When people get into financial difficulty, many believe that declaring bankruptcy will solve their financial problems. Unfortunately, bankruptcy just treats the symptom. Back to Financial Deceptions Bankruptcy Will Solve My Financial Problems By: Tom Copland June 14, 2020 When people get into financial difficulty, many believe that declaring bankruptcy will solve their financial problems. Unfortunately, bankruptcy just treats the symptom. Statistics show that approximately 80 percent of people who go bankrupt, do so again within 10 years. This is generally because the real problem is the violation of God’s financial principles, which often continues even if current debts are eliminated by bankruptcy. The Bible is clear that it is not God’s will for anyone to go bankrupt. “The wicked borrow and do not repay, but the righteous give generously” (Psalm 37:21). In other words, it is a sin to declare bankruptcy. On the other hand, a righteous person pays what is owed (which is implied) and goes “the extra mile” by giving generously even where there is no financial obligation. In addition, it is not a good testimony when a Christian declares bankruptcy. Hence, I believe that it is not God’s will for a Christian to go bankrupt. If you are in financial difficulty, I recommend that you learn and implement God’s financial principles in conjunction with a budget. If you do this, God has promised that he will meet your needs (Matthew 6:31–33), but not necessarily your wants and desires. Since 1982, I have had the privilege of counselling more than 300 Christians who have been in financial difficulty. In those situations where the Christian learned and implemented God’s financial principles, God blessed in unusual ways, and no one declared bankruptcy. If you have declared bankruptcy already, then may I encourage you in several ways. 1. God loves you, and God will forgive the act of bankruptcy if you confess that sin to the Lord: “If we confess our sins, he is faithful and just and will forgive us our sins and purify us from all unrighteousness” (1 John 1:9). 2. In dependence upon the Holy Spirit and God’s wisdom from his Word, ask God to reveal to you the real cause(s) of your bankruptcy. Even Christians can unknowingly violate God’s financial principles. Or it may be an ungodly attitude or mindset about money that you need to change. It is critical that you study and meditate on God’s Word with respect to finances so that you have “the mind of Christ” (1 Corinthians 2:16) in managing the money that God has entrusted you with. Excellent materials can be obtained from Crown Financial Ministries (www.crown.org ). 3. Develop and implement a budget to ensure that you are spending less than you are earning on a monthly basis so that you have a surplus for non-monthly and unexpected expenditures. A budget is simply a tool that can be used in a practical way to do short-term and long-term financial planning. In summary, the deception of this world is that bankruptcy will solve one’s financial problems. Bankruptcy only treats the symptom. Generally, the true cause of the problem is the violation of one or more biblical principles. I recommend that, in dependence on God, you learn and apply God’s financial principles in conjunction with implementing a budget. Previous Article Next Article More Topics The Joseph Principle Read More Co-Signing/Surety Read More Freedom from Financial Anxiety Read More

All of us are responsible to God, regardless of the amount of material wealth that he has entrusted to us. 1 Corinthians 4:2 states, “Now it is required that those who have been given a trust must prove faithful”. Romans 14:12 states, “So then, each of us will give an account of himself to God.” Back to Stewardship Principle God Requires Faithfulness By: Tom Copland June 15, 2020 All of us are responsible to God, regardless of the amount of material wealth that he has entrusted to us. 1 Corinthians 4:2 states, “Now it is required that those who have been given a trust must prove faithful”. Romans 14:12 states, “So then, each of us will give an account of himself to God.” God gives different amounts of money and material wealth to different people. However, individual accountability does not change. Luke 12:48 states, “From everyone who has been given much, much will be demanded; and from the one who has been entrusted with much, much more will be asked”. In short, those who have been entrusted with larger amounts have the greater responsibility than those who have been entrusted with smaller amounts. As a side point, I would like to point out that this does not mean that a Christian who has limited financial resources has necessarily been an unfaithful or unbiblical steward. In the 21st chapter of Luke, we are told of the widow who gave a few copper coins, which, in terms of monetary value, was insignificant. However, Jesus said that she gave more than all the rest, because they gave out of their great abundance, whereas she gave all that she had to live on. The widow, with her limited amount of material wealth, demonstrated biblical stewardship, while others with significant wealth did not. In addition, we can think of certain great men of God whom God decided in his sovereignty not to entrust with large amounts of material wealth. One example is the Apostle Paul. Notwithstanding his limited financial resources. Paul was still a tremendously committed Christian and an excellent steward of what God did entrust him with. In short, it’s really God’s sovereign decision as to how much he is going to entrust to each individual. Low income does not imply unfaithful stewardship. In summary, regardless of the amount of money that you have, God requires faithful stewardship of the resources that he has entrusted to you. Previous Article Next Article More Topics The Joseph Principle Read More Debt Principles Read More Counsel & Wisdom Read More

