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I. What is Financial Stewardship? (Slide 1) 

A. Stewardship = Tithing ? (Slide 2) 

1. Luke 11:42

"What sorrow awaits you Pharisees! For you are careful to titheeven the tiniest income from your herb gardens, but you ignore justice and thelove of God. You should tithe, yes, but do not neglect the more importantthings. (NLT) (Slide 3) 

2. If you answered just 10% of an exam do you think you will pass? (Slide 4) 

B. Stewardship - the careful and responsible management of something

entrusted to one's care (Merriam Webster) (Slide 5) 

1.

God also owns the money we don’t give back to Him. We can’t just spend itwhich way we want. (Slide 6) 

II. So how do we manage the remaining amount after our Tithes? (Slide 7) 

A.

The Example of the Wife of Noble Character (Read Proverbs 31:10-31) (Slide8) 

1.

What do we learn from her? (Slide 9) 

a) 

She works hard. She’s hands on (v.13). Selecting wool and flax and

working with eager hands. She has long working hours, starting very early

while its still dark (v.15). She works energetically with vigor (v.17).

b) She spends wisely. She travels far and wide for select goods (v.14). Sheinvests money by buying a field and planting a vineyard (v.16). She tradesand makes sure that she profits (v.18).

c)  She gives generously to the poor and needy (v.20).

B. Stewardship in Spending (Slide 10) 

1.

The Prayer of Agur (Read Proverbs 30:7-9) (Slide 11) 

a)  Give me neither poverty nor riches, but give me only my daily bread.

b) Why? Too much – we forget God. Too little – we might dishonor God bystealing.

c)  What is the Daily Bread?

(1)  Manna (Read Exodus 16:15-19) - When the Israelites saw it, they said to each

 other, “What is it?” For they did not know what it was. Moses said to them, “It

is the bread   the LORD  has given you to eat. This is what the LORD  has

 commanded: ‘Everyone is to gather as much as they need. Take an omer for

each person you have in your tent.’” The Israelites did as they were told; some

 gathered much, some little. And when they measured it by the omer, the onewho gathered much did not have too much, and the one who gathered little did

 not have too little.  Everyone had gathered just as much as they needed. Then

 Moses said to them, “No one is to keep any of it until morning.”  (Slide 12) 

(2) 

God’s purpose - Deuteronomy 8:3 He humbled   you, causing you to hunger

 and then feeding you with manna, which neither you nor your ancestors had

 known, to teach  you that man does not live on bread   alone but on every word

 that comes from the mouth  of the LORD . (Slide 13) 

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(3)  Jesus reiterates - Matthew 6:11 Give us today our daily bread (Slide 14) 

2.

What does God want us to learn?

a)  We need to have a lifestyle which produces faith and contentment. (Slide15) 

3.

How are we spending in relation to our income? Are we living above, withinor below our means? (Slide 16) 

4. Tips to live within or below your means (Slide 17) 

a)  Doing without (what you don’t need)

b) Using older technology (Iphone 4s, 5s, 6)

c)  Using used (2nd hand)

d) Looking for “Sale”

e)  Reducing entertainment/”fun” things

f)  Buy generic

g)  Practice minimalism (less is more)

h) Combine trips (and errands to save on gas)

i)  Shorter showers (to save on water)

 j)  Accept less convenience (palengke vs. supermarket, home cooked vs fastfood, etc.)

k) Budgeting

l)  Buying in quantity (wholesale)

m) Making instead of buying (e.g. disinfectant spray, toys, body lotion,shampoo, mouthwash, peanut butter, spaghetti sauce, jams, baby food,

potato chips, gifts)

n) Smaller instead of bigger (eg. tv, house, car, etc.)

o)  Value instead of vanity

p) Selling off what I don’t need (Sulit)

q) Don’t use the credit card

5. An exciting and wonderful way to live. To be financially free. Don’t gettrapped with just 2 options: more income or more debt. Don’t get caught into anenslaving lifestyle which you cannot afford. (Slide 18) 

C.

Stewardship in Saving (Slide 19) 

1.

No matter how much money we make we can still be in poverty if we spend itall and cant meet the bills.

2. Proverbs 21:20 "In the house of the wise are stores of choice food and oil, buta foolish man devours all he has.” (Slide 20) 

3.

So when do we save? A wise steward sets aside a portion of their income inanticipation of needs.

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4. Beware of excessive saving or investing. Don’t be selfish and exclude God.Make sure its not part of your paranoia about the future. Saving excessively canindicate a failure to trust God or a goal of lavish living. (Slide 21) 

D.

About Debt (Slide 22) 

1.

Two kinds of debt

a)  Debt on things which appreciate in value (e.g. home mortgage)

b) Debt on things which depreciate in value (e.g. credit card loan)

2. Debt problems result from borrowing more than you can afford.

3. Debt affects our giving. (Slide 23) 

4. How do you know that you’re in too much debt?

a)  Paying for necessities with credit cards

b) Transferring balances with credit cards

c)  You think that because you have a high credit card limit you can afford it

d) You get an uneasy feeling when you do monthly bills

5. Debt is slavery. (Slide 24) 

a)  Proverbs 22:7 The rich rule over the poor, and the borrower is servant tothe lender. (Slide 25) 

6.

Debt is a major source of conflict. (Slide 26) 

a) 

Destroys family relations, marriages, businesses.

7. There is hope. (Slide 27) 

a)  Make a decision to realign your finances with God’s principles.

b) Make significant changes in your mindset and financial management.

c)  Decide to let God take the driver’s seat where He belongs.

8. Key: stop borrowing more, start living on less, begin paying back what youowe. (Slide 28)

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III.

Conclusion: If God owns all that we have, the way we spend, save andinvest is as much as spiritual as the money we give to God. If He is Lord ofall, then we must be stewards of all the money or possessions He has

entrusted to us. (Slide 29)