Archives For stewardship

On the About page, I state that Provident Planning is dedicated to exploring God’s Provident Plan for the personal finances of Christians. But what does that mean? What is God’s Provident Plan? It’s God’s clear Biblical message that through contentment in Christ, diligent work, and good stewardship Christians can prosper so we can give generously in the name of Christ. By following the Provident Plan, Christians can glorify God through their finances.

This message is what I discovered as I have studied personal finance in the Bible. As a Christian and someone who studied financial planning in college, I wanted to know how I could give sound, Biblical advice, but I found so many conflicting opinions that I felt I should find out for myself. After searching for all the Bible verses I could find about personal finance, I began to see God’s wonderful plan for a Christian’s personal finances.

It’s not a plan focused on making Christians rich, or how we can retire early, or the things we can do to make us feel good about ourselves or our money. No – just like every other part of God’s plans for Christians it brings glory to His name and strengthens the witness of Christ in the world. If all Christians followed God’s Provident Plan for their finances, we would radically change the Church and the world. And while it involves how we handle our money – it’s all dependent and focused on the transformation that occurs when we fully give ourselves to Christ and realize the power of His death, resurrection, and the life we have in Him. Let’s take a closer look at each part of God’s Provident Plan.

Contentment in Christ

Once we have decided to follow Jesus, He becomes everything to us. We are in a continual struggle against Satan to keep other things (especially money) from taking the place of Christ. When we find contentment in Christ and Christ alone, the importance of money in our lives diminishes and pales to the value we place on Jesus. We learn the secret to being happy in all situations – whether we’re full or starving, rich or poor, employed or jobless, single or married – nothing in this life matters at all when compared to the glorious gift of Jesus and the fact that no one and no circumstance can take that away from us. We see everything in light of eternity, and we find that nothing on earth is of more value than our faith in Christ. We come to fully believe and trust that God cares for us and will provide everything we need.

Once we have this habit of always finding our contentment in Christ, the Spirit will teach us to place much less importance on material things. We will no longer be focused solely on our own needs and wants – an early retirement, a bigger house, a nicer car, and so on. Instead, we’ll be consumed with a desire to focus on the needs of others – to feed the hungry, clothe the naked, shelter the homeless, and show God’s love to the world through our faith and our deeds. We’ll spend less and less on ourselves as we give more and more to others.

You can read more about contentment in the Bible here or by downloading a free copy of Contentment Is Wealth.

Diligent Work

Where contentment helps us to spend less on ourselves, understanding God’s call to work diligently helps us earn more money. As the gap between our spending and our income grows, we are left with more to manage wisely, prosper, and then give generously to the needs of others. The attitude and spirit we have as we approach our work can also glorify and honor God’s name. His witness can be seen in how we deal with people in our businesses and our motivation in our work.

You can read more about hard work in the Bible here.

Good Stewardship

While the Bible says little about financial planning as we know it today, God has shown us the value of using wisdom and prudence in managing our affairs. There are verses that speak to planning ahead, saving, avoiding debt, and other practical matters we will encounter in our personal finances. By wisely managing the blessings God provides (that gap between our income and our spending), we can be good stewards and have even more to give in His name.


As we follow God’s teaching on contentment, diligent work, and good stewardship, He will bless and prosper us. When we think about prosperity our focus needs to be on having God’s view of prosperity and its purpose. Prosperity can come in many other ways than just material blessings, and God wants us to use our prosperity to honor Him – not just make ourselves more comfortable. When God prospers us, it’s so we can further glorify Him as we give more and more to those in need.


Giving is the purpose of God’s Provident Plan. All other aspects of His Provident Plan are a means to this end. Through our contentment in Christ, we spend less so we have more to give. Our hard work provides more income so we will have more to give. Through good stewardship we avoid wasting what God has given us so we will have more to give. Our prosperity comes from God not so we can make ourselves richer but so we can give even more. God’s Provident Plan is completely focused on others – on how we can glorify God by laying down our lives and our wants for the needs of others. We live simply so others can simply live.

At the same time, we’ll realize that God’s Provident Plan gives much to us as well. Peace beyond understanding, joy beyond description, and happiness beyond compare are all ours as we trust ourselves to God’s care. When we first begin following God’s Provident Plan, we hardly realize the potential benefits it will have for our own lives because we were still mired in the views of the world. But as we follow Jesus and see that He is trustworthy and faithful, we become aware of the indestructible treasures in heaven that He has taught us to accumulate.

When we fully grasp God’s Provident Plan, we’ll see that giving in the New Covenant has nothing to do with tithing or percentages. It’s not about requirements, rules, obligations, or blessings or curses. Our giving is to be completely motivated by love – joyous and cheerful as we realize that our sacrifice is not loss but gain in Christ. We give freely, generously, and sacrificially not out of compulsion but out of our joy and contentment in Christ. Such giving is a sign of our total commitment to Christ and His teaching, and it’s a very powerful witness to the world.