Learn how to manage your money based on Biblical principles. If you have financial questions, let us know and Tom Copland or one of our trained financial coaches will advise you. Upcoming Radio Interview-provide your financial questions _______________ God has opened another door! On Friday, August 29, 2025 from 11 AM to 12 PM and again from 6 PM to 7 PM , I will be the guest speaker on Life 100.3 Radio [Barrie 100.3, Owen Sound 90.1, Huntsville 98.9, and Peterborough 89.3, all stations are located in Ontario, Canada]. However, the program will be pre-recorded. So we encourage you to email us your questions in advance (no later than August 5, 2025) to info@biblefinance.org . Also, we encourage people to ask their question by leaving a voicemail (30-90 seconds), by calling 1-866-735-3370 and then press extension 300 for Steve Jones, including providing your first name and what city you live in. Generally speaking the topic to be discussed will be: "GOD'S FINANCIAL WISDOM FOR GOVERNMENT LEADERS AND VOTERS" If you have a financial question on another topic, feel free to send that in, I will answer your question for sure by email, and if time permits, I will deal with that question during the radio interview. FYI - We will send an email with a link to the recorded show for everyone on our financial moment email list. Please pray that God will give me and Steve Jones his wisdom [James 1:5] and his specific direction [Psalms 32:8] with respect to this radio show interview. Thanks for your prayer support and your questions are appreciated! Tom Copland President Copland Financial Ministries www.coplandfinancialministries.org

Discover TV Shows 28-Minute Shows that teach financial wisdom. Explore TV Shows 28-Minute Shows for insights on handling money God's way. TV Shows Tom's 28-minute videos Handling Money God's Way A featured series for individuals and families Session: 1 Stewardship Stewardship is acknowledging in your heart and mind that God owns everything Session: 2 God's Wisdom on Debt and Saving God warns of the dangers of debt and God admonishes us to save for future needs Session: 3 Steps to Get Out of Debt Obtain a practical understanding of how to reduce your debt, with the long-term objective of becoming totally debt-free Session: 4 Budgeting Includes biblical principles of investing Session: 5 Financial Deceptions Beliefs that appear to be correct but are contrary to God’s principles and often tempt people to get into debt. Session: 6 Godly Attitude Toward Money Question: Can money in and of itself, be corrupt or evil? $ Handling Money God' Way 28-Minute Shows God’s Financial Wisdom For Government Leaders and Voters Government leaders need to learn and apply biblical principles in managing government finances Managing Money During Difficult Times When people are in a state of fear or anxiety about their finances, they will often make hasty decisions. Management of Money Impacts Relationship with Spouse Most people buy things they don't need, accumulate debt, and eventually suffer the consequence. Advanced Biblically-Based Estate Planning God's Word, the Bible, has phenomenal wisdom on finances. God's Financial Wisdom for Young People Unfortunately, many Christians do not pray and wait for God's provision. In a sense, they don't even give God a chance to provide. Discerning God's Will in Managing Money An overview of the Bible's financial guidelines so you can really discern what God wants you to do. God's Financial Wisdom for Business This series is appropriate for business owners and managers. Applicable to anyone who makes important financial decisions for a business. Dealing with Inflation and High Interest Rates from a Biblical Perspectives The objective here is to determine whether you have a surplus or deficit in your monthly cash flow. God's Financial Wisdom for churches and Church Leaders You've been faithful with a few things. I'll. I'll trust you, with you, with many things. Management of Money Impacts Eternity Does how you manage money here on earth impact eternity in any significant way? Questions to Consider Before Borrowing It is not a sin to borrow money, but it is a sin to borrow without repaying. This series takes you through important things to consider before deciding to borrow money. Investing God's Way The Bible provides 12 principles related to investing. This 3-session series teaches you how to fulfill your stewardship responsibilities by way of investing the money God has entrusted to you. The Dangers of Co-signing The biblical perspective is to have minimal debt or no debt. And the Bible warns of the dangers of cosign doesn't say you can't co-sign, but it warns of the dangers. The worldly perspective is to use debt freely, which results result in lots of debt and the world's perspective. Obtaining Godly Counsel Too often we believe that we have to figure things out on our own, but this is not God’s will. God wants us to seek his counsel on any important decision. Secular Perspective vs Biblical Perspective Session 1 Overview A person with a biblical perspective will be called a biblical steward Featured Series 28-Minute Videos

