In the face of current financial instabilities in our nation and in the world, is it necessary for God’s people to be in unstable financial situations in their own lives? No, it is not. God has given us some very helpful counsel, which, if followed, will be a great blessing in any home.

1) Who owns all the money and wealth of the whole world? _____________________

“The ____________ [is] ________, and the ________ [is] ________, saith the ________ of hosts.” Haggai 2:8

“For every __________ of the forest [is] mine, [and] the ____________ upon a thousand hills. I know all the __________ of the mountains: and the wild beasts of the field [are] ________.” Psalms 50:10-11

“But thou shalt remember the LORD thy ______: for [it is] he that ____________ thee __________ to get ____________,” Deuteronomy 8:18

“The __________ [is] the ___________, and the fulness thereof; the world, and they that dwell therein.” Psalms 24:1

2) If it is God Who truly owns everything we have, then what are we to be? ___________

“For [the kingdom of heaven is] as a man travelling into a far country, [who] called his own ________________, and delivered unto them his __________.” Matthew 25:14

“Moreover it is required in ________________, that a man be found _______________.” 1 Corinthians 4:2

God has called us to be wise and faithful stewards of the money and possessions He has lent to us. That means that we are responsible to Him and will have to answer to Him for how we use them.

3) What dangers can there be in being rich, if we use our wealth for ourselves, instead of for the work of God?

“Then said Jesus unto his disciples, Verily I say unto you, That a ________ man shall ________________________ into the kingdom of ____________. And again I say unto you, It is easier for a camel to go through the eye of a needle, than for a ______________ to __________ into the ______________ of God.” Matthew 19:23-24

“Riches ____________________ in the day of __________: but righteousness delivereth from death…. He that ________________ in his ____________ shall ________: but the righteous shall flourish as a branch.” Proverbs 11:4, 28

“And he spake a parable unto them, saying, The ground of a certain rich man brought forth plentifully: And he thought within himself, saying, What shall I do, because I have no room where to bestow my fruits? And he said, This will I do: I will pull down my barns, and build greater; and there will I bestow all my fruits and my goods. 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] ________, this night thy ________ shall be ________________ of thee: then whose shall those ____________ be, which thou hast provided? So [is] he that ____________________________________ for ______________, and is not ________ toward ______.” Luke 12:16-21

“Go to now, [ye] ________________, ________ and howl for your ________________ that shall come upon [you]. Your ____________ are __________________, and your garments are motheaten. Your gold and silver is cankered; and the rust of them shall be a ______________________________________, and shall eat your flesh as it were fire. Ye have _____________________________ together for the last days…. Ye have __________ in ________________ on the earth, and been wanton; ye have nourished your hearts, as in a day of slaughter.” James 5:1-3, 5

“And Jesus looked round about, and saith unto his disciples, How ____________ shall they that have riches __________ into the ______________ of ______!” Mark 10:23

“Neither their ____________ nor their ________ shall be able to ______________ them in the ______ of the LORD'S __________;” Zephaniah 1:18

4) What does the Bible say about covetousness (wanting to have what you don’t have)?

“And he said unto them, Take _______, and ___________ of _____________________: for a man's life ____________________ not in the __________________ of the ____________ which he ____________________.” Luke 12:15

“He that is ____________ of ________ __________________ his own house;” Proverbs 15:27

“Mortify therefore your members which are upon the earth; fornication, uncleanness, inordinate affection, evil concupiscence, and ________________________, which is ________________: For which things' sake the __________ of ______ cometh on the children of ________________________:” Colossians 3:5-6

5) What does the Bible say about stinginess (wanting to keep, and not share, what you do have)?

“There is that scattereth, and yet increaseth; and [there is] that ______________________ more than is meet, but [it ______________ to ______________. The ______________ soul shall be made ______: and he that ________________ shall be ______________ also himself.” Proverbs 11:24-25

6) While the world teaches that happiness and contentment can be found in wealth and riches, where does God say true contentment can be found? _______________________

“But __________________ with ______________________ is great ________. For we brought _______________________ [this] world, [and it is] certain we can carry ______________________. And having food and raiment let us be therewith ______________.” 1 Timothy 6:6-8