Following God’s Provident Plan

Following God’s Provident Plan for our personal finances has huge implications for our lives. It goes against every motive the world gives us for why we should manage our finances well. Instead of focusing on what’s in it for us, we look at what’s in it for God and others. But we know that the rewards God has for us far outweigh the deceitful and false promises of worldly riches. If you feel God calling you to follow His Provident Plan for your finances, please browse around the website and sign up for free updates through email or your favorite feed reader!

       This post is a short summary of the Personal Finance Bible Study on work. It contains links to all of the articles in this study. You can also read Bible verses about work here.

Called to Work

       Made to Work
       Called to Work

       In the first part of this Bible study, we looked at how God has created and called Christians to work hard. We also looked at how our work can glorify God.

The Value of Hard Work

       Providing for Our Needs
       Bringing Honor to God
       Gaining Wealth to Honor God

       Next, we looked at some of the benefits of pursuing God’s call to work hard. There are tangible benefits to hard work, and God desires to bless us with these benefits when we follow His teaching on work.

The Dangers of Too Much Rest and Laziness

       Laziness Brings Poverty
       Laziness Brings Dishonor
       Laziness Brings Difficulty

       Then we looked at the dangers of not following God’s call to work hard and instead pursuing rest, leisure, and laziness. God wants to protect us from these dangers, and that’s part of the reason He calls us to work hard.

Our Need for Rest

       God Wants Us to Rest
       We Need to Rest

       In following God’s call to work hard, we must not forget our need for rest. God wants us to rest because He knows we need it. We will do our best work for Him when we balance diligence and a strong work ethic with the prudence to know when to take our rest.

God’s Business Values and Ethics

       Be Fair & Just to All
       Keep Your Integrity
       Be Mindful of the Poor
       Be a Good Steward
       Don’t Use the Church for Business

       Finally, we looked at God’s business values and ethics as He teaches in the Bible. How should we conduct our business and work so we can best glorify Him? As the Spirit works through us, we will naturally follow God’s will in our work. But identifying these values can help us better serve God as we grow in our walk with Him.

       Thank you for reading this Bible study on work. Feel free to use it in your church or Bible study group. If you have any questions or suggestions, please leave me a comment!

       Another way we can honor God through our work is by being good stewards. This applies to our personal finances as well, so we’ll be looking at it in more depth when we talk about stewardship. However, the concept of stewardship has strong implications for our work lives as well – whether self-employed or working for someone else.

Pay Attention!

       Proverbs provides good advice for any person involved in business, but especially those involved in managing or overseeing the operations:

       23 Know well the state of your flocks, and pay attention to your herds: 24 for riches are not forever, nor does even the crown endure to all generations.

Proverbs 27:23-24 (WEB)

       A good manager knows the condition of every aspect of the business he manages. Whether it’s your own business or someone else’s, you should be careful to pay attention to what’s going on. Being a good steward doesn’t mean you do just enough to get by. A good steward looks to maximize whatever has been put under his care – he wants to return it to his superior in a better condition than he found it. Being especially careful with things that belong to others in addition to our own things provides a strong witness that we care about the person those things belong to.

Be Faithful in All Things

       Jesus challenged us to be faithful in all things whether great or small. His teaching can apply to our business lives, our personal lives, and most definitely our spiritual lives.

       10 He who is faithful in a very little is faithful also in much. He who is dishonest in a very little is also dishonest in much. 11 If therefore you have not been faithful in the unrighteous mammon (money), who will commit to your trust the true riches? 12 If you have not been faithful in that which is another’s, who will give you that which is your own?

Luke 16:10-12 (WEB)

       In anything that is assigned to us, we should be honest and faithful regardless of how unimportant it may seem. We build trust with others by first proving ourselves trustworthy with small and seemingly insignificant things. Then we begin to build a stronger relationship and deeper trust as bigger and more important responsibilities are given to us. While those small things do not seem like they matter at first, how we handle them can have huge implications for our future relationships.

       Jesus’ teaching here applies to many different aspects of our lives – not just business – and most specifically it applies to our spiritual lives. Jesus goes on to talk about how we cannot serve both God and money. The way Jesus taught us to handle the money and possessions God has entrusted to us is vastly different from the ways of the world. Jesus teaches us here that if we cannot handle something so unrighteous as money according to His teaching, how can we expect God to give us true riches? We must prove to be faithful in the small things (money) in order to receive the greater things (the true riches of Heaven and eternal life).

       As we continue to examine God’s Provident Plan for our finances, we’ll see that He calls us to approach money and possessions with a mindset the world cannot understand. You see, the financial advice God gives us in the Bible can be applied successfully by anyone. Spend less than you earn, earn more, manage your money well, avoid debt – all of these ideas are good advice for Christians and non-Christians alike. But the results God desires – generous and sacrificial giving – are far different from the worldly views of retiring early, getting the car you’ve always dreamed of, living in a nicer home, traveling the world, or just doing anything you “deserve” because of your hard work and smart decisions. Following God’s plans to achieve His desire requires that you understand His plan and His view of the world and that you have a relationship with His Son, Jesus. You will never understand the idea of following God’s financial principles so you can give generously unless His Spirit lives in you.

