Michel A. Bell is founder & president of Managing God's Money, former senior business executive, author, speaker, preacher. In 1985, after a 2-year journey to show his 12 year old daughter Christianity was for uneducated, feeble minded folks, he surrendered his life to Jesus.

Weekly Meditations

We pray weekly meditations inspire and point you to Jesus Christ:

Quarterly Letters

By month's end following a quarter, we upload our Quarterly Letters: Summer 2010

Published & Online Articles

Regularly, we add selected articles. Click here to read, Globalization; We Don't Get It!

Essential Tools

Financial Plan Budget Debt Calculator

TV Interviews & Commentaries

View our recent interview on 100 Huntley Street, Full Circle.

Teaching Kids About Money

Welcome to Managing God's Money!



His Word For Today

Love is patient, love is kind. It does not envy, it does not boast, it is not proud. It is not rude, it is not self-seeking, it is not easily angered, it keeps no record of wrongs. Love does not delight in evil but rejoices with the truth. It always protects, always trusts, always hopes, always perseveres. (1 Corinthians 13: 4-7).

Who We Are

Managing God's Money is a private, Christ-centered organization devoted to teaching individuals, couples, and groups to use money, time, talents, and other resources, for God’s glory and to further His Kingdom. We are not a charity, do not represent financial companies or sell their products; neither do we seek funding.

The foundation of our teachings is the GAS Principle: God owns everything; accept what you have, seek first His Kingdom and rigtheousness and submit your requests to Him. We believe and teach you can't manage money. So, when we refer to money management we mean lifestyle management. That's why we stress ABC's, not 1-2-3's as critical money drivers. Your attitude is your worldview-what you believe-and it decides how you behave. Your attitude decides too, your choices. Our experience is that most folks' behaviour suggest they don’t believe the GAS Principle. Rather, they believe in their heads, but not with their legs; unwittingly using Scripture to support their unbelief!

Repay Debt or Save, Invest Funds

If you are deciding between keeping investments such as Registered Retirement Savings (RRSPs), or repaying your mortgage, look at your mortgage rate, which, in Canada, is after tax, compared with your RRSP income, which is before taxes. If you decide to repay the mortgage or other loans, what will you do with prior monthly mortgage and loan payments? Normally, without specific attention, expenses rise with income. Next, are you and your spouse on the same page with this... more.

Who Needs a Spending Plan

Spending plans show the cost in time, talents, and money to carry out goals: your destination―what God wants you to do; where He wants you to go. Ask God to show you specific goals for the planning period. Here is an important spending plan goal: No shortfall―expenses to be less than income. Fund the spending plan fully from regular income. Assign enough funds to carry out goals such as buying specific clothing, taking a specific vacation, or taking a specific course. The spending plan exercise calculates costs of goals so you see if you might have enough funds to carry them out during the plan period. If you don’t see funds, change goals as needed... more.

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