“The ________________ of the ________, it maketh ________, and he addeth _____

____________ with it.” Proverbs 10:22

“Thus saith the LORD, Let not the wise [man] glory in his wisdom, neither let the mighty [man] glory in his might, let not the ________ [man] __________ in his ____________: But let him that glorieth __________________________, that he understandeth and ____________________, that I [am] the LORD which exercise lovingkindness, judgment, and righteousness, in the earth: for in these [things] I delight, saith the LORD.” Jeremiah 9:23-24

7) What is “the root (or cause, or beginning place) of all evil”? _____________________

“But they that will be rich fall into ____________________ and a __________, and [into] many foolish and hurtful lusts, which drown men in destruction and perdition. For the ___________________________ is the ________________________________: which while some coveted after, they have ____________ from the __________, and pierced themselves through with many ______________.” 1 Timothy 6:9-10

8) From what should the man of God flee? _____________________________________

“Perverse disputings of men of corrupt minds, and destitute of the truth, supposing that gain is godliness: from such ________________ thyself…. But thou, O man of God, ________________________________; and follow after righteousness, godliness, faith, love, patience, meekness…. Charge them that are rich in this world, that they be not highminded, nor trust in _______________________________, but in the ____________ ______, who giveth us richly all things to enjoy;” 1 Timothy 6:5, 11, 17

“No man can serve ______________________: for either he will ________ the one, and ________ the other; or else he will hold to the one, and despise the other. Ye cannot serve ______ and ____________.” Matthew 6:24

9) What should we then seek to be rich in, and where should we lay up our treasure?

______________________________________________________________________

“That they do good, that they be rich in ____________________, ready to distribute, willing to communicate; Laying up in store for themselves a ___________________ ____________________ against the time to come, that they may lay hold on ________________________.” 1 Timothy 6:18-19

“Sell that ye have, and give alms; provide yourselves bags which wax not old, a ________________ in the ______________ that faileth not, where no thief approacheth, neither moth corrupteth. For where your ________________ is, there will your __________ be also.” Luke 12:33-34

“Lay not up for yourselves __________________ upon __________, where moth and rust doth ______________, and where thieves break through and __________: But lay up for yourselves __________________ in ____________, where neither moth nor rust doth corrupt, and where thieves do not break through nor steal: For where your ________________ is, there will your __________ be also.” Matthew 6:19-21

“Hearken, my beloved brethren, Hath not God chosen the ________ of this __________ ________ in __________, and heirs of the kingdom which he hath promised to them that love him?” James 2:5

“There is that maketh himself ________, yet [hath] ______________: [there is] that maketh himself ________, yet [hath] ________________________.” Proverbs 13:7

10) What does the Bible say about tithes and offerings? Give a simple definition of each: tithe____________________________________________________________________

Offerings________________________________________________________________

“And all the __________ of the land, [whether] of the seed of the land, [or] of the fruit of the tree, [is] the LORD'S: [it is] ____________________________________…. And concerning the tithe of the herd, or of the flock, [even] of whatsoever passeth under the rod, the tenth shall be holy unto the LORD.” Leviticus 27:30, 32

“____________ the LORD with thy __________________, and with the firstfruits of all thine ________________: So shall thy barns be filled with plenty, and thy presses shall burst out with new wine.” Proverbs 3:9-10

“Will a man rob God? Yet ye have ____________ me. But ye say, Wherein have we robbed thee? In ____________ and __________________. Ye [are] cursed with a __________: for ye have robbed me, [even] this whole nation. Bring ye ______ the tithes into the storehouse, that there may be meat in mine house, and __________ me now herewith, saith the LORD of hosts, if I will not open you the ______________ of ____________, and pour you out a ________________, that [there shall] not [be room] enough [to receive it]. And I will ____________ the ________________ for your sakes, and he 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.” Malachi 3:8-11

“I have showed you all things, how that so labouring ye ought to support the weak, and to remember the words of the Lord Jesus, how he said, It is more ______________ to ________ than to ______________.” Acts 20:35

“Every man [shall give] as he is ________, according to the ________________ of the LORD thy God which he hath given thee.” Deuteronomy 16:17

The Bible principle of tithes (10% of our increase) and offerings (given as we are able) for the support of the gospel ministry is an acknowledgment of God’s ownership in our lives, and of our position as His stewards.

