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PRINCIPLES INBIBLICAL
STEWARDSHIP
BYPASTOR V.L.CABUNILAS
GOSPEL LIGHT BAPTIST CHURCH
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1. God Owns Everything.
'The silver is mine and the gold is mine,'
declares the LORD Almighty.-- Haggai 2:8
Ihave no need of a bull from your stall or
of goats from your pens, foreveryanimal
ofthe forest is mine, and the cattle on a
thousand hills.
-- Psalms 50:9-10
I. . THERE ARE TWO (2)
FACTORS OF STEWARDSHIP
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2. GOD OWNS EVERYTHING - YOU OWN NOTHING
Genesis 1:1 In the beginning God created the heavenand the earth.
James 1:17 Every good gift and every perfect gift
is from above, and cometh down from the Father of
lights, with whom is no variableness, neither shadow
of turning. Job 1:21 And said, Naked came I out of my mother's
womb, and naked shall I return thither: the Lord gave,
and the Lord hath taken away; blessed be the name
of the Lord.Therefore:
Rev. 4:11 Thou art worthy, O Lord, to
receive glory and honour and power: for
thou hast created all things, and for thy
pleasure they are and were created.
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II. God Makes It Happen(Not You)
Butremember the LORD yourGod, forit is he who gives you
the ability to produce wealth, and so confirms his covenant,
which he swore toyourforefathers, as it is today. --
Deuteronomy8:18
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Matthew 5:45
. . . forhe maketh his sun torise on the evil and on the
good, and sendeth rain on thejust and on the unjust.
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1 Tim. 6:17-18 Charge them that are rich in this world, that
they be not highminded,nor trust in uncertain riches, but
in the living God, who giveth us richly all things to enjoy; [18]
That they do good, that they be rich in good works, ready to
distribute, willing to communicate;
The key lies in our
attitude
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III. God Trusts It ToThe Faithful.
'Well done, good andfaithful servant! You have been faithful
with a few things I will putyou in charge ofmany things.
Come and share yourmaster's happiness!' -- Matthew25:21
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More money
More car
more houses
more business
1. MOTIVATION -the "want to
IV. The three critical elements for Biblical Stewardship
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Financial Self-disciplineIt's important to control our wants. Financial success
includes controlling selfish desires.
Prov. 21:17
He that loveth pleasure shall bea poorman: he that loveth wine andoil
shall not be rich.
Prov. 21:20 There is treasure to be desired
andoil in the dwellingof the wise; but a
foolish man spendeth it up.
1. Motivation - the "want to
Proverbs 21:20 Be thou diligent to know the state of
thy flocks, and look well to thy herds. For riches are not
for ever: and doth the crown endure to every generation?
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2. EDUCATION-the "how to
The wicked borrow and do not repay, but the
righteous give generously -- Psalms 37:21
The LORD abhors dishonest scales, but accurate
weights are his delight. -- Proverbs 11:1
Dishonest money dwindles away, but he who
gathers money little by little makes it grow.
-- Proverbs 13:11
No Dishonesty
A. No Dishonesty
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B. Work Hard
He who works his landwill have abundant food, but
the one who chases fantasies will have his fillofpoverty.
-- Proverbs 28:19
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Being idle or lazy is not in step with God's expectations of
our behavior
2 Thes. 3:10-12 Foreven when we were with
you, this we commandedyou, that if any
would not work, neither should he eat.
2 Thes. 3:7-8. . , forwe behaved notourselves
disorderlyamongyou; [8] Neitherdid we eat
anyman's breadfornought; but wrought withlabourand travail night and day, that we might
not be chargeable to anyofyou
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POVERTY... Others are poor because of their own sinful conduct
A. Laziness
Proverbs 20:13 Love not sleep, lest thou come to poverty; openthine eyes, and thou shalt be satisfied with bread.
B. Refusing to heed correctionProverbs 13:18 Povertyand shame shall be to him thatrefusethinstruction: but he thatregardeth reproofshall be honoured.
C. Pleasure seeking
Proverbs 21:17 He that loveth pleasure shall be a poorman: hethat loveth wine andoil shall not be rich.
