WHAT DOES THE BIBLE SAY ABOUT....FINANCES?
If we are having problems in the area of our finances, we need to examine God's Word as
to what He says about finances and then line up with that Word. Are we handling our money
wisely? True wisdom comes from God and the Bible has revelation about money problems as
well as our other problems.
So many people in our day are having financial problems. Even wealthy men are concerned
they will lose their riches because of inflation and the worth of the dollar dropping
daily. Stock markets around the world have been unstable. People are contemplating
bankruptcy and even suicide due to such heavy money pressures. Many marriages are also
under extreme stress and divorce has risen due to unresolved financial difficulties.
Is there an answer to all the money problems? Yes, the Bible has the answer to this
problem as well as all others that face mankind. Briefly, we are going to write down a
basic financial check list based on the Word of God. On this list we are going to look at
some things that can block our financial blessings. As Christians, we are promised the
blessings of God, not the curses of the devil. The promise of prosperity and blessing
belongs to us, not the curse of poverty and fear. Galatians 3:13-14 says,
"Christ hath redeemed us from the curse of the law, being made a curse for
us: for it is written, Cursed is every one that hangeth on a tree: That the blessing of
Abraham might come on the Gentiles through Jesus Christ; that we might receive the promise
of the Spirit through faith."
Genesis 17:1-7 says, "And when Abram was ninety years old
and nine, the Lord appeared to Abram, and said unto him, I am the Almighty God; walk
before me, and be thou perfect. And I will make my covenant between me and thee, and will
multiply thee exceedingly. And Abram fell on his face: and God talked with him, saying, As
for me, behold, my covenant is with thee, and thou shalt be a father of many nations.
Neither shall thy name any more be called Abram, but thy name shall be Abraham; for a
father of many nations have I made thee. And I will make thee exceeding fruitful, and I
will make nations of thee, and kings shall come out of thee. And I will establish my
covenant between me and thee and thy seed after thee in their generations for an
everlasting covenant, to be a God unto thee, and to thy seed after thee."
From these Scriptures we see we receive the same blessings as Abraham because we are
his seed. Therefore, our first step is to become a child of God, thus the seed of Abraham
and God. Then, Matthew 6:31-33 applies to us. "Therefore
take no thought, saying, What shall we eat? or, What shall we drink? or, Wherewithal shall
we be clothed? (For after all these things do the Gentiles seek:) for your heavenly Father
knoweth that ye have need of all these things. But seek ye first the kingdom of God, and
his righteousness; and all these things shall be added unto you." We must
give our lives totally to God and seek His righteousness, then all the things that the
Gentiles (those in the world) are seeking will be added to us. What are the things that
those in the world are seeking? Clothes, houses, food, etc.
A total commitment to God is the very first step to financial blessings. However, there
are many Christians who still have not gained the victory in finances due to other
principles in God's Word that have been ignored. Let's ask ourselves some questions that
will bring us financial freedom if we are agreeing with the Word of God in these matters.
A FINANCIAL CHECK LIST
1. Are we giving at least 10% to the work of God which is the tithe?
(If not, we are using God's money, and robbing Him.) Malachi 3:10: "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." Matthew 23:23
"Woe unto you, scribes and Pharisees, hypocrites! for ye pay tithe of mint and anise
and cummin, and have omitted the weightier matters of the law, judgment, mercy, and faith:
these ought ye to have done, and not to leave the other undone."
2. Are we giving our tithe to the ministry where we are being fed?
(Offerings, above the tithe, may be given to the poor, good works, etc. however, our tithe
should go to the spreading of the gospel. Additional offerings also should be given to the
church and it's five-fold ministries as listed in Ephesians 4:11;
apostles, prophets, evangelists, pastors, and teachers.) 2 Corinthians 9:6-8:
"But this I say, He which soweth sparingly shall reap also sparingly; and he which
soweth bountifully shall reap also bountifully. Every man according as he purposeth in his
heart, so let him give; not grudgingly, or of necessity: for God loveth a cheerful giver.
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."
3. Are we giving to God first, before paying other bills? Proverbs
3:9-10: "Honour the Lord with thy substance, and with the firstfruits of all thine
increase: So shall thy barns be filled with plenty, and thy presses shall burst out with
4. Are we indifferent to the needs of the poor? Proverbs
28:27: "He that giveth unto the poor shall not lack: but he that hideth his eyes
shall have many a curse."
