BIBLICAL STEWARDSHIP

FOUNDATION

Written by: Edmund Liah

Presented by: Jibill Simbah

 BIBLICAL COUNSEL:

“Moreover it is required in
stewards that one be found
faithful.”
(1 Corinthians 4:2 NKJV)

Stewardship Principle:
Faithfulness is the success
secret of every of every
Christian steward.
10 GOOD RULES FOR BEING A
FAITHFUL STEWARD FOR
PERSONAL FINANCE
[Link] frugality/thrifty
[Link] absolutely honest
[Link] bills promptly
[Link] wisely—but not
selfishly
[Link] debt
[Link] sidelines
10 GOOD RULES FOR BEING A
FAITHFUL STEWARD FOR
PERSONAL FINANCE

[Link] borrow from

members
[Link]’t seek gifts from
members
[Link] an exemplary giver
[Link] a little
You have succeeded in life when all you really want is only what you really need. Vernon Howard
You have succeeded in life when all you really want is only what you really need. Vernon Howa
10 GOOD RULES FOR BEING A
FAITHFUL STEWARD FOR PERSONAL
FINANCE
[Link] frugality
Pastors are not highly paid. So
the pastors’ families need to
learn to enjoy frugality and
simplicity
Learn to be content.
“Give me neither poverty nor
riches” (Proverbs 30:8)
You have succeeded in life when all you really want is only what you really need. Vernon Howard
You have succeeded in life when all you really want is only what you really need. Vernon Howa
10 GOOD RULES FOR BEING A
FAITHFUL STEWARD FOR PERSONAL
FINANCE
[Link] frugality

“You have succeeded in life when all

you really want is all what you really
need.” Vernon Howard
 10 GOOD RULES FOR BEING A
FAITHFUL STEWARD FOR PERSONAL
FINANCE
“Health is the greatest gift, contentment the
greatest wealth, faithfulness the best
relationship.” Buddha
“Frugality is founded on the principal that all
riches have limits.” Edmund Burke
“Wealth can only be accumulated by the
earnings of industry and the savings of
frugality.” – John Tyler
10 GOOD RULES FOR BEING A
FAITHFUL STEWARD FOR PERSONAL
FINANCE
Live on the economic level of the
congregation as a whole.
Why?
 10 GOOD RULES FOR BEING A
FAITHFUL STEWARD FOR PERSONAL
FINANCE
1. Enjoy frugality

o Learn to live within the income

Know the different between your
wants and needs.
Proton Saga vs. Jaguar
Kancil vs. Trooper
House vs. Luxury Condominium
10 GOOD RULES FOR BEING A
FAITHFUL STEWARD FOR PERSONAL
FINANCE
Pastor’s wife testimony of living on his
salary
“My husband’s salary isn’t what it should
be, but I will not let this rob my
contentment. I guard my attitude toward
things and finances carefully, spend
wisely, and consider the blessing I enjoy
from being a pastor’s wife as unlimited
riches. My attitude toward my husband’s
salary can make me lot in life a blessing or
10 GOOD RULES FOR BEING A
FAITHFUL STEWARD FOR PERSONAL
FINANCE
2. Be absolutely honest

“Honesty and loyalty are key. If two

people can be honest with each other
about everything, that's probably the
biggest key to success.”
Taylor Lautner

“Honesty is the best policy” – Benjamin

Franklin
10 GOOD RULES FOR BEING A
FAITHFUL STEWARD FOR PERSONAL
FINANCE
2. Be absolutely honest

“Confidence... thrives on honesty, on

honor, on the sacredness of obligations,
on faithful protection and on unselfish
performance. Without them it cannot live.”
Franklin C. Roosevelt

