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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

I have learned how to manage my finance according Biblical Principles . It has been an eye open experience for me. Back to Testimonials Thank you Copland Financial Ministries I would like to Thank Copland Financial Ministries, Tom Copland and Randy Ziegenhagel for this amazing teaching on Financial Management God’s Way for Women. I have learned how to manage my finance according Biblical Principles . It has been an eye open experience for me. R.G. Previous Next

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). Back to Financial Deceptions Financial Freedom is Attained by Having Lots of Money By: Tom Copland June 15, 2020 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). Over the past 30 years, I have seen many wealthy people who have no peace in the area of finances. They are not “financially free.” They are stressed out by money-related problems, such as, Where should I invest my money? or, What if I lose my money? Sometimes they are workaholics with an unquenchable desire to accumulate more and more. Worry and anxiety dominate their minds in regard to money-related issues. True financial freedom comes only from having God’s peace and joy in the area of finances. To obtain God’s peace and joy in respect of finances, I believe that the following steps would be appropriate: 1. Believe that it is God’s truth that will set you free from the deceptions of this world. “To the Jews who had believed him, Jesus said, ‘If you hold to my teaching, you are really my disciples. Then you will know the truth, and the truth will set you free’” (John 8:31, 32, emphasis added). 2. Recognize God’s truth that we are stewards of what God has entrusted to us. Our responsibility is to apply God’s financial principles and do God’s will. God’s promise is that if we put him first, he will meet our needs (Matthew 6:31–33). Once you have fulfilled your responsibility, you can “cast your cares on the Lord” (Psalm 55:22) and trust God to meet your needs. This should enable you to enjoy God’s peace. 3. With God’s help, learn to be content with God’s provision. The apostle Paul said, I am not saying this because I am in need, for I have learned to be content whatever the circumstances. I know what it is to be in need, and I know what it is to have plenty. I have learned the secret of being content in any and every situation, whether well-fed or hungry, whether living in plenty or in want. I can do everything through him who gives me strength. (Philippians 4:11–13, emphasis added) 4. Acknowledge that the accumulation of money and material things are temporary and not of any eternal value. (See Matthew 6:19–21.) In short, from an eternal perspective, God’s truth is that a selfish desire to become wealthy has no value. 5. Experience the joy of giving. Jesus said, “It is more blessed to give than to receive” (Acts 20:35). Giving with a cheerful heart and out of your love for God enables you to be free from the love of money and to experience the joy of giving. In summary, one of the deceptions of this world is that financial freedom comes from having lots of money and material things. True financial freedom comes only from having God’s peace, joy, and contentment in the area of finances. Previous Article Next Article More Topics The Joseph Principle Read More Co-Signing/Surety Read More Freedom from Financial Anxiety Read More

My husband and I have greatly benefited from the Debt Reduction CDs and DVDs for Businesses and Individuals. We thank you for your ministry and the impact it has had on our lives, our family, and people around us. We would like to make monthly donations to Copland Financial Ministries. Back to Testimonials We thank you for your ministry My husband and I have greatly benefited from the Debt Reduction CDs and DVDs for Businesses and Individuals. We thank you for your ministry and the impact it has had on our lives, our family, and people around us. We would like to make monthly donations to Copland Financial Ministries. Anonymous Previous Next

Do you feel burdened and worried about your finances? Do you feel overwhelmed by financial problems? Back to Freedom from Financial Anxiety Are You Overwhelmed by Financial Problems? By: Tom Copland January 4, 2021 Do you feel burdened and worried about your finances? Do you feel overwhelmed by financial problems? Jesus said, “Come to me, all you who are weary and burdened, and I will give you rest. Take my yoke upon you and learn from me, for I am gentle and humble in heart, and you will find rest for your souls. For my yoke is easy and my burden is light” (Matt, 11: 28–30). Jesus gently encourages us to come to him humbly, first asking for his help and then “yoking” with him—that is, depending on God to carry the heavy part of the load. God has promised that he will sustain us, no matter how difficult the circumstances. "Listen to me, O house of Jacob, all you who remain of the house of Israel, you whom I have upheld since you were conceived, and have carried since your birth. Even to your old age and gray hairs, I am he, I am he who will sustain you. I have made you and I will carry you; I will sustain you and I will rescue you." (Isa. 46:3, 4) In order to relieve some of the financial pressures, as a practical matter, I recommend you consider some of the following suggestions: 1. Track your expenditures for two or three months to determine where your money is going. Most people don’t know where their money is being spent. 2. Develop a budget—my firm has developed an Excel-based budgeting system that is available at no charge. Call us if you would like a copy (905-477-1300). 3. In the process of developing and following a budget, ensure that you are spending less than you are making in order to provide a monthly surplus. 4. Use that surplus to pay down debt with the highest interest cost first, which is generally credit cards. 5. Next, pay down your other debts, and save some money for emergencies. (See Proverbs 21:20.) Be sure to spend quality time with God daily, asking him for specific direction about your finances. God has promised that if we ask him for wisdom, he will give it to us (James 1:5) and if we ask him for his specific direction, then he will provide direction to us (Prov. 3:5, 6). Previous Article Next Article More Topics Co-Signing/Surety Read More Investing Read More Priorities Read More