Discover the Stewardship Principle and enhance your financial knowledge with our Stewardship Principle Data Manager. Visit us to learn more! Stewardship Principle Back to Articles God Owns Everything 1. God owns all the money. “‘The silver is mine and the gold is mine,’ declares the LORD Almighty” (Haggai 2:8). Read More God Requires Faithful Stewards In Matthew 25:14–30, Jesus Christ gives us the Parable of the Talents. In this parable, the master represents God, and the servants represent you and me—that is, the people. The master entrusted different amounts of material wealth to three servants. Read More God Requires Faithfulness All of us are responsible to God, regardless of the amount of material wealth that he has entrusted to us. 1 Corinthians 4:2 states, “Now it is required that those who have been given a trust must prove faithful”. Romans 14:12 states, “So then, each of us will give an account of himself to God.” Read More

In Genesis 41, God enabled Joseph to interpret Pharaoh’s dream where God warned that there would be 7 years of plenty and 7 years of famine. Back to The Joseph Principle The Joseph Principle By: Henry Enriquez September 3, 2020 In Genesis 41, God enabled Joseph to interpret Pharaoh’s dream where God warned that there would be 7 years of plenty and 7 years of famine. God instructed Joseph to help the people prepare by saving 20% of their grains etc. during the 7 years of plenty, so they would have sufficient food during the 7 years of famine. Some people call this “The Joseph Principle” which is a biblical principle that should be followed by everyone including individuals, corporations and governments. In James 4:13-16, we are warned not to presume on the future, which most people have done by spending all of their income and not saving for future needs. In reality, most people will experience a “famine” of some kind, such as a job loss, illness, etc. the results in the loss of income. In summary, save money on a regular basis so that you have a cushion of cash [Proverbs 21:20] to fall back on for when you encounter difficult times. More Topics Debt Principles Read More Financial Deceptions Read More Co-Signing/Surety Read More

One key to obtaining God’s peace in respect of finances is to understand and fulfill your responsibilities as a steward. Stewardship requires that we acknowledge that God owns everything and that we act accordingly. Back to Freedom from Financial Anxiety Our Responsibilities and God's Promises By: Tom Copland June 14, 2020 One key to obtaining God’s peace in respect of finances is to understand and fulfill your responsibilities as a steward. Stewardship requires that we acknowledge that God owns everything and that we act accordingly. That is, we need to learn and implement God’s principles in managing the money that God has entrusted to us in accordance with his will and not our own will. (Please see my financial moment titled “Biblical Stewardship Is Temporary Management” for more information on stewardship.) Fulfilling stewardship responsibilities requires the following: 1. On a regular basis, spend quality time in prayer with God, asking God for his wisdom with respect to the money that he has entrusted to you. God has promised, “If any of you lacks wisdom, he should ask God, who gives generously to all without finding fault, and it will be given to him” (James 1:5). 2. Study and meditate on God’s Word with regard to finances regularly. “Do not let this Book of the Law depart from your mouth; meditate on it day and night, so that you may be careful to do everything written in it. Then you will be prosperous and successful” (Josh. 1:8). With more than 2,000 references to money, the Bible offers plenty of wisdom from God on finances. 3. Demonstrate your faith in God by trusting God to provide for your needs and direct you according to his will. “Trust in the LORD with all your heart and lean not on your own understanding; in all your ways acknowledge him, and he will make your paths straight.” (Prov. 3: 5, 6) On the other hand, God’s responsibilities and promises include the following: 1. God has promised that he will meet our needs if we put him first: So do not worry, saying, ‘What shall we eat?’ or ‘What shall we drink?’ or ‘What shall we wear?’ For the pagans run after all these things, and your heavenly Father knows that you need them. But seek first his kingdom and his righteousness, and all these things will be given to you as well.” (Matt. 6: 31–33) Please note that God has promised to meet our needs, not necessarily our wants and desires. 2. God has promised to direct us—including our financial decisions—according to his will: “I will instruct you and teach you in the way you should go; I will counsel you and watch over you.” (Ps. 32:8) In summary, as a steward, it is important to focus on God, his Word, and his will. If you fulfill your responsibilities, then, regardless of your financial circumstances, you can know for certain that God will fulfill his promises and you will have God’s peace in regard to your finances. Jesus said, “ Peace I leave with you; my peace I give you. I do not give to you as the world gives. Do not let your hearts be troubled and do not be afraid” (John 14:27). Previous Article Next Article More Topics Co-Signing/Surety Read More Investing Read More Priorities Read More