o Never take advantages of church

members unto your care.
10 GOOD RULES FOR BEING A
FAITHFUL STEWARD FOR PERSONAL
FINANCE
3. Pay bills promptly
You shall give him his wages on the same
day, before the sun sets (for he is poor
and counts on it), lest he cry against you
to the Lord, and you be guilty of sin.
(Deut. 24:15)
o Your reputation depends on prompt
payment of bills.
o Pay any indebtedness to mission
10 GOOD RULES FOR BEING A
FAITHFUL STEWARD FOR PERSONAL
FINANCE
4. Shop wisely—but not selfishly
Never be a discount specialist
Simple tips on shopping
o See what you’re spending most
o Shop around
o Watch out for “special offers”
o Always compare prices
o Use outlet stores
10 GOOD RULES FOR BEING A
FAITHFUL STEWARD FOR PERSONAL
FINANCE
5. Shun debt
“Let them guard themselves as with a
fence of barbed wire against the
inclination to go into debt.” 5T:235,
236.
What can be added to the happiness of a
man who is in health, out of debt, and has
a clear conscience?” Adam Smith
10 GOOD RULES FOR BEING A
FAITHFUL STEWARD FOR PERSONAL
FINANCE
5. Shun debt
“A man who has no money to pay his debts
has too much of something else.”
-James Lendall Basford
 10 GOOD RULES FOR BEING A
FAITHFUL STEWARD FOR PERSONAL
FINANCE
[Link] debt
Beware of credit card. It is a
blessing only if you are able to pay
the bill before interest is added.
Have adequate insurance
Beware of buying life insurance
schemes with the hope that you or
your heirs will become wealthy.
10 GOOD RULES FOR BEING A
FAITHFUL STEWARD FOR PERSONAL
FINANCE
[Link] debt
Borrow as little as possible, at the
lowest rate you can find, for the
shortest period of time you can
afford.
Live on a budget, even if it is
loosely structured one. A budget
teaches you self-discipline in
financial matter.
Gems to think on before getting
into debts:
oHe who promises runs in debt.” - The
Talmud
o“It is poor judgment to countersign another’s
note, to become responsible for his debts.” –
Bible
o“Before borrowing money from a friend,
decide which you need most.” - American
Proverb
Gems to think on before getting
into debts:
o“Running into debt isn’t so bad. It’s running
into creditors that hurts.” – Unknown
o“The borrower is servant to the lender.” - The
Bible
oNever spend your money before you have
it.”
-Thomas Jefferson
6. Avoid side-lines

oMinisters are responsible for living with

the wage so they can devote their full
energy to their ministry.

“The ministers who are wholly

consecrated to God refuses to engage
in business that would hinder him from
giving himself fully to his sacred
7. Never borrow from members
o Borrowing from members tends to
lead to one of two problems
• An eventual misunderstanding
and strained relationship with
the lender
• Favoritism toward the one to
whom you’re indebted.
 10 GOOD RULES FOR BEING A FAITHFUL
STEWARD FOR PERSONAL FINANCE
[Link]’t seek gifts from members
 Playing on the sympathies of your
members to your financial advantage is
unfair to the members and belittling of
your calling.
o Caused unnecessary pressure on
members
o Loss of respect
o Give the ministry bad image to the
prospective workers
10 GOOD RULES FOR BEING A FAITHFUL
STEWARD FOR PERSONAL FINANCE
[Link] an exemplary giver
No minister who does not return a
faithful tithe should be employed
Give offerings generously
Don’t ask people to sacrifice for the
church more than you do
10 GOOD RULES FOR BEING A FAITHFUL
STEWARD FOR PERSONAL FINANCE
[Link] an exemplary giver
“If nature has made you for a giver, your hands are
born open, and so is your heart; and though there
may be times when your hands are empty, your
heart is always full, and you can give things out of
that--warm things, kind things, sweet things--help
and comfort and laughter--and sometimes gay,
kind laughter is the best help of all.”
Frances Hodgson Burnett – A Little Princess
10 GOOD RULES FOR BEING A FAITHFUL
STEWARD FOR PERSONAL FINANCE
[Link] an exemplary giver
“I must be willing to give whatever it takes to
do good to others. This requires that I be
willing to give until it hurts. Otherwise, there
is no true love in me, and I bring injustice,
not peace, to those around me.”
Mother Teresa
10 GOOD RULES FOR BEING A FAITHFUL
STEWARD FOR PERSONAL FINANCE

[Link] a little
Plan for the unexpected emergency
repairs, replacement of appliances,
sudden medical expenses.
You need cash for large items,
educating the children, and
preparation for retirement.
10 GOOD RULES FOR BEING A FAITHFUL
STEWARD FOR PERSONAL FINANCE
[Link] a little
Give to God first, then give to
yourself—put something in savings.
The trick is to live just a little
beneath your means.
Save the pay raise money
Philippians 4:19
10 GOOD RULES FOR BEING A FAITHFUL
STEWARD FOR PERSONAL FINANCE
[Link] a little
Put not your trust in money, but put your
money in trust. Oliver Wendell Holmes
A man who both spends and saves money is
the happiest man, because he has both
enjoyments. Samuel Johnson
Tips of saving money

1. Create a Budget
o Know where your money go to
o Spot the problem(s) and deal with it
o Spend base on the budget
• Cutting expenses
• Avoid impulse buying
• Do spend the money you do not
Tips of saving money

2. Pay Yourself First

o Treat saving like a bill that you
have to pay
o Automatic deduction
o Provident fund (EPF/CPF)
o Insurance
o Retirement
Tips of saving money

3. Spend Less Than You Earn

o Avoid spending on credit
o Stay with the budget