FINANCIALLY

Being prosperous or not; it is in your hands (A message to help us have a balance understanding of finances and how to hand it in a godly manner.) 5 May 2013 Ian F. Loughor-Clarke, Pastor admin@haenertsburgchristianchurch.co.za

Being prosperous or not; it is in your hands. Many people receive advice in life, but sadly only the wise profit by it. Ian Loughor-Clarke

1. Reprogramming your mindset It is better to have a hen tomorrow than an egg today. Thomas Fuller 1732 Haggai 2:8 (NIV) 8 ‘The silver is mine and the gold is mine,’ declares the Lord Almighty.

2. Knowledge, understanding and wisdom are the 3 ingredances needed to become wealthy. To become wealthy you need basically three things: The knowledge of what to do and; Understanding. The discipline/wisdom to practice the things to be done.

Proverbs 4:7 (NIV) 7 Wisdom is supreme; therefore get wisdom Proverbs 4:7 (NIV) 7     Wisdom is supreme; therefore get wisdom. Though it cost all you have get understanding.   Proverbs 24:3–4 3 By wisdom a house is built, and through understanding it is established; 4 through knowledge its rooms are filled with rare and beautiful treasures

The secret to success in anything is applied truth. Being prosperous or not; it is in your hands. The secret to success in anything is applied truth.

Proverbs 3:13-18 (NIV) 13     Blessed is the man who finds wisdom, the man who gains understanding, 14     for she is more profitable than silver and yields better returns than gold. 15     She is more precious than rubies; nothing you desire can compare with her. 16     Long life is in her right hand; in her left hand are riches and honor. 17     Her ways are pleasant ways, and all her paths are peace. 18     She is a tree of life to those who embrace her; those who lay hold of her will be blessed.

3. Choose to become financially wise. Proverbs 21:11 (NIV) 11 When a mocker is punished, the simple gain wisdom; when a wise man is instructed, he gets knowledge. Proverbs 3:13-14 (NIV) 13 Blessed is the man who finds wisdom, the man who gains understanding, 14 for she is more profitable than silver and yields better returns than gold.

Being prosperous or not; it is in your hands. Proverbs 14:15 (NIV) 15     A simple man believes anything, but a prudent man gives thought to his steps.

4. Have a clear set of Goals. Proverbs 21:5 5 The plans of the diligent lead to profit as surely as haste leads to poverty.

4. Have a clear set of Goals. Proverbs 21:5 5 The plans of the diligent lead to profit as surely as haste leads to poverty.

The road up and the road down is one and the same. HERACLITUS C.490 BC

Being prosperous or not; it is in your hands. Luke 14:28 (NIV) 28 “Suppose one of you wants to build a tower. Will he not first sit down and estimate the cost to see if he has enough money to complete it?

10 STEPS TO A MILLION RANDS

FINANCIALLY

Being prosperous or not; it is in your hands (A message to help us have a balance understanding of finances and how to hand it in a godly manner.) 5 May 2013 Ian F. Loughor-Clarke, Pastor admin@haenertsburgchristianchurch.co.za

Being prosperous or not; it is in your hands. Many people receive advice in life, but sadly only the wise profit by it. Ian Loughor-Clarke

1. Reprogramming your mindset It is better to have a hen tomorrow than an egg today. Thomas Fuller 1732 Haggai 2:8 (NIV) 8 ‘The silver is mine and the gold is mine,’ declares the Lord Almighty.

2. Knowledge, understanding and wisdom are the 3 ingredances needed to become wealthy. To become wealthy you need basically three things: The knowledge of what to do and; Understanding. The discipline/wisdom to practice the things to be done.

Proverbs 4:7 (NIV) 7 Wisdom is supreme; therefore get wisdom Proverbs 4:7 (NIV) 7     Wisdom is supreme; therefore get wisdom. Though it cost all you have get understanding.   Proverbs 24:3–4 3 By wisdom a house is built, and through understanding it is established; 4 through knowledge its rooms are filled with rare and beautiful treasures

The secret to success in anything is applied truth. Being prosperous or not; it is in your hands. The secret to success in anything is applied truth.

Proverbs 3:13-18 (NIV) 13     Blessed is the man who finds wisdom, the man who gains understanding, 14     for she is more profitable than silver and yields better returns than gold. 15     She is more precious than rubies; nothing you desire can compare with her. 16     Long life is in her right hand; in her left hand are riches and honor. 17     Her ways are pleasant ways, and all her paths are peace. 18     She is a tree of life to those who embrace her; those who lay hold of her will be blessed.

3. Choose to become financially wise. Proverbs 21:11 (NIV) 11 When a mocker is punished, the simple gain wisdom; when a wise man is instructed, he gets knowledge. Proverbs 3:13-14 (NIV) 13 Blessed is the man who finds wisdom, the man who gains understanding, 14 for she is more profitable than silver and yields better returns than gold.

Being prosperous or not; it is in your hands. Proverbs 14:15 (NIV) 15     A simple man believes anything, but a prudent man gives thought to his steps.

Bill Big Sam Small The question is: Is it better to buy big or small?

Bill Big R125,000 at 10% interest for 30 years. Financing R115,000 Bill Big R125,000 at 10% interest for 30 years. Financing R115,000. His payments are R1 000 a month for 30 years, so he pays R360 000 for His R125 000 home.

Sam Small R70 000 at 10% interest for 7 years. Financing R60 000 Sam Small R70 000 at 10% interest for 7 years. Financing R60 000. His payments are R1 000 a month for 7 years.

Sam Sold his home for R70 000 after 7 years Sam Sold his home for R70 000 after 7 years. Took his R70 000 and bought a R125 000 home next to Bill Big. Financing R55 000 (R125 000 minus R70 000) for 7 additional years at 10%.

His new payments were R 913 per month His new payments were R 913 per month. After 7 years, Sam owned his R125 000 home, debt free. He had paid a total of R160 692 for it, including interest. 7 years at R1 000/ month = R 84,000 7 years at R 913/ month = R 76,692 R 160,692

Sam Small paid R 160,692 Finished paying for both properties in 14years. Bill Big sill had 16 years to go on his payment at R1000/month.

4. Have a clear set of Goals. Proverbs 21:5 5 The plans of the diligent lead to profit as surely as haste leads to poverty.

The road up and the road down is one and the same. HERACLITUS C.490 BC

Being prosperous or not; it is in your hands. Luke 14:28 (NIV) 28 “Suppose one of you wants to build a tower. Will he not first sit down and estimate the cost to see if he has enough money to complete it?

10 STEPS TO A MILLION RANDS

5. Grow what you have little by little Proverbs 13:11 11 Dishonest money dwindles away, but he who gathers money little by little makes it grow.

Re-Cap: 1. Reprogramming your mind-set. 2. Knowledge, understanding and wisdom are the 3 ingredances needed to become wealthy. 3. Choose to become financially wise. 4. Have a clear set of Goals. 5. Grow what you have little by little (Principle of compound interest). 6. Return 10% back to God (Principle of tithing).

Being prosperous or not; it is in your hands. Leviticus 27:32–33 32 The entire tithe of the herd and flock—every tenth animal that passes under the shepherd’s rod—will be holy to the Lord.

6. Return 10% back to God Proverbs 3:9-10 9 Honor the Lord with your wealth, with the firstfruits of all your crops; 10 then your barns will be filled to overflowing, and your vats will brim over with new wine.