11) What is the tithe to be used for, and who are we not to support with the tithe?

for_____________________________________________________________________not for__________________________________________________________________

“Do ye not know that they which ________________ about holy things ________ [of the things] of the temple? and they which wait at the altar are partakers with the altar? Even so hath the __________________________ that they which ____________ the ____________ should ________ of the ____________.” 1 Corinthians 9:13-14

“If there come any unto you, and bring not this ________________, ______________ him ______ into [your] house, ______________________ him __________________: For he that biddeth him God speed (by supporting with our money) is ________________ of his ____________________.” 2 John 10-11

“I have had special instruction from the Lord that the tithe is for a special purpose, consecrated to God to sustain those who minister in the sacred work, as the Lord's chosen to do His work not only in sermonizing, but in ministering.” 1MR 187

“A very plain, definite message has been given to me for our people. I am bidden to tell them that they are making a mistake in applying the tithe to various objects which, though good in themselves, are not the object to which the Lord has said that the tithe should be applied. Those who make this use of the tithe are departing from the Lord's arrangement. God will judge for these things. One reasons that the tithe may be applied to school purposes. Still others reason that canvassers and colporteurs should be supported from the tithe. But a great mistake is made when the tithe is drawn from the object for which it is to be used--the support of the ministers. There should be today in the field one hundred well qualified laborers where now there is but one.” 9T 248, 249

It is your God-given responsibility to know, not just assume, where your tithe money is going, and to be sure that it is being used for the only purpose God intended it. If it is not being used for that purpose, it is your duty to send it where it will be.

“As there are woes for those who preach the truth while they are unsanctified in heart and life, so there are woes for those who receive and maintain the unsanctified in the position which they cannot fill.” 2T 552

“The churches must arouse. The members must awake out of sleep and begin to inquire, How is the money which we put into the treasury being used? The Lord desires that a close search be made. Are all satisfied with the history of the work for the past fifteen years? Where is the evidence of the co-working with God? Where has been heard throughout the churches the prayer for the help of the Holy Spirit? Dissatisfied and disheartened, we turn away from the scene.” Kress Collection 120

12) What does the Bible say about those who pride themselves on their faithful paying of tithe, while they neglect obedience to other important Bible truths?

“________________________, scribes and Pharisees, ____________________! for ye __________________ of mint and anise and cummin, and have ______________ the ___________________________________ of the law, judgment, mercy, and faith: these ought ye to have ________, and not to leave the other ____________.” Matthew 23:23

13) What attitude should we have when we give money to the cause of God?

_________________________________________

“But this [I say], He which ________________________________ shall ________ also sparingly; and he which ____________________________________ shall ________ also bountifully. Every man according as he purposeth in his heart, [so let him give]; ____________________________, or of __________________: for God loveth a ____________________________.” 2 Corinthians 9:6-7

“For if there be first a ________________________, [it is] accepted according to that a man hath, [and] not according to that he hath not.” 2 Corinthians 8:12

“__________________ that ye do not your alms before men, to be seen of them: otherwise ye have __________________ of your Father which is in heaven…. But when thou doest alms, let not thy left hand know what thy right hand doeth: That thine alms may be in ____________: and thy Father which seeth in secret himself shall reward thee ____________.” Matthew 6:1, 3-4

God wants us to give cheerfully and willingly, not grudgingly. He also wants us to give humbly, for His glory; not for our own glory, hoping others notice how generous we’ve been.

14) What kind of work habits should we have, and how will they help keep us from poverty? ________________________________________________________________

________________________________________________________________________

“He that ______________ his land shall have ____________ of bread: but he that followeth after ________ [persons] shall have ______________ enough.”

Proverbs 28:19

“The ________________ will not plow by reason of the cold; [therefore] shall he ______ in harvest, and [have] ______________.” Proverbs 20:4

“Go to the ______, thou ________________; ________________ her ways, and be ________: Which having no guide, overseer, or ruler, Provideth her meat in the summer, [and] gathereth her food in the harvest. How long wilt thou sleep, O sluggard? when wilt thou arise out of thy sleep? [Yet] a little sleep, a little slumber, a little folding of the hands to sleep: So shall thy ______________ come as one that travelleth, and thy ________ as an armed man.” Proverbs 6:6-11

“Not ________________ in business; ______________ in spirit; serving the Lord;” Romans 12:11

“Seest thou a man ________________ in his business? he shall __________ before kings; he shall not stand before mean [men].” Proverbs 22:29

Working with our hands is a blessing, especially so when we are able to work outdoors, surrounded by God’s creation. The Bible promises us that if we put effort into diligently working our gardens, we will be rewarded with food to eat, and while we may live very simply, we will not come to poverty.