I hope this email finds you well. I wanted to reach out and express my gratitude for the impact your work has had on my life over the past two years. Your radio programs have been a daily source of inspiration and have guided me towards discovering my purpose. Back to Testimonials Your radio programs have been a daily source of inspiration I hope this email finds you well. I wanted to reach out and express my gratitude for the impact your work has had on my life over the past two years. Your radio programs have been a daily source of inspiration and have guided me towards discovering my purpose. ME Waterloo, Ontario Previous Next

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Discover Financial Management God's Way with our interactive videos. Learn biblical stewardship, budgeting, and investing God's way today! Financial Management God's Way Introduction Management of money on our relationship with God and God’s promises on our stewardship responsibilities. Financial Management God's Way Introduction 1 of 2 Play Video Facebook Twitter Pinterest Tumblr Copy Link Link Copied Now Playing Financial Management God's Way Introduction 1 of 2 04:01 Play Video Now Playing Financial Management God's Way Introduction 2 of 2 04:00 Play Video Introduction Financial Management God's Way Session 1 - 1 of 15 Play Video Facebook Twitter Pinterest Tumblr Copy Link Link Copied Now Playing Financial Management God's Way Session 1 - 1 of 15 01:21 Play Video Now Playing Financial Management God's Way Session 1 - 2 of 15 03:02 Play Video Now Playing Financial Management God's Way Session 1- 3 of 15 02:08 Play Video Now Playing Financial Management God's Way Session 1- 4 of 15 02:53 Play Video Session 1: Management of Money What are God’s “true riches” that are dependent upon one’s management of money? Session 1 Session 2: Christian Stewardships What is your understanding of Christian Stewardship or Biblical Stewardship? Financial Management God's Way Session 2 -1 of 15 Play Video Facebook Twitter Pinterest Tumblr Copy Link Link Copied Now Playing Financial Management God's Way Session 2 -1 of 15 01:17 Play Video Now Playing Financial Management God's Way Session 2 - 2 of 15 04:32 Play Video Now Playing Financial Management God's Way Session 2 - 3 of 15 03:09 Play Video Now Playing Financial Management God's Way Session 2 - 4 of 15 04:33 Play Video Session 2 Financial Management Session 3 part 1 Play Video Facebook Twitter Pinterest Tumblr Copy Link Link Copied Now Playing Financial Management Session 3 part 1 00:33 Play Video Now Playing Financial Management Session 3 part 2 05:27 Play Video Now Playing Financial Management Session 3 part 3 07:04 Play Video Now Playing Financial Management Session 3 part 4 05:08 Play Video Session 3: Biblical Stewards Do you think there’s a difference between a secular perspective and a biblical perspective on managing money and material things? Session 3 Session 4: God's Perspective on Debt and the Importance of Saving Be careful, if you borrow money you may become a servant to the lender Financial Management Gods Way Session 4 - 1 of 3 Play Video Facebook Twitter Pinterest Tumblr Copy Link Link Copied Now Playing Financial Management Gods Way Session 4 - 1 of 3 20:46 Play Video Now Playing Financial Management Gods Way Session 4 - 2 of 3 07:07 Play Video Now Playing Financial Management Gods Way Session 4 - 3 of 3 11:31 Play Video Session 4 Financial Management Session 5 part 1 Play Video Facebook Twitter Pinterest Tumblr Copy Link Link Copied Now Playing Financial Management Session 5 part 1 03:25 Play Video Now Playing Financial Management Session 5 part 2 02:57 Play Video Now Playing Financial Management Session 5 part 3 05:42 Play Video Now Playing Financial Management Session 5 part 4 03:09 Play Video Session 5: Get Out of Debt Pray and ask God for His wisdom and His specific direction as to what you should do to become debt-free Session 5 Session 6: Budgeting The purpose of budgeting is to ensure that you spend less than you earn so that you have a surplus to pay down debt and save for future needs. Financial Management Session 6 part 1 Play Video Facebook Twitter Pinterest Tumblr Copy