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Priorities Back to Articles Are you Pursuing God's True Riches? Jesus said, “If you have not been trustworthy in the handling worldly wealth, who will trust you with true riches? (Luke 16:11). I believe that many Christians assume that there is no connection between their spirituality and how they handle money. Read More Treasures in Heaven Jesus said, “Do not store up for yourselves treasures on earth, where moth and rust destroy, and where thieves break in and steal. But store PRIORITIES-TREASURES IN HEAVEN I believe that “treasures on earth” include money and material things. Read More Effective Ministry An individual’s ministry effectiveness will generally be significantly influenced by the biblical or non-biblical use of money. Jesus indicated that, if you are not trustworthy with money, then God will not entrust you with something of greater importance, which Christ called the “true riches. “If you have not been trustworthy in the handling worldly wealth, who will trust you with true riches?” (Luke 16:11). Read More A Spiritual Barometer It is a common saying that you can determine an individual’s true priorities by reviewing how she or he spends time and money. Although people may say that their relationships with God and their families are of greatest importance to them, sometimes their Day-Timer or checkbook indicates otherwise. Read More

Debt Principles Back to Articles God's Warning - Debt is Dangerous! In this world, we are bombarded with all kinds of advertisements and advice that entice us to borrow money. As a result, many people believe the lie that it’s okay to “buy now and pay later” or that “smart people use other people’s money”. Read More

Counsel & Wisdom Back to Articles From God When dealing with an important financial decision, it is critical to obtain counsel from God. Why? “To God belong wisdom and power; counsel and understanding are his.” (Job 12:13) Read More From God's Word Howard Dayton, CEO of Crown Financial Ministries completed an in-depth study of the Bible and found that God’s Word contains 2,350 references to money and material things. In addition, 16 of the 24 parables that Jesus Christ gave us deal with money and material things. Read More From Godly Financial Advisers God admonishes us to obtain counsel. Proverbs 12:15 states, “The way of a fool is right in his own eyes, But a wise man is he who listens to counsel” (NASB), and Proverbs 15:22 states, “Plans fail for lack of counsel, but with many advisers, they succeed.” Read More

Freedom from Financial Anxiety Back to Articles Are You Overwhelmed by Financial Problems? Do you feel burdened and worried about your finances? Do you feel overwhelmed by financial problems? Read More Our Responsibilities and God's Promises 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. Read More God Gives Peace in Regard to Finances Financial problems frequently cause significant stress and anxiety, but God can provide his peace, no matter how difficult your financial problems. 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). Read More Yes, There is Hope for your Financial Mess! “By his very nature, God is the God of hope: “May the God of hope fill you with all joy and peace as you trust in Him, so that you may overflow with joy by the power of the Holy Spirit” (Rom. 15:13). Do you have God’s peace and joy in regard to your finances? If not, then you’re probably not in God’s will. Read More Why Does God Allow Financial Problems? It is clear from Scripture that God is indeed in control. If God is in control, then why does he allow Christians to have significant financial problems? Over the past 23 years, I’ve had the privilege of counselling hundreds of Christian couples and individuals. Read More God is in Control Regardless of how difficult your financial problems are, it’s important to remember that God is in control. He is the all-knowing, all-powerful, and everywhere present God. Read 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

Co-Signing/ Surety Back to Articles Co-Signing for Loans Several years ago I received a phone call from a woman who indicated that the bank had just taken a significant portion of her and her husband’s retirement fund to pay off a loan for which they had cosigned with their son. Read More What if you Have Already Co-Signed a Loan? Statistics demonstrate that in more than 50 percent of instances when someone has co-signed, it is the cosigner, not the borrower, who ends up paying the loan. If you have already cosigned for a loan, I strongly recommend that you take the advice given by God to do everything possible to free yourself from the financial obligation related to cosigning. Read More Avoiding Surety for Company God’s Word warns of the dangers of signing surety, which includes a situation in which a company owner gives a personal guarantee for the company’s debt. Read More Personal Guarantees for a Business Loan The issue of surety (guaranteeing payment of a debt for another) arises when one takes on a financial obligation without a certain way to pay. When the owner of a company gives a personal guarantee in regard to the company’s debt, that person assumes that the company will be profitable enough and have sufficient cash flow to service the debt—without the debt falling back onto the personal guarantor. Read More