15) What does the Bible warn us about “get-rich-quick” schemes?

“He that ______________ to be ________ [hath] an evil eye, and considereth not that ______________ shall come upon him.” Proverbs 28:22

16) How important is honesty and fair treatment of others in God’s sight?

“Recompense to no man evil for evil. ______________ things ____________ in the sight of all men.” Romans 12:17

“Better [is] a ___________ with __________________________ than __________ ________________ without __________.” Proverbs 16:8

“He that ____________________ the poor to ________________ his [riches, and] he that giveth to the rich, [shall] surely [come] to ________.” Proverbs 22:16

17) How are we to treat those who work for us, our employees?

“Behold, the __________________________________________ who have reaped down your fields, which is of you __________________ by fraud, crieth: and the __________ of them which have reaped are entered into the ears of the ________ of sabaoth.”

James 5:4

“And I will come near to you to judgment; and I will be a swift witness against the sorcerers, and against the adulterers, and against false swearers, and against those that ________________________________________ in [his] __________, the widow, and the fatherless, and that turn aside the stranger [from his right], and fear not me, saith the LORD of hosts.” Malachi 3:5

“For the scripture saith, Thou shalt not muzzle the ox that treadeth out the corn. And, The ________________ [is] ____________ of his ____________.” 1 Timothy 5:18

18) What principle does the Bible give us to guide us in forming business or other monetary alliances (such as holding stocks and bonds)?

“Be ye not ______________________________ together with unbelievers: for what fellowship hath righteousness with unrighteousness? and what communion hath light with darkness?” 2 Corinthians 6:14

“There is hurry and excitement. Men feverishly invest their capital of money in bonds and stocks, become wealthy in a day, and yet are unsatisfied. They continue to invest with insane expectancy. The bank stock goes down, the millionaire in the morning is a beggar at night and the way they think best to end the matter is with pistol, rope, or the waters of the bay. Money is a blessing when those who use it consider that they are the Lord's stewards, that they are handling the Lord's capital, and must one day give account of their stewardship. It is the love of money which the Bible condemns as the root of all evil--such love that when a man loses money the precious life God has given him is made of no account because money is gone.” TDG 280

“Young men and women should regard a good character as a capital of more value than gold or silver or stocks. It will be unaffected by panics and failures, and will bring rich returns when earthly possessions shall be swept away.” 4T 655

“But of what value is untold wealth if it is hoarded in expensive mansions or in bank stocks? What do these weigh in comparison with the salvation of one soul for whom the Son of the infinite God has died?” 6T 453

“Now we call upon all who will, to help us in the work. Of what use is it to lay up worldly treasure? Read the words of the apostle James, "Go to now, ye rich men, weep and howl for your misery which shall come upon you. Your riches are corrupted, and your garments are moth-eaten. 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." We certainly do not want to be of the class who have heaped together treasure for the last days, to eat our flesh as it were fire. In that fearful time all men will understand their misuse of God's money. Those who have squandered His gifts will see how their means has been buried up in banks and stocks and mines and other enterprises where it could be of no benefit to the cause of God. They will see how their money might have been used to advance the cause of God and win souls for Him, and how through their misapplication of God's talent they have suffered eternal loss.”

AUCR, January 1, 1900 par. 18

We are to avoid being engaged in any questionable business practices or partnerships, such as would hinder us in our Christian testimony and service, or would be a means of leading us or our family into evil associations or unscriptural practices. We cannot yoke up with the world through such things as purchasing stocks and bonds, which tie up the Lord’s money and risk its being lost when the economy takes a downturn.