Link Link Copied Now Playing Financial Management Session 6 part 1 03:02 Play Video Now Playing Financial Management Session 6 part 2 04:33 Play Video Now Playing Financial Management Session 6 part 3 01:57 Play Video Now Playing Financial Management Session 6 part 4 01:30 Play Video Session 6 Financial Management Gods Way Session 7 - 1 of 12 Play Video Facebook Twitter Pinterest Tumblr Copy Link Link Copied Now Playing Financial Management Gods Way Session 7 - 1 of 12 06:59 Play Video Now Playing Financial Management Gods Way Session 7 - 2 of 12 02:51 Play Video Now Playing Financial Management Gods Way Session 7 - 3 of 12 01:55 Play Video Now Playing Financial Management Gods Way Session 7 - 4 of 12 05:51 Play Video Session 7: Obtaining Godly Counsel & Wisdom If any of you lacks wisdom, he should ask God, who gives generously to all without finding fault, and it will be given to him. But when he asks, he must believe and not doubt. Session 7 Session 8: Giving Generously To learn to give generously to God’s work and experience the joy of giving Financial Management Gods Way Session 8 - 1 of 6 Play Video Facebook Twitter Pinterest Tumblr Copy Link Link Copied Now Playing Financial Management Gods Way Session 8 - 1 of 6 01:04 Play Video Now Playing Financial Management Gods Way Session 8 - 2 of 6 04:17 Play Video Now Playing Financial Management Gods Way Session 8 - 3 of 6 07:32 Play Video Now Playing Financial Management Gods Way Session 8 - 4 of 6 02:20 Play Video Session 8 Financial Management Gods Way Session 9 - 1 of 7 Play Video Facebook Twitter Pinterest Tumblr Copy Link Link Copied Now Playing Financial Management Gods Way Session 9 - 1 of 7 07:39 Play Video Now Playing Financial Management Gods Way Session 9 - 2 of 7 04:19 Play Video Now Playing Financial Management Gods Way Session 9 - 3 of 6 07:33 Play Video Now Playing Financial Management Gods Way Session 9 - 4 of 7 02:49 Play Video Session 9: Investing God's Way Invest money God’s way and God will meet your needs. Develop and implement a biblically-based investment strategy. Session 9 Session 10: Developing Godly Attitudes Toward Money Worldly Attitudes result in DEBT. Godly attitudes result in minimal debt or no debt. Financial Management Gods Way Session 10 - 1 of 12 Play Video Facebook Twitter Pinterest Tumblr Copy Link Link Copied Now Playing Financial Management Gods Way Session 10 - 1 of 12 01:47 Play Video Now Playing Financial Management Gods Way Session 10 - 2 of 12 04:43 Play Video Now Playing Financial Management Gods Way Session 10 - 3 of 12 03:57 Play Video Now Playing Financial Management Gods Way Session 10 - 4 of 12 05:30 Play Video Session 10 Financial Management Gods Way Session 11 - 1 of 12 Play Video Facebook Twitter Pinterest Tumblr Copy Link Link Copied Now Playing Financial Management Gods Way Session 11 - 1 of 12 08:11 Play Video Now Playing Financial Management Gods Way Session 11 - 2 of 12; Smart People Use Other People’s Money 02:56 Play Video Now Playing Financial Management Gods Way Session 11 - 3 of 12 03:23 Play Video Now Playing Financial Management Gods Way Session 11 - 4 of 12 03:00 Play Video Session 11: Financial Deceptions Do you think living paycheck to paycheck is common? Jesus recommends that you save for future needs. Session 11

Discover the Copland Budgeting System for proper budgeting. Enhance your financial skills with our Copland Excel Budget Template today! Copland Budgeting System Copland Excel Budget Template Excel Budget Template Written Explanation about Copland Budgeting System (PDF) How to Use the Copland Excel Budget Template How to Use the Copland Excel Budgeting System Template Play Video Share Whole Channel This Video Facebook Twitter Pinterest Tumblr Copy Link Link Copied Search videos Search video... Now Playing Overview 01:55 Play Video Now Playing CFM- Budgeting System-Form 1- Assets and Liabilities 03:15 Play Video Now Playing Form 2 01:07 Play Video Now Playing Form 3 03:49 Play Video Now Playing Form 4 03:05 Play Video Now Playing Form 5 04:18 Play Video Now Playing Form 6 08:11 Play Video Now Playing Form 7 00:47 Play Video Initial budget, typical budget, budget where downsizing is necessary