Financial Deceptions Back to Articles You Should Try to Obtain Financial Freedom (ASAP) Many people believe it is good to try to get rich quickly. Some of the common methods utilized to obtain “Financial Freedom” are as follows: Read More Debt Restructuring Will Solve Your Financial Problems Several years ago, I counselled an individual who had accumulated significant debt on his credit cards. To lower his interest costs and to be able to make appropriate repayments, it made sense to restructure his debt. Read More If I Had More Money, I Would Be Happy Many people believe the deception that money will bring happiness. Although additional income can relieve some financial pressures (if the individual or couple manage their money well), money in and of itself does not bring happiness. Money will definitely not provide joy and peace, which only comes from God. Read More It Makes Sense to Buy Now and Pay Later Today almost anything can be purchased with little or no down payment—automobiles, furniture, boats, snowmobiles, etc. Advertisements enticing you with “no payments and no interest” for one to two years are very common. Read More Smart People Use Other People's Money Many people believe it is good financial thinking to use borrowed money to make a lot of money. In other words, “smart people use other people’s money,” not their own. This is a lie from the world and Satan. The only way that is true is if you can predict the future—that is, know with certainty the direction of markets and the economy. Read More Bankruptcy Will Solve My Financial Problems When people get into financial difficulty, many believe that declaring bankruptcy will solve their financial problems. Unfortunately, bankruptcy just treats the symptom. Read More Living Paycheck to Paycheck is Okay For example, statistics reveal that 80 percent to 90 percent of the people in North America live “paycheck to paycheck”—that is, they spend all their regular income and have no savings. Many people believe this is okay. Read More Financial Freedom is Attained by Having Lots of Money Many people believe that financial freedom will be obtained only when they have lots of money and material things. This is a deception from the world. God warns us: “Whoever loves money never has money enough; whoever loves wealth is never satisfied with his income. This too is meaningless” (Ecclesiastes 5:10). Read More

Testimonials Zoom Small group Participant Testimony Thanks so much for the opportunity to take Financial Management God's Way. Blessings to Tom and his team. Read More JG Kemptville, Ontario Canada We found the workshop extremely helpful "Tom, my wife and I attended one of your workshops over 10 years ago when we were struggling with a crippling load of debt. We found the workshop extremely helpful and through your guidance and the principles you taught, and turning to God in complete trust of our situation, not only did. Read More TA Newmarket Ontario Tom Copland’s book, Financial Moments If you finally want to straighten out your finances the right way based on Biblical principles, get this book. You’ll wonder how you ever dealt with your finances without it." Read More T.O Oshawa, Ontario, Canada. Thank you so much. I appreciate all you knowledge that you share. I learn so much from your teachings. How you know the scriptures and how you apply them to our finances and to our daily living. Thank you so much. I appreciate all you knowledge that you share. Susan C Facebook follower Sincerest thanks and may the Lord continue to bless you, your family and Copland financial ministries. I couldn't express enough how grateful I am to have Christine, and now Ton, helping us. Christine is incredibly skilled, creative and the most amazing blessing in so many ways! Read More SR & PN Stouffville Ontario Canada The budgeting material (in particular) has been very helpful I’m grateful to have had the opportunity to take this course. Thank you, Tom, for your ministry." Read More P.K. Oro-Medonte, Ontario, Canada 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 Thank You Tom for all you do. Thank You Tom for all you do. I hope you know you are breaking chains and setting people