19) Should Christians hold life insurance policies or not? YES / NO

“[It is] better to __________ in the ________ than to put ____________________ in ______.” Psalms 118:8

“______ to the rebellious children, saith the LORD, that ________________________, but __________________; and that __________ with a covering, but not of my spirit, that they may add sin to sin:” Isaiah 30:1

“Thus saith the LORD; ____________ [be] the man that ________________ in ______, and maketh __________ his arm, and whose heart __________________ from the ________.” Jeremiah 17:5

“Therefore I say unto you, Take no ______________ for your ________, what ye shall eat, or what ye shall drink; nor yet for your body, what ye shall put on. Is not the life more than meat, and the body than raiment? Behold the fowls of the air: for they sow not, neither do they reap, nor gather into barns; yet your heavenly Father feedeth them. Are ye not ______________________ than they?… 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 ____________________________ that ye have need of all these things. But ________ ye __________ the kingdom of ______, and his righteousness; and _________________________________ shall be __________ unto you. Take therefore no thought for the ____________: for the morrow shall take thought for the things of itself. ____________________ unto the ______ [is] the ________ thereof.” Matthew 6:25-26, 31-34

“I was shown that Sabbathkeeping Adventists should not engage in life insurance. This is a commerce with the world which God does not approve. Those who engage in this enterprise are uniting with the world, while God calls His people to come out from among them and to be separate…. Life insurance is a worldly policy which leads our brethren who engage in it to depart from the simplicity and purity of the gospel. Every such departure weakens our faith and lessens our spirituality…. God has made provision for His people. He has a special care for them, and they should not distrust His providence by engaging in a policy with the world. God designs that we should preserve in simplicity and holiness our peculiarity as a people…. Those whom God has made His stewards have no right to place in the enemy's ranks the means which He has entrusted to them to use in His cause.” 1T 549, 550

We believe that holding a life insurance policy is inconsistent with filial trust in the providence and care of our heavenly Father, as well as a waste of the Lord’s money; and that where genuine material need exists among brethren due to a death in the family, it is better for the church to offer assistance to her members wherever possible, than to rely on worldly organizations for help.

20) Does the Bible teach us that we ought to pay our taxes? YES / NO

“For this cause ____________________________ also: for they are God's ministers, attending continually upon this very thing. ____________ therefore to ______ their ________: ______________ to whom tribute [is due]; custom to whom custom; fear to whom fear; honour to whom honour.” Romans 13:6-7

“Then saith he unto them, ____________ therefore unto ____________ the things which are ________________; and unto ______ the things that are __________.” Matthew 22:21

We are to cooperate with the laws of the land wherever they do not conflict with the laws of God; and this means that we will pay our taxes faithfully, not cheating or covering the facts to get out of paying the honest amount.

21) How important is it to replace wasteful, spendthrift habits with habits of economy?

___________________________________________________

“Now therefore thus saith the LORD of hosts; Consider your ways. Ye have __________________, and ______________________________; ye eat, but ye have not enough; ye drink, but ye are not filled with drink; ye clothe you, but there is none warm; and he that earneth wages __________________________ [to put it] into a ______ with __________.” Haggai 1:5-6

“We should ever remember that in the judgment we must meet the record of the way we use God's money. Much is spent in self-pleasing, self-gratification, that does us no real good, but positive injury. If we realize that God is the giver of all good things, that the money is His, then we shall exercise wisdom in its expenditure, conforming to His holy will. “ AH 368

“Money is a constant test of the affections. Whoever acquires more than sufficient for his real needs should seek wisdom and grace to know his own heart and to keep his heart diligently, lest he have imaginary wants and become an unfaithful steward, using with prodigality his Lord's entrusted capital. When we love God supremely, temporal things will occupy their right place in our affections.” AH 372

“You can and should make determined efforts to bring under control your disposition to spend means beyond your income.” AH 393

“I wish I could impress on every mind the grievous sinfulness of wasting the Lord's money on fancied wants. The expenditure of sums that look small may start a train of circumstances that will reach into eternity. When the judgment shall sit, and the books are opened, the losing side will be presented to your view--the good that you might have done with the accumulated mites and the larger sums that were used for wholly selfish purposes.” AH 383

“ Church-members…should practice self-denial and economy,…. We are pilgrims and strangers, seeking a better country, and every soul should make a covenant with God by sacrifice. The time for saving souls is short, and whatever is not needed in supplying positive necessities, should be brought as a thank-offering to God.” GW 454

