Christian Financial Advice

Managing God’s Money’s goal is to give free advice from a Christian viewpoint, which we call Christian financial advice.  Christian financial advice is more than quoting a few Bible verses and sending folks away.  Christian financial advice means presenting suggestions according to Bible principles.  Christian financial advice is practical, and includes tips, tools, techniques, while trying to look at each circumstance through the eyes of Jesus the Messiah; remembering always His words in Matthew 16:26:  “What good will it be for a man if he gains the whole world, yet forfeits his soul?”

Christian Financial Planning

Managing God's Money believes in financial planning, which we refer to as Christian financial planning.  Christian financial planning has the GAS Principle as its foundation.  Christian financial planning is holistic and focuses on lifestyle choices.  Christian financial planning highlights a major challenge people face when dealing with finances:  they try to manage money, instead of their lifestyles. 

Christian financial planning anticipates and tries to defeat, seductive marketing phrases that act as hooks and deflect from real questions: Can you afford to own a home? Can you afford a certain type of car? Can you afford to go abroad on vacation? Today, you don't hear these questions. The idea of affordability no longer is deemed relevant. Instead, society has gotten you to think about the next payment alone, not the full cost of the article or activity. Even cosmetic surgery you can buy now and pay later!

Though not politically correct, Christian financial planning points you to the main area that needs managing, your behaviour—money management is a misnomer!  That's why, when we refer to money management, we mean lifestyle management.

At no cost to you, we are pleased to assist you when you contact us about personal financial matters.

Christian Financial Planning In Action

Some folks tell us:  If God is in control, why should we plan?  Why should your ten year old daughter do anything—go to camp, go to school—while living at home?  We would expect her to live her life according to guidelines we know is best for her. Likewise, Jesus the Messiah wants His children to live according to His blueprint, the Bible; but we don’t have to!  Yet some of us do, because we believe in Christian financial planning, which includes  surrendering all to Jesus and asking Him to direct our path.  Christian financial planning does not present our wishes to God, to try to change Him to our ways.  Christian financial planning seeks first to know God’s goals—where He is active in our lives—and then, looks at ways to adjust our lives to His goals.  That’s why we stress lifestyle management. 

Repay Debt Or Invest Available Funds?

Folks must decide with or without Christian financial planning experts, how to use funds wisely.  Do you use 401Ks or Registered Retirement Savings Plans (RRSPs) to repay mortgage?  In Canada, your mortgage is after tax, but RRSP income is before tax... more

Do You Save When You Spend In A Sale?

When you buy an item, irrespective of price, you spend, you don't save. If you pay less than you thought you would pay, you don't save the difference, you spend less. And spending less isn't saving! When your friendly merchant tells you an item is 70% off, you don't save when you buy that item; you spend 30% of the original price. It is that simple. Is this reduced price a good value proposition? Sometimes we know, other times we don't. Maybe the real value is 30% of the listed price. But that's irrelevant! You spent 30% of the original price--that's your cost.

It gets worse. You think you will save in a sale, so you buy on credit, don't pay the full credit card balance, and incur high and recurring interest costs. Not only did you not save, but you bought an item with funds you didn't have, and you are stuck paying interest on a loan.

If you want to save when you spend in a sale, you must set aside the discount from the list price, 70%, in a savings vehicle similar to those I described earlier. If you are not convinced and you think you save when you buy items on sale, where are those funds you saved from earlier sales? more

Christian Financial Help

The Bible has answers to life’s issues.  It’s a source of help; help with finances—Christian financial help. You can search the Bible, by typing a word or phrase in the appropriate section of this website to know what it teaches about money or other matter.  The Bible can provide needed Christian financial help.  Christian financial help is not necessarily getting more money.  Christian financial help could be a reminder of your favourite bible verses, the many promises Messiah made to you, and a reminder Messiah will never leave or forsake you.  But be careful; don’t lift a verse and claim it out of context; interpret the Bible in context-- paragraph, chapter, whole Bible. As well, move away from slick TV evangelists who lure you to give them funds so you can get a blessing. 

This site has several tools we are confident will help you. The Capital Fund, the credit card alternative helps you save for big ticket items--it is the most popular. Next is our new, simple, free envelope budget system, and our new financial planning calculator. If you do not use a budget or financial plan, you ought to. A budget and financial plan will help relieve financial stress. Other useful tools calculate your debt free date, help you decide if you can afford to spend before you spend, and much more.

Reflect on these words:

Keep your lives free from the love of money and be content with what you have, because God has said, “Never will I leave you; never will I forsake you.” — Hebrews 13:5.

Tithing:  The Truth About Tithing

Tithing under the Mosaic Law applied to Israel alone, and to agricultural produce and livestock only, during a particular period.  It dealt with Israel’s social and religious arrangements at the time. Jesus’ death and resurrection fulfilled the tithing law, removing the need for animal sacrifices to remove sin.  Besides, Jesus replaced the temporary Aaronic office of High Priest (Hebrews 7 & 8), with a permanent priesthood (Hebrews 7:24).

The GAS Principle highlights the need to allow God to guide distribution of 100% of His funds—rather than a tithe (10%).  It reflects giving under the New Covenant (2 Corinthians 8-9), which I call keeping, a lifestyle that starts with a personal relationship with Messiah, accepts His ownership of 100% of everything, and stays close to Him to learn where He wants time, talent, and money invested, to further His Kingdom.  Click this link for Tithing: The Truth About Tithing. You will find helpful too, these stewardship Bible verses.