5. Are we going in debt for lustful things? Wants, instead of needs? 1
Timothy 6:6-10: "But godliness with contentment is great gain. For we brought nothing
into this world, and it is certain we can carry nothing out. And having food and raiment
let us be therewith content."
6. Are we planning and budgeting our financial spending? Luke
14:28-30: "For which of you, intending to build a tower, sitteth not down first, and
counteth the cost, whether he have sufficient to finish it? Lest haply, after he hath laid
the foundation, and is not able to finish it, all that behold it begin to mock him,
Saying, This man began to build, and was not able to finish."
7. Are we lazy or slothful on the job(a day's work for a day's pay)? Ecclesiastes
9:10: "Whatsoever thy hand findeth to do, do it with thy might; for there is no work,
nor device, nor knowledge, nor wisdom, in the grave, whither thou goest." Proverbs
21:25 "The desire of the slothful killeth him; for his hands refuse to labour."
8. Are we too generous in giving to others without paying our own
bills? Do we spend for lustful wants while making our creditors wait for their money? Proverbs
3:27-28: "Withhold not good from them to whom it is due, when it is in the power of
thine hand to do it. Say not unto thy neighbour, Go, and come again, and to morrow I will
give; when thou hast it by thee."
9. Are we being wasteful? John 6:12: "When they were
filled, he said unto his disciples, Gather up the fragments that remain, that nothing be
10. Have we committed all our money and material things to God? Luke
12:34: "For where your treasure is, there will your heart be also."
11. Do we need the things we buy or are they luxuries? Proverbs
21:17: "He that loveth pleasure shall be a poor man: he that loveth wine and oil
shall not be rich."
12. Are we selfish in our families, spending more on our own desires? 1
Corinthians 10:24 "Let no man seek his own, but every man another's wealth."
13. Are we willing to sell or give away anything that God would tell
us to? (Make sure you hear God's voice when giving or selling all, as this is a major step
and God does not require this of you unless you absolutely understand what His plan is for
your life; however, we must all be willing.) Matthew 19:21-22: "Jesus said
unto him, If thou wilt be perfect, go and sell that thou hast, and give to the poor, and
thou shalt have treasure in heaven: and come and follow me. But when the young man heard
that saying, he went away sorrowful: for he had great possessions."
14. Have we paid our debts or made arrangements to do so when we are
having difficulties? Romans 13:8: "Owe no man any thing, but to love one
another: for he that loveth another hath fulfilled the law."
15. Have we been sowing money into the kingdom of God? We reap in
proportion to what we have sown (a little or a lot). Luke 6:38: "Give, and it
shall be given unto you; good measure, pressed down, and shaken together, and running
over, shall men give into your bosom. For with the same measure that ye mete withal it
shall be measured to you again."
16. Have we done our spiritual homework in fasting & prayer over
our finances? Isaiah 58:6 & 9: "Is not this the fast that I have chosen?
to loose the bands of wickedness, to undo the heavy burdens, and to let the oppressed go
free, and that ye break every yoke? Then shalt thou call, and the Lord shall answer; thou
shalt cry, and he shall say, Here I am. If thou take away from the midst of thee the yoke,
the putting forth of the finger, and speaking vanity"
17. Have we been hard on people who owe us money, demanding payment
with no mercy? Luke 6:34-36: "And if ye lend to them of whom ye hope to
receive, what thank have ye? for sinners also lend to sinners, to receive as much again.
But love ye your enemies, and do good, and lend, hoping for nothing again; and your reward
shall be great, and ye shall be the children of the Highest: for he is kind unto the
unthankful and to the evil."
18. Are there other areas that could be blocking our finances such as
any unforgiveness, disobedience, stubbornness, etc.? Matthew 6:14-15: "For if
ye forgive men their trespasses, your heavenly Father will also forgive you: But if ye
forgive not men their trespasses, neither will your Father forgive your trespasses."
19. Are we spending our money foolishly or are we being wise? Proverbs
24:3-4: "Through wisdom is an house builded; and by understanding it is established:
And by knowledge shall the chambers be filled with all precious and pleasant riches."
20. Are we totally committed and thankful to God, no matter what is
happening? This does not mean we are to praise God for bad things as He does not send bad
things in our lives as His children. It means we are to be thankful and praise God in the
midst of all of our problems as He desires to show us the way out of our troubles. We
praise God "in" the trouble, not "for" the trouble. Psalm
34:1: "I will bless the Lord at all times: His praise shall continually be in my
mouth." Philippians 4:4-7: "Rejoice in the Lord alway: and again I say, Rejoice.