All our money and all we own belongs to God, and is simply lent to us. We are responsible to use it wisely. Therefore, if we are spending the Lord’s money on unnecessary things, we are really robbing from God. We must learn to buy only what supplies genuine needs; not mere wants; and learn to restrain ourselves from spending money needlessly - even little bits here and there add up very quickly. You might find it helpful to follow the rule not to buy anything unless you have had it on your shopping list at least a week, and still need it. Ask yourself honestly, “Did I really need that stylish dress I just bought, or the sporty truck, or the new digital camera? Was it necessary to eat out five days last week, or to buy that ticket for the ballgame?” Don’t fall into the trap of materialism - thinking that money and possessions brings happiness. Don’t try to compete with wealthy neighbors, friends, or relatives; but be content to live simply, and learn to enjoy the things that don’t cost anything - a walk in nature, family time, sharing with someone in need, etc. Experience the joy and blessing of giving your extra to the cause of God rather than spending it on yourself. Some may say, “I buy a lot, but only what’s on sale or a good deal. Isn’t that just good buying sense?” But it’s never good saving sense to buy things you don’t really need or could do fine without, just because they’re a good price; it’s still money lost. What you end up with is a house full of things you don’t need and will likely never use, or else you start throwing away things that aren’t worn out yet to make room for the things you’ve just bought. It does take a commitment and help from God to learn to practice self-denial and self control in your spending. It may even require hard steps like getting rid of your credit card, or limiting your shopping trips to once a month, but you will be thankful in the long run if you do whatever it takes.

22) How important is it to get out and stay out of debt? ___________________________

“______ no man __________________,” Romans 13:8

“The rich ruleth over the poor, and the ________________ [is] ______________ to the ____________.” Proverbs 22:7

“The wicked __________________, and ____________________ again: but the righteous showeth mercy, and giveth.” Psalms 37:21

“Be determined never to incur another debt. Deny yourself a thousand things rather than run in debt. This has been the curse of your life, getting into debt. Avoid it as you would the smallpox. Make a solemn covenant with God that by His blessing you will pay your debts and then owe no man anything if you live on porridge and bread…. Take care of the pennies, and the dollars will take care of themselves. It is the mites here and the mites there that are spent for this, that, and the other that soon run up into dollars…. Deny your taste, deny the indulgence of appetite, save your pence, and pay your debts. Work them off as fast as possible. When you can stand forth a free man again, owing no man anything (Romans 13:8), you will have achieved a great victory.” AH 393, 394

If you will follow the principles of simplicity, self-denial, and economy we looked at in question #20, you will be able to get out and stay out of debt. But some may say, “I’m already in debt way over my head. It would take years or a lifetime to get out of it.” Still, it is far better to start working earnestly toward the goal of getting out of your debts than to give up and not try. As we are told in the Spirit of prophecy, it is better to live on porridge and bread than to remain in debt any longer than absolutely necessary.

One other very important key to staying out of debt is to regularly set aside some savings so that you will have a buffer to fall back on in case an emergency comes up or you have to make an unexpected expense (a tire goes flat, the plumbing system springs a leak, etc.). you should also figure your yearly property and income taxes in, as well as other regular expenses such as car insurance and registration, and utility bills, into the amount you want to set aside in savings. If you do this, you should never be caught without enough money to pay a bill or buy basic necessities. Lastly, you may find it helpful to set up a simple budget of how much money you can spend on each category (tithe, offering, savings, car insurance, gas, food, etc.) each month; and then be sure to keep a ledger along with it, and record every income and expense you make, so you can add it up at the end of the month and see how well you’re sticking to your budget. These are basic financial principles that will be helpful to any family.

23) As Christians, should we be responsible for, and take good care of things we borrow from others (even from our family or friends)? YES / NO

“If fire break out, and catch in thorns, so that the stacks of corn, or the standing corn, or the field, be consumed [therewith]; he that kindled the fire shall ____________ make ______________________….And if a man ____________ [ought] of his neighbour, and it be hurt, or die, the owner thereof [being] not with it, he shall surely _______________

______.” Exodus 22:6, 14

24) As we come to the close of this lesson, has the Lord spoken to your heart through the things we have studied here, and perhaps brought conviction to you of any areas where you could better manage your finances His way? Would you make the commitment right now to be a faithful steward and, by the grace of God, follow His financial principles in your life? _______________________________________________________________

________________________________________________________________________