free because that is exactly what you are faithfully doing. Read More W.P. Shawville Quebec, Canada God richly bless you and your family Brother Copland For someone who had had so much Kingdom impact and so much success you radiate the presence of God in your approachability... humility and it is a powerful gift. God richly bless you and your family Brother Copland. K. J. P. Kitchener, Canada The workshop has been very beneficial The workshop has been very beneficial in giving me practical insights in managing my debts based on Biblical principles. BB Edmonton, Alberta I agree 100% with the principles and messages from Copland Ministries "I agree 100% with the principles and messages from Copland Ministries. Through the Financial Management process, you can fine tune your finances so that you are on the way to good financial health." T. S. Cebu, Philippines I’d be very grateful to receive a copy of your new book on Biblical principles to deal with inflation I’d be very grateful to receive a copy of your new book on Biblical principles to deal with inflation. Thank you so much. I’ve been praying for at least 8 months now, asking God to help my son pay down a large income tax debt. I can’t tell you how much your courses are helping me. I’m learning so much. It almost seems overwhelming so I need to keep going over it. Thanks so much. May God richly bless you and your ministry. J. G. 281 Fir Lane Kemptville, Ont K0G 1J0 My financial situation is a burden to me I am doing your 4 part financial online course. I am so blessed to be apart of this course. My financial situation is a burden to me and I am so encouraged by these sessions. I saw you on TV about a year ago and have blessed since. Praying the Lord will continue to bless you abundantly as you help us with our financial situation so that we can have peace and joy as Children of God. D.S. 18 Cloverlawn Street, Brampton Ontario, Canada Thank You Tom and God Bless You. I keep you in my Prayers Tom you are without a doubt one of the most humble people I have ever had the privilege to listen to. That has to be the reason why the Holy Spirit draws so many people to your teachings, He is your partner. Have a great evening. God Bless. D.W.P. Shawville Québec, Canada God saved me $1000.00 by knowing the state of my flocks! Thank you for your financial seminar I took for Singles last year. Your seminars are excellent biblical teaching that works and I am still using today. Thank you Tom and thank you God! P. H. Vancouver, Canada Your ministry is a blessing to me Your ministry is a blessing to me & my family. I am very appreciative of your 'all wise' emails. DM, Chester Basin, Nova Scotia Canada. DM Chester Basin, Nova Scotia Canada. I have been blessed to be a part of this Biblical teaching! This teaching is EXACTLY what I need and want, and I have been learning and applying. I also let others know about it. I purchased some of the books, and was blessed to receive a free one too, and I give these books to my friends and family members. Read More BG Saskatchewan, Canada Thank you Copland Financial Ministries I have learned how to manage my finance according Biblical Principles . It has been an eye open experience for me. Read More R.G. ​ Financial Management God's Way for Women Thank you personally for the teaching which was very transformative. IA Toronto, Canada Thanks be to God I am debt-free Thanks be to God I am debt-free and I'm able to be used to help others in this world. Many many thanks for your ministry. LP Toronto, Canada Financial Moments, Biblical Principles That Will Transform How You Manage Money I’m reading through that book by Tom Copland. Wow is it good and wow did I break so many principles of God! It’s very confusing as I thought this was the will of the Lord how it came about but he says at the beginning that Tom said God uses financial issues as trials as well. Read More Adam ​ GLORY TO GOD IN THE HIGHEST!!!!!!! God had me take your Zoom class right on time. This was a big debt and because of what I learned in your classes concerning the Word of God I decided not to take any offers to pay less of my debt but instead I desired to pay it all. I could not have actually done so without God helping me each step each day each week each month. Read More NF Brampton ON, Canada I wish I had learned these principles sooner My knowledge and understanding of God's financial principles has profoundly changed. The bible is a wealth of information on how we should wisely think and then manage our finances. I have been so culturally accustomed to secular thinking about finances that I was not even aware of the detrimental impact that it had on my relationship with God. Read More L.G. Toronto, ON, Canada It pushed me to pay off my mortgage I sincerely thank you (Copland Financial Ministries) for hosting these wonderful sessions on Financial Management God's Way. It really pushed me to pay off my mortgage sooner than later, and I'm forever grateful! Thank you for taking the time to chat with me after our session. I value your insights, along with the tips you gave me. Read More S.P. Toronto, ON, Canada God answers prayer with respect to a wayward daughter Growing up, my parents and grandparents never overspent on anything and neither did I (but we are not holy and righteous). However, while I thought I was “pretty good in terms of everything” especially money management, my daughter’s credit card debts surfaced in 2013 after she was baptized and moved away from home to university. For the first time, she had a lot of money to manage, from student loans, ESF education saving fund, part time jobs to monetary gifts from relatives. Read More S.L. New Tecumseth, ON, Canada Very high quality and essential Your program is very high quality and essential for today’s Canadian families. We are pleased to have posted it on our website. God bless. Anonymous Tom's faithfulness to love God and love people Amazing! Tom’s knowledge of the bible is extraordinary and God’s call on his life is unmistakable, allowing so many people the opportunity to learn and understand how to manage finances God’s way. I feel truly blessed to have been able to participate and learn from Tom’s wisdom. His generosity in offering this program without charging a fee is testament to his commitment to God and man. Tom lives his faith and demonstrates his faithfulness to love God and love people. Thank you Tom!! W.B. Barrie, ON, Canada Zoom Webinar Testimony We want to say thank you! We have been attending your zoom study on financial management God's way. We have both learned so much. Personally, I never dreamed the Bible had so much to say on finances. We are currently working on a budget for ourselves and are actively paying down our debt. Thank you so much for teaching this awesome study. L.A. Oxbow, SK, Canada A life-changing testimony There has been a spiritual shift in my finances since taking your class. I didn’t notice much of a difference initially, but a couple of months later I recognized that I was thinking differently about money. I have continued to track my expenses diligently and formulate a budget every 2 weeks. Read More Judy Toronto, ON, Canada God's Word on finances more effectively People are still commenting about the significant blessing your seminar series “Handling Money God’s Way” was. We had over 200 individuals sign up for this – and about one-third of those were from outside our church – praise God!! In one session, you shared how to have a personal relationship with Christ and we offered new testaments to anyone who wanted one, and over 30 people took one. Read More Anonymous God used you to save a life It is amazing to hear from you and would be thrilled to speak with you. You were the first human voice I heard as God’s grace filled my life. Please know that at least once God uses your recorded voice to save a human life and to add my name to the Book of Life. Thank you. C.L. Halifax, NS, Canada The expressions of my gratitude are many Where do I begin? The Lord our God, my Heavenly Father, brought me to Copland Financial Ministries. I have been both convicted and encouraged. Since taking Financial Management God’s Way for Singles, I have made two or three major financial decisions that I believe please God. Knowing and understanding and then implementing the Word of God in my finances are a great blessing bringing peace and joy. Read More N.F. Brampton, ON, Canada It has helped convict my heart Thank-you for leading our finance course! It has helped convict my heart to make some practical changes. The difference between this course and the other course Jamie and I did 8-9 years ago is the infusion of God's word into the curriculum. It's neat having my Bible beside me while I'm working through the case studies. So, thank you both (and Tom Copland) for providing such a strong Biblical foundation to what we are learning. I'm finding not only is my mind (and pocket-book) being challenged, but my heart is as well. I feel God is challenging my thinking on faith and trust in Him as well. T.N. Calgary, AB A man was in the depths of despair A man was in the depths of despair and psyched himself to drive his car into the water to commit suicide. He said the only station that would come in was CJLU 93.9. He specifically heard Tom Copland and decided against killing himself. He gave his life to Christ and has been a Christian now for a year and a half. He talked about the Bibles he has been giving out to people and how he now attends a local church. He called the station this week to share