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Causes Of
Poverty
LazinessRefusing to heed
correction
Pleasure
seeking
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C. Give Generously
Malachi 3:10 Bringye all the tithes into
the storehouse, that there maybe meat
in mine house, andprove me nowherewith, saith the Lord of hosts, ifI
will not open you the windows of
heaven, and pour you out a blessing,
that there shall not be room enough
to receive it.
TITHES [10%]
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2 Cor. 9:6-8 He which soweth
sparingly shall reap also sparingly;and he which soweth bountifully
shall reap also bountifully. [7] Every
man according as he purposeth in his
heart, so let him give; not grudgingly,
orofnecessity: forGod loveth acheerful giver. [8] AndGod is able
to make all grace abound toward
you; that ye, always having all
sufficiency in all things, mayabound to everygood work:
D. PRICIPLES OF GIVING
Acts 20:35 .. remember the words
of the Lord Jesus, how he said,It is
more blessed to give than to
receive.
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Malachi 3:8-9
Will a man rob God?
Yetye have robbed me.
Butye say, Wherein
have we robbed thee?
In tithes and offerings.
[9]Ye are cursed with
a curse: for ye have
robbed me, even this
whole nation.
CURSE IN NOT
GIVING[Tithes and Offerings]
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BLESSINGS IN GIVINGMalachi 3:10-12
Bring ye all the tithes into the
storehouse, that there may bemeat in mine house, andprove
me now herewith, saith the
Lord of hosts, ifIwill not
open you the windows of
heaven, and pour you out ablessing, that there shall not
be room enough to receive it.
[11] And Iwill rebuke the
devourer for your sakes, andhe shall not destroy the fruits of
your ground; neither shall your
vine cast her fruit before the
time in the field, saith the Lord
of hosts.
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3. IMPLEMENTATION -the "way to
Proverbs 27:23-25Be thou diligent to know the
state of thy flocks, and look well to thy herds.
[24]For riches are not for ever: and doth the crown
endure to everygeneration?.
Planningis the key to successful money management.
From the book ofProverbs we glean the need for
foresight.
Prov. 22:3"A prudent man foresees evil and hideshimself, but the simple pass on and are punished
1. FINANCIAL PLAN [budget]
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MONTHLY INCOME:
GROSS P________
MONTHLY
EXPENSES
a) Tithes P ___
b) Mission ___
c) Offering ___
HOUSING
a) Electricity ___
b) Water ___
c) Telephone ___
d) Gas ___
e) Groceries ___
TRANSPORTATION
a) Gas ___
b) Maintenance ___
DEBT ___
HEALTH CARE ___
TOTAL
P_____
Monthly Income - Monthly Expenses = Savings
A. EXPENSES
WORKSHEET
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Retirement Savings
Emergency Savings
Children's EducationalSavings
B. SAVINGS
Ifyou have money leftovereach weekormonth,
always aim to put some aside forsavings foryourfamilyandfuture emergency.
Proverbs 6:6-8
Go to the ant, thou sluggard;
consider her ways, and be wise:
[7] Which having no guide,
overseer, or ruler, [8] Provideth
her meat in the summer, and
gathereth her food in the
harvest
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C. Avoiding Financial Black Holes
The prophet Haggai described such drains as putting
one's money in a bag with holes in it
Haggai 1:6 Ye have sown much, and bring in
little; ye eat, butye have not enough; ye drink, butye
are notfilled with drink; ye clothe you, but there is nonewarm; and he that earneth wages earneth wages to put
it into a bag with holes.
Impulse buying
EntertainmentEating out
Late fees
Credit-card debt [over spending]
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0 1000 2000 3000 4000
Electricity
Gasoline
Water
Tel
Food
Now
Before
D. COST CUTTING
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TRUE SECURITY
Lasting security is found not in a big bank account,
but in building strength of character and a goodreputation.
No lasting security is to be found in wealth.
Prov. 11:28 He that trusteth in his riches shallfall: but the
righteous shallflourish as a branch.
So many unforeseen events can wipe out material
wealth overnightan accident, natural disaster, an
extended illness, a criminal act.
The only lasting security is a right relationship
with our Maker. Prov.11:4 Riches do not profit in the dayofwrath, but
righteousness delivers from death
Psalm 20:7 Some trust in chariots, and some in horses:
but we will remember the name of the Lord our God.