1. Christian Financial Counseling How To Find An Abundance In Your Budget

2. God’s Principles For Managing Money

3. The Economy People 20 2 Products 20,000 2,000 Money 20,000 2,000 More Production = More Jobs No More Money = Use of Credit More Credit Means Higher Prices Higher Prices = Inflation Inflation Means More Credit

4. Social Security World War II: 15 - 1 Today:2 - 1 ~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~ 1981 …Facing a 1.5 Trillion dollar imbalance over nest 75 years. Spending $12,400 a minute more than receiving in taxes. ~~~~~~~~~~~~~~~~~~~~~~~~~~~~~ ‘40-’70 Ratio:30-34% ‘70-’80 Ratio:up to 54.6% 1977 Ratio:down to 42% Wage Replacement Ratio

5. Loan Dept. Sorry I have to Deny Your Loan application. But keep in touch … I’d sure like to hear how you get out of this mess.

6. What is Wealth? 1. Wealth is more than money... 2. God’s Promises It is Salvation, Health, Friends, Family, Love, Joy, Peace, etc. Peace 3. Prerequisites Trust Commit to Surrender Responsibility of Obedience 4. Financial Foundation OwnerManagerPurpose PowerProsperity

7. How God Uses Money 1. To allow us to demonstrate our trust. 2. To increase our faith. 3. To provide a witness. 4. To direct our lives.

8. How God Does NOT Use Money 1. To cause worry 2. To cause family conflicts. 3. To corrupt Christians. 4. To overprotect Christians.

9. Financial Bondage When anything material stands in the way of our relationship with GOD. Symptoms Worry - Anger - Resentment Overspending - Indulgence Problems Financial Ignorance Poor Planning Wrong Attitudes

10. Financial Freedom The absence of anything material in our relationship to God. Steps to Freedom... 1. Transfer Ownership 2. Accept God’s Direction 3. Follow God’s Plan for you 4. Establish the Right Balance. God -First Spouse -Second Children -Third Work -Fourth

11. God Faith Obey Submit Love Faith Obey Submit Love

12. Financial Planning “We should make plan - counting on God to direct us.” Proverbs 16:9 “Trust in the Lord … In all thy ways acknowledge Him … He Shall direct your paths” Proverbs 3:5-6 How to Plan? Short Range - Yearly Budget Long Range - Lifetime Goals “Commit your work to the Lord, then it will succeed.” Proverbs 16:3

13. Short Range Planning 1. Surrender control to God. 2. Honor God with the first part. 3. Develop good family communication. 4. Design a plan for your family. 5. Reduce or eliminate debt. 6. Pay all debts on time. 7. Maintain an excellent reputation. 8. Develop a budget. 9. Fix your spending level - to provide for family - to give to the needy - to avoid being wasteful

14. Long Range Goals 1. Establish a reasonable lifestyle. 2. Plan for sharing the surplus. 3. Plan for debt elimination. 4. Vocational goals. - Peace - Fulfillment - Ministry - Witness - Pay - Responsibility 5. Educational goals. 6. Investment goals. 7. Retirement goals. 8. Inheritance goals.