Let your moderation be known unto all men. The Lord is at hand. Be careful for nothing;
but in every thing by prayer and supplication with thanksgiving let your requests be made
known unto God. And the peace of God, which passeth all understanding, shall keep your
hearts and minds through Christ Jesus."
21. Do we lack faith in God as our total source? Psalm
121:1-2: "I will lift up mine eyes unto the hills, from whence cometh my help. My
help cometh from the Lord, which made heaven and earth." Romans 14:23: "---for
whatsoever is not of faith is sin."
22. Are we hoarding things through fear or greed? Luke
12:19-21: "And I will say to my soul, Soul, thou hast much goods laid up for many
years; take thine ease, eat, drink, and be merry. But God said unto him, Thou fool, this
night thy soul shall be required of thee: then whose shall those things be, which thou
hast provided? So is he that layeth up treasure for himself, and is not rich toward
God." This is different from preparing for the future by saving and storing
at God's direction. Proverbs 30:24-25: "There be four things which are little
upon the earth, but they are exceeding wise: The ants are a people not strong, yet they
prepare their meat in the summer."
23. Are we seeking financial blessing instead of seeking God and His
will? (Wanting God's benefits, but not God's ways.) Matthew 15:8: "This
people draweth nigh unto me with their mouth, and honoureth me with their lips; but their
heart is far from me."
24. Are we giving excessively to God's work in an attempt to ease our
guilt, yet are not paying our bills? Although not many are guilty of this sin we felt we
should deal with it as the devil tempts us to go to one extreme or the other. If we are
giving too much and not paying our bills it would be wise for us just to give a tithe for
awhile until the Lord showed us how to pay our debts. Giving 50% to God and not paying our
bills is not in harmony with the Scriptures. "Owe no man any thing, but to
love one another: for he that loveth another hath fulfilled the law" (Romans 13:8).
The Lord wants us out of debt, then we will be able to give more to His Kingdom. Some
Christians go to the other extreme and say when they are out of debt, then they will give.
The devil sees to it they never are out of debt. We must always put God first in our
finances, then He will show us the way out of debt.
These are some of the major reasons we fail financially. We may have been ignorant
about some of these things until now. The Bible says in Hosea 4:6a: "My
people are destroyed for lack of knowledge." Many Christians are being
destroyed financially either because they are ignorant of God's knowledge or they refuse
to adhere to it. Don't be destroyed in this area of your life. Simply repent of past
failures and ask God to give you the grace and strength to obey Him and do those things
that His Word outlines. You can be an overcomer and walk in victory. Remember to give God
some time. If you have been doing it the world's way a number of years, you must now give
God an opportunity to prove Himself faithful.
Malachi 3:10 says to "prove Him". "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."
Galatians 6:9 promises we shall reap what we sow. Just as a farmer
plants a crop and then there is a growing season before the harvest, so it is with
planting God's Word in our hearts. "And let us not be weary in well doing:
for in due season we shall reap, if we faint not." Don't faint! Ask God for
the strength to overcome. We are overcomers in Christ!
Remember, we are stewards of all that we own and we must give an account to God for it.
A steward is someone who takes care of another's property. Psalm 24:1: "The
earth is the Lord's and the fulness thereof;the world, and they that dwell therein."
Romans 14:12 says, "So then every one of us shall give account of himself to
If we want to be pleasing to the Lord with our money, we must begin today to be
faithful in the small amounts; only then will we be faithful in the larger amounts God
will entrust us with as we obey Him. How wonderful it will be to then hear the Lord's
commendation recorded in Matthew 25:21, "His lord said unto him, Well done,
thou good and faithful servant: thou hast been faithful over a few things, I will make
thee ruler over many things: enter thou into the joy of thy Lord."
Some are heaping treasures together in these last days while ignoring God and they will
find such treasures are worthless. "Go to now, ye rich men, weep and howl for
your miseries that shall come upon you. Your riches are corrupted, and your garments are
motheaten. Your gold and silver is cankered; and the rust of them shall be a witness
against you, and shall eat your flesh as it were fire. Ye have heaped treasure together
for the last days" (James 5:1-3).
Money cannot save us from the tribulation of these last days; only our trust and faith
in God will see us through.
