 22:7: "Just as the rich rule the poor, so the borrower is servant to the lender."

14. A Look at Biblical Principles in Personal Finances Check the Facts: Proverbs 14:8, 15: Proverbs 18:13 Proverbs 24:27 Matthew 6:19-21:

15. A Look at Biblical Principles in Personal Finances Needs: Jeremiah 17:7-10 Luke 6:38 John 10:10 II Corinthians 8:9

16. A Look at Biblical Principles in Personal Finances Prudence (Discretion, Foresight): Proverbs 13:16 Proverbs 16:21 Proverbs 27:12

17. A Look at Biblical Principles in Personal Finances Saving Money: Proverbs 21:5,20 Proverbs 30:24-25 Slothfulness Proverbs 18:9

18. A Look at Biblical Principles in Personal Finances Speculation: Ecclesiastes 5:15-17

19. A Look at Biblical Principles in Personal Finances Tithing & Giving: Deuteronomy 14:33 Malachi 3:10 Proverbs 3:9-10 II Corinthians 9:6-8 Hebrews 7:1-2

20. A Look at Biblical Principles in Personal Finances Waste: Luke 15:13 John 6:12 Genesis 37-41

21. A Look at Biblical Principles in Personal Finances Desire to Serve: Genesis 41- Provision was through a plan Exodus 15- Moses I Kings 17- Elijah

22. A Look at Biblical Principles in Personal Finances II Kings 4 - Elisha John 21:2-6 - Peter Matthew 4:11 - Jesus Luke 12:7 - His People

23. Christian Family Budget 3 fundamental principles: 1. Giving (Luke 6:38) 2. Being Debt Free (Romans 13:8) 3. Saving (Genesis 41:35) Proverbs 22:3

24. 4 Basic Reasons Why Families Experience Financial Difficulty 1. Failure to Give 2. Failure to Provide for Emergencies 3. Failure to Resist Credit Buying 4. Failure to Set Aside Funds for Depreciable Items

25. What Are The Benefits Of A Budget? Train the family in the things of finance -- Stewardship Establish a new dimension of communication in the home. Measure what God is saying in various decision-making situations.

26. Rules of Budgeting: Make a list of all your monthly, quarterly, semi-annual, and annual expenses. Then divide your quarterly, semi-annual, and yearly expenses into monthly amounts. Group similar expenses together and place them in their respective categories.

27. What About Giving? Give tithes and offerings to God. Give to other Christians. Give to the poor. Proverbs 19:17

28. What About Receiving? Labor -- Romans 12 II Corinthians 8:14-15 Receive from an answer to prayer.

29. What About Spending? Build up sales resistance. Get the best buy. Make prompt payments.

30. Key to Godly Success Remember where you came from. Live within your blessing. Share what you have.