       However, the rewards are vastly different as well. Instead of amassing worldly wealth that will pass away and do you absolutely no good when you die, you’ll inherit eternal life and true riches. You’ll take hold of that which is truly life and enjoy God’s creation as He meant you to. You’ll find the contentment in Christ that no one can take away from you. And that’s worth much more than any pile of cash you can put in the bank.

       I’ve gotten away from the main point here, but it’s important to understand what it really means to be a good steward and why we should even worry about how Jesus taught us to handle our finances. God wants us to handle money as if it doesn’t matter. He wants us to use it not to just make ourselves comfortable but to further His Kingdom. And that mindset of living sacrificially will lead us to follow all of His teaching on personal finances naturally. With His Spirit living in us, we will approach our spending and working with His love and understanding. And we’ll glorify Him with all of it.

       Next week we’ll finish up this study on work, and then I’ll put together a summary post for easy reference.

Redefining Riches: Giveaway

November 2, 2010 — 6 Comments

Redefining Riches       My friend Rob Kuban at Dollars and Doctrine has recently released a four lesson Sunday school series called Redefining Riches. It’s a great series and I highly recommend it if you’re interested in studying this at your church or small group. It’s an excellent value at only $3.99 as it includes PowerPoint slides, leader’s guides, handouts, and the right to print as many copies as you need for your group.

       You can see an overview of the main areas it covers in these posts on Provident Planning:

The Redefining Riches Giveaway

       If you’d like to try this series out with your group but aren’t sure about buying it, here’s your chance to win a free copy! Rob has agreed to let me give away one copy of the Redefining Riches Sunday school series. You’ll get the whole package if you win.

       To enter, simply leave a comment at the bottom of the post letting me know you’d like to enter. I’ll randomly select a winner and announce it on this post. I’ll email the package to the winner, so be sure to use a valid email address! You’ve got until 7:00 P.M. EDT on November 3, 2010 to enter.

Redefining Riches       My friend Rob Kuban at Dollars and Doctrine has recently released a four lesson Sunday school series called Redefining Riches. I’ve had the chance to review it and I can tell you it’s an excellent introductory course to the core principles of a Biblical approach to finances. If you’re looking for something related to finances to do in your Sunday school class or small group, I highly recommend this as a starting place. (I’m not getting paid to say this, and I don’t earn anything if you buy it. I just believe Rob’s put together a great resource with a heart for helping people understand Biblical truths about God’s desires for our finances.) It’s only $3.99 for all four lessons, which includes PowerPoint slides, leader’s guides, and handouts. You can print as many copies as you need for your group, so it’s a great deal.

       Today’s post is from the content in the lesson on stewardship, which I’ve reprinted with Rob’s permission. I’m not devaluing Rob’s work because the value of buying Redefining Riches is in having the lessons already prepared for you along with the PowerPoint slides. You’ll get a good idea of the content by reading the excerpts I’ll share, but you’re still missing out on some additional content Rob includes as well as the leader’s guides and handouts.

Stewardship: A Work of Faith

       Stewardship is respectful of God as Creator and King.

“For all things come from You, and from Your hand we have given You…O LORD our God, all this abundance that we have provided to build You a house for Your holy name, it is from Your hand, and all is Yours.” (1 Chronicles 29:14,16)

       When we properly understand God’s ownership of all of His creation, we will view ourselves as managers of the resources with which God has entrusted us. Like the parable of the talents, we will seek to utilize our resources according to our master’s desire. The way we handle our money matters. The volume of scripture regarding money and possessions is profound. When we consider how often the Law, the prophets, Christ and the apostles spoke of such things, we can no longer view the way we handle our money as insignificant. (See Also: Psalm 24:1, Psalm 89:11, Deuteronomy 10:14, Romans 11:36, John 3:27, Matthew 25:14-30)

       Stewardship is revealing of our heart’s true treasure.

       “The good man brings out of his good treasure what is good; and the evil man brings out of his evil treasure what is evil.” (Matthew 12:35)

       “Where your treasure is, there your heart will be also.” (Matthew 6:21)

       The way we handle and acquire money reveals a lot about our character and priorities. Are we generous, honest, selfish, content, humble or greedy? How we obtain our money and where it ends up reveals a lot about what we value. Christ constantly spoke of the impact our internal conditions have on our external acts. The use of money is a perfect example of this principle. (See Also: Proverbs 15:6, Luke 16:10)

       Stewardship is rewarding when done Biblically and wisely.

       “Do not store up for yourselves treasures on earth…But store up for yourselves treasures in heaven.” (Matthew 6:19-20)

       We will give an account for how we have managed and invested such a powerful asset. Are we investing in the kingdom or ourselves? The Bible clearly relates that heavenly reward awaits those who choose to invest in the kingdom of God. We must recognize that money has huge amounts of “potential energy” and we will be accountable for how we utilized and where we invested what God has entrusted to us. (See Also: Luke 12:33-34, Luke 14:12-14, Matthew 19:21, Hebrews 11:6)