Practical, Bible-based money management advice, tools and techniques


About Managing God's Money



Managing God’s Money is a private self funded God-centred mission devoted to presenting Christian financial management principles, practices, and biblical stewardship practices to individuals, couples, and groups. The goal is for Christians to use money, time, talents, and other resources for God’s glory and to further His Kingdom. Christian financial management involves various media through which we teach, preach, publish materials, and provide financial counselling. These biblical stewardship activities are routed firmly in the Bible.

God's ownership of everything and your stewardship is central to Christian financial management. Grasping this owner and steward relationship is essential to understanding the idea of managing God's money—a concept many folks have difficulty with. These people prefer the term managing your (my) money, which they say reflects reality. According to them, people earn and so they should spend as they wish. Further, Managing your money shows that God gives a free choice to spend funds at their discretion. Unfortunately, this reasoning ignores the owner and steward relationship.

Christian Financial Management: The Essence

Christian financial management is handling God's money according to biblical guidelines. That's why Christian financial management's essence is The GAS Principle, three biblical truths about money. Christian financial management means carrying out Christian stewardship: it involves surrendering all areas of the Christian's life to Jesus and allowing Jesus to guide all spending. Christian financial management reflects Christian values, beliefs, and lifestyles; it is your lifestyle that drives spending.

Christian Financial Management: Michel A. Bell’s Beginning

MoneyTreeEssence Why did Michel start this Christian financial management mission? In 1990, shortly after his daughter's engagement, she asked him to present her and her fiancee, pre-marital financial counseling. To prepare, Michel searched Montreal area Christian bookstores, bought all available Christian financial books, read them and was surprized at their contents. None linked handling finances to a vibrant relationship with Jesus. None stated explicitly managing money didn’t need technical financial knowledge, but an understanding that lifestyle choices create expenses. Effectively, none had Jesus as it’s foundation on which it built Christian financial management tips, tools, and techniques.

Michel presented the soon to be newly weds a series of brief Bible-based Christian financial management sessions linked to key financial practices of goal setting, budgeting, and credit card use. The youth pastor at church heard about the sessions and asked Michel to counsel folks at church. This led to Michel doing Christian financial counseling and Bible-based financial seminars at different churches in Montreal and elsewhere—later resulting in his first book, Managing God’s Money—The Basics ("Basics") published in 2000.

When Michel began this journey, the Lord laid on his heart the title of his mission, Managing God’s Money, but Michel struggled with using it because he was convinced then as now, no one can manage money--money management is lifestyle management. Still, as it was a clear direction from God, in obedience, he has used this not only as the mission’s title, but for main titles of his four money books, his CD, DVD, financial seminars, workshops and all he does.

Following the Basics’ publication, at age 53, Michel sensed the Lord guiding him out of his senior executive job, and into this teaching mission, full time. In 2002, as a senior executive of former Alcan Inc. (now Rio Tinto Alcan), he realized he needed to be obedient and heeded God’s clear call to leave the job he loved and would have paid to continue doing. God’s mandate was to leave and be available full time to God to do as God leads; Michel was to prepare no plans, charge no fees, but to serve whomever God brought to Him. In August 2002, Michel left Alcan Inc. and has been full time president of Managing God’s Money.

Christian Financial Management: The Money Triangle

Another cornerstone of Christian financial management is the Money Triangle. Understanding the Money Triangle will help you see more clearly an important principle of Christian financial management—money isn’t manageable. The money triangle points you to the key variable that needs!moneytriangle In each financial transaction, we have three parts: a merchant, me, and money. The merchant produces stuff and tries to get me to buy his stuff, even if I don’t need them. The merchant uses advertising gimmicks such as no money down, sales, and deals, tricking me to think I save when I spend. Folks don’t realize they save only when they set aside funds at no risk. So, the merchant succeeds in convincing many to spend. He tell folks the more they spend the more they save, and then loans money to people who can’t afford to buy stuff. So folks buy stuff they can’t afford and many people end deep in debt. The merchant’s strategy works, and so he comes out on top. The second item in the triangle is me. Long ago, to sell his stuff, the merchant focussed on advertising products or services, but not today. Today, she appeals to me with enticing financing schemes. Sales, deals, no money down, 50% off, zero percent financing are some tactics she uses. Folks succumb because they define affordable as ability to get merchant financing; not ability to accommodate the full item cost in their household budgets without stress and strain to the family.


Money completes the triangle. What is it? Merely a means to an end. It’s anything the merchant will accept in exchange for goods or services he provides. Which of the three Ms, in the money triangle can I manage?

I can’t manage the merchant who tries constantly to get me to spend. I can’t manage money because it’s just the means, the bridge between me and the merchant. I can manage me only—my lifestyle, my needs, my wants, my greed. Before you spend, recall the money triangle. Look at how your lifestyle choices might affect spending. Look at you (me) and your (my) behaviour and take your (my) eyes off the merchant and money. Let’s ask Jesus to help you and me tackle the merchant and his gimmicks. Meanwhile, take a practical step; start working with our free envelope budgeting system.