his testimony. Thank you for airing Financial Moments on Harvesters FM. God bless you. J.L. (Radio Host) Eastern Canada Zoom webinar testimony I took your Financial Management God's way course last fall. And with God's direction and your advice, I have paid off my mortgage!!! B.C. Woodstock, ON, Canada I've benefited greatly from your teaching I've benefited greatly from your teaching as it has helped me change my thought process on handling my finances, planning for the future, and estate planning. I record your messages on my PVR so I can watch them from time to time. So again thank you again. L.C. Montréal, QC, Canada You have changed my life I just want to let you know that I was listening to your message years ago when we were working together. You have changed my life. I sold my larger house and minimized my lifestyle and set new financial goals because of the time you spent talking with me and the CD’s you gave me. I wanted you to know that I was listening. I’ve made saving a priority. Thank goodness! I know it won’t be an easy time here, but boy I’m glad I’ve been saving. B.P. South Carolina, USA Faith FM Listener I listen to you almost every day on Faith FM. I have learned so much and you have been God sent to me. I was praying to God for help in understanding His law with regards to finance and God blessed me with the best teacher/mentor I could have asked for. Thank you Tom and God bless you. Ellyna Thank you for your advice Thanks so much for your advice and all your resources. Your support, advice, validation and sincere heart have been such an encouragement and blessing to us. We left our time with you feeling great peace and clarity, even though all our financial problems are not instantly solved. God used you to speak into our lives and we are so thankful for that. R.G. Toronto, ON, Canada Thank you for your ministry I Attended the Zoom Webinar - Managing Money During Covid-19. It was excellent! I would be interested in attending more virtual workshops when they are available. Thank you for this ministry! L.S. ON, Canada My spirit feels with your advice I am very impressed with your view on finances as it appears to me to be the most godly perspective all based on scripture. I can also sense your sincere love and devotion to the Lord and your desire to bring Him glory. You are seeking Him first and His kingdom and His righteousness by seeking the Holy Spirit’s individual direction through spending time in the Word and His presence. My spirit feels with your advice. Anonymous Thank you Tom for your faithfulness Thank you Tom for your faithfulness in teaching through God's word, and many hours on your own time, for our benefit and God's call. It has been great and very much appreciated by me and I am sending a donation for your ministry, by mail today. I will continue to pray for your ministry, too. Thank you again for all you do. L.M. Stouffville, ON, Canada Financial Ministry is growing Tom, I am glad to hear that the Financial Ministry is growing and changing people's lives all over the world! Taking your course actually broke a stronghold in mine, I really believe that. I also developed a new money mindset. I am still learning to walk in God's Ways of managing finances, but I have come a long way! I am very interested in taking part in a financial coaching webinar in the future and learning how to help someone else. J.C. Waterloo, ON, Canada I can't wait to tell people I know about you! I would just like to say that what you are doing is amazing! I know it is helping many people! I first saw you in your commercial. I am so happy to see a Christian giving Godly based wisdom on finances. I am also glad that I have your messages as a 23-year-old now, that way the rest of my life could be set on the right track. Thank you for what you do, I hope that it never ceases. Your love for the Lord is admirable as well, and you are a fantastic role model. I can’t wait to tell people I know about you! cheers! Anonymous Praise God for the work Thank you so much for your prompt response; much appreciated. I will be checking out the website. Praise God for the work you guys are doing for The Body of Christ. Anonymous Video Testimonials Jean's Testimony . Cam's Testimony . Randy Ziegenhagel . Wolf German . Colin accepts Christ after almost ending his life It is God through his word (Hebrews 4:12) and his spirit (John 10:27) that draws people into a relationship with Christ. Be sure to listen to this video as Colin Long provides his testimony of how he had planned to commit suicide, but God did a miraculous thing, working through one of Tom’s financial moments, Colin came to know Christ as Saviour and Lord. We praise God! InTouch 2013 . InTouch 2011 . Cam's Testimony . Bayfair Testimonies . Morningstar Mike .