One rule we should follow when considering giving is to never give under extreme
emotional persuasion. Many fleshly ministries use not only drastic emotional appeals, but
also many other gimmicks to influence people to give to their ministries. Many people have
given under this kind of pressure and later have found that it was not the Lord. Others
have made pledges under the same influence and then have found they were unable to keep
them. Any minister that would threaten people with the wrath of God should they fail to
keep their pledge is definitely not under the Holy Spirit's leadership.
Pledges are very similar to vows or oaths unto God, and we are told not to swear in the
New Testament. "But above all things, my brethren, swear not, neither by
heaven, neither by the earth, neither by any other oath: but let your yea be yea; and your
nay, nay; lest ye fall into condemnation" (James 5:12). We can desire to do
certain things and tell the Lord that we want to be able to do them, but we should not
promise God or make a vow that we will do them because Satan will condemn us if we should
fail. This is not only true in the area of giving money, but also in other areas of our
lives. We can make commitments to God, but not vows.
We should ask God who is worthy to receive the things He would have us bring as an
offering unto Him. True ministers of God will receive offerings as unto the Lord as they
will make their needs known however, they will not spend half their time begging,
pleading, threatening or coercing people to give. Those ministers who are walking in faith
know that God is their source and they do not look to people. God touches people's hearts
to give when a minister is trusting God for his needs.
When we give unto the Lord, it should be with a cheerful attitude. If we give
generously, the Lord blesses us in the same way. However, God's blessings don't come back
only monetarily, but in the form of our needs when we are trusting Him.
"But this I say, He which soweth sparingly shall reap also sparingly; and
he which soweth bountifully shall reap also bountifully. Every man according as he
purposeth in his heart, so let him give; not grudgingly, or of necessity: for God loveth a
cheerful giver. 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: (As it is written, He
hath dispersed abroad; he hath given to the poor: his righteousness remaineth for ever.
Now he that ministereth seed to the sower both minister bread for your food, and multiply
your seed sown, and increase the fruits of your righteousness;) Being enriched in every
thing to all bountifulness, which causeth through us thanksgiving to God. For the
administration of this service not only supplieth the want of the saints, but is abundant
also by many thanksgivings unto God" (2 Corinthians 9:6-12).
Sowing and reaping is a very important principle in the Word of God. We must sow
(plant) money into God's works if we expect to receive a harvest. The Lord gives us money
for two purposes. We must have money for a living and to eat, plus money for giving.
"For as the rain cometh down, and the snow from heaven, and returneth not thither,
but watereth the earth, and maketh it bring forth and bud, that it may give seed to the
sower, and bread to the eater" (Isaiah 55:10).
God expects us to keep money for bread, as well as seed for sowing. Those Christians
who give it all away and then expect God to take care of them are violating this principle
of keeping bread to eat. (Farmers kept grain to grind into flour for bread making, as well
as some grain for seed to plant the next crop.) Some people give all their seed away and
have nothing to eat, while others wrongly eat all their seed and have nothing to plant for
the next harvest. We should have seed for both purposes.
After we plant a crop we expect a harvest; even so we should expect God to meet our
financial needs when we have been obedient and have given of our tithes and offerings. "Give,
and it shall be given unto you; good measure, pressed down, and shaken together, and
running over, shall men give into your bosom. For with the same measure that ye mete
withal it shall be measured to you again" (Luke 6:38).
Our giving should also be to help our brothers and sisters whenever the Lord so
directs. We must learn how to give by the Spirit's direction and not allow our emotions or
sympathy to rule us. Until we have had these soulish areas renewed, we can still be
influenced by Satan through them. God is not always sympathetic with seemingly good
causes. We should not give mechanically to things because it has been our pattern in times
past, but we should remain open to the Lord's direction for our giving as with all
guidance. Sometimes the Lord may speak that we are not to give to a certain person or
ministry. We need to be just as sensitive to the Lord's restraining voice as to His
condoning voice. He may want us to give elsewhere.
If we are truly walking in the Spirit, we will always have the desire to give because
it is the nature of God to give. Greed and stinginess are from Satan. If we are truly
committed to God, giving will not be a burden, but rather a joy. God is calling us to be
committed to the point where if He told us to leave all and follow Him, we would not
hesitate. We find a rich man in the Bible that could not make this commitment, and he
ultimately missed God's blessings for his life. Let us be faithful in the area of giving
and we shall never lack in the things we really need as that is God's promise to us.
This article is taken from the book Pathway Into The Overcoming Life
by Betty Miller. You may copy and circulate it freely.
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