Investing Back to Articles Overview The following steps should enable you to learn and implement God’s investment principles. 1. Pray and depend on God for his wisdom (James 1:5) and his direction (Psalm 32:8) when investing, because no human can consistently predict the direction of the markets (James 4:13–15). Read More First, Pray and Depend on God for His Wisdom & Direction Prayer and dependence upon God are required in order to develop a personalized and biblically-based investment strategy. It is well known that the past performance of investment provides no guarantee for its future performance. Read More Develop & Implement a Biblically Based Investment Strategy A biblically-based investment strategy should meet the following two criteria: 1. be consistent with God’s principles 2. reflect God’s specific will for your life Read More Diversification (1 of 2) In my experience, I’ve seen too many cases where an individual has invested the majority of retirement funds in one company or in one sector. Read More Diversification (2 of 2) As explained in my previous Financial Moment, God’s Word recommends the diversification of one’s portfolio into different types of investments that will likely react differently to any particular market condition. Read More Use Minimal Debt - Or Better, No Debt Over the past 28 years, I have met many investment advisers who have instructed their clients to use debt in order to increase their investment returns. Read More Ensure that you Understand the Investment Over the past 28 years, I have had the privilege of working with 300 to 400 business people. In my experience, generally when they invest in something that they understand, and within biblical principles, they earn a profit. However, when they invest in something that they don’t understand, frequently they lose money. Read More Assess your Tolerance for Risk and Invest Accordingly In Ecclesiastes 11:1–6, God recommends the assumption of a reasonable amount of risk within your investment portfolio. Read More Avoid "Get-Rich-Quick Investments" and Hasty Decisions In my experience, the following are the common elements of a “get-rich-quick investment.” 1. There is a promise of an abnormally high rate of return. If the expected rate of return is unusually high, then the risk associated with that investment is also unusually high. Read More Obtain Biblical Counsel God admonishes us to obtain counsel. Proverbs 12:15 states, “The way of a fool is right in his own eyes, But a wise man is he who listens to counsel” (NASB), and Proverbs 15:22 states, “Plans fail for lack of counsel, but with many advisers, they succeed.” Read More Ensure that your Motives are Godly and not Worldly It is possible for a Christian to be involved in investing with godly motives or worldly motives. Your motives for investing are important to God. “All a man’s ways seem innocent to him, but motives are weighed by the LORD.” (Proverbs 16:2) Read More Following God's Directives Not Human Tendencies Human tendency is to respond to what is happening in the financial markets or news from the media. Good news frequently provides confidence or triggers greed, which tempts us to buy; bad news makes us feel uncomfortable or fearful, which results in a desire to sell. Read More Giving to God's Work Produces Eternal Benefits Giving to God’s work is an investment with eternal rewards for both the giver and the beneficiaries of the gift. In regard to the giver, Jesus said: “For the Son of Man is going to come in his Father’s glory with his angels, and then he will reward each person according to what he has done” (Matthew 16:27). Read More Keep a Balanced Perspective We are bombarded with information on investments. Every day hundreds of individuals give their opinion as to where you should invest your money. It is easy to spend excessive amounts of time and energy on investing. This is not God’s will: “Do not wear yourself out to get rich; have the wisdom to show restraint. Read More

The Joseph Principle Back to Articles The Joseph Principle 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. Read More

Back to Testimonials Zoom Small group Participant Testimony I'm constantly amazed that this excellent course, Financial Management God's Way, is offered free of charge. The leaders are experienced, knowledgeable and very open and easy to talk to. The book is user-friendly and overflowing with God's word and how it relates to everyday life. Just the understanding that God owns everything and we are His caretakers is mind-changing. I encourage everyone - young and old - to take this course. I wish I had learned these practical financial principles when I was younger. It would have helped me be better prepared for my senior years and left me in a much better position, both financially and in my relationship with God. Thanks so much for the opportunity to take Financial Management God's Way. Blessings to Tom and his team. JG Kemptville, Ontario Canada Previous Next

Back to Testimonials There is no better way to live! You handled yourself with sincerity, godliness, compassion, and excellence. Our listeners obviously felt very comfortable talking to you. We couldn’t take all of the calls. That’s a nice “problem” to have! Tom, I know God is using you in a big way. There is no better way to live! Looking forward to having you back with us. K.G. (Professional Radio Host) Previous Next