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. Back to Counsel & Wisdom From God's Word By: Tom Copland June 15, 2020 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. Clearly, God’s Word, the Bible, has a tremendous wisdom to assist you in making any financial decision. The psalmist makes the following comments regarding God’s Word: “Your statutes are my delight; they are my counsellors” (Psalm 119:24) and “Your word is a lamp to my feet and a light for my path” (Psalm 119:105). God’s Word was considered to be so important that God instructed Joshua, “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” (Joshua 1:8). In my experience, when people have got into financial difficulty, frequently it was because they have unknowingly violated one or more of God’s financial principles. Some examples include 1. no savings for an emergency (Proverbs 21:20) 2. taking on too much debt (Proverbs 22:7). 3. cosigning a loan, for which the Bible uses the term “striking hands in pledge” (Proverbs 17:18; 22:26, 27) 4. getting involved in a financial transaction they did not understand (Proverbs 19:2) and that was not biblically diversified (Ecclesiastes 11:1,2) Many times the financial stress could have been avoided by simply following the counsel and wisdom from God’s Word, the Bible. God promises great blessings to the believer who meditates on and follows his Word. Blessed is the man who does not walk in the counsel of the wicked or stand in the way of sinners or sit in the seat of mockers. But his delight is in the law of the LORD, and on his law, he meditates day and night. He is like a tree planted by streams of water, which yields its fruit in season and whose leaf does not wither. Whatever he does prosper. (Psalm 1:1–3 emphasis added) Blessed are they who keep his statutes and seek him with all their heart.” (Psalm 119:2) Solomon was the wisest man who ever lived. God gave him incredible wisdom and knowledge. At the end of his life, Solomon concluded, “Now all has been heard; here is the conclusion of the matter: Fear God and keep his commandments, for this is the whole duty of man” (Ecclesiastes 12:13). In the financial arena, the only way you can “keep God’s commandments” is to understand and implement God’s Word on finances. In summary, when faced with an important financial decision, it is absolutely necessary that you seek God’s counsel and wisdom by studying and implementing what his Word says on finances. If you would like to learn more about what God’s Word says on finances, I suggest that you visit the website of Crown Financial Ministries (Canadian site: crowncanada.ca, U.S. site: crown.org) and obtain some of the excellent materials available through this organization. In addition, if you are not already on my “Financial Moment” e-mail list, send an e-mail to thomas@copland-ca.com and I will send you, at no charge, a Financial Moment every two weeks. Previous Article Next Article More Topics Priorities Read More Stewardship Principle Read More Debt Principles Read More

Dear Tom, Just watched you again on Vision TV. As a Christian widow, I truly appreciated your insight and biblical wisdom. Thank you for your spiritual wisdom, prayers, and encouragement to store up treasures in heaven. People need to stay in the scriptures for their source of truth and I sense this in your ministry!! May the Lord bless you in your ministry. Back to Testimonials Thank you for your spiritual wisdom and prayers Dear Tom, Just watched you again on Vision TV. As a Christian widow, I truly appreciated your insight and biblical wisdom. Thank you for your spiritual wisdom, prayers, and encouragement to store up treasures in heaven. People need to stay in the scriptures for their source of truth and I sense this in your ministry!! May the Lord bless you in your ministry. J.E. St. Catherine's, ON, Canada Previous Next

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. Back to Testimonials GLORY TO GOD IN THE HIGHEST!!!!!!! Hello Tom . It is with a heart of praise and thanksgiving to God that I write you this night. I paid off a roughly $5000+ creditor account today!!!!!! GLORY TO GOD IN THE HIGHEST!!!!!!! Truly the Lord has helped me so so so so so so much and has been merciful towards me. I began paying $500 biweekly since October 2021. 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. I currently have several other loans that I am now going to begin paying off. PRAISE GOD, Tom! Your ministry has been a great blessing to me and your email responses helped me avoid taking another loan of about 40% interest just to pay off the other debt. …I need to thank you and those who labour with you in your ministry. NF Brampton ON, Canada Previous Next

I began seriously studying God's Word on finances around 2008 when going through a Sunday School seminar on Debt Reduction God's Way led by Tom Copland (shortly after he had joined our church in Ajax). Back to Testimonials I have come to realize that Biblical stewardship is not an area that can be faked. I began seriously studying God's Word on finances around 2008 when going through a Sunday School seminar on Debt Reduction God's Way led by Tom Copland (shortly after he had joined our church in Ajax). This seminar not only opened my eyes to the dangers of debt, but prompted me to participate in several other similar seminars over the coming years, with the focus on Financial Management God's Way. I am thankful for this material that has helped me appreciate that the Lord is deeply interested in how I use the money and material things He has entrusted me with, and to that end, I have come to realize that Biblical stewardship is not an area that can be faked. I am also thankful for the many opportunities Tom has presented me with to lead others in this area, which the Lord has used to continue to show me that in order to maximize my spiritual impact as a Biblical steward, contrary to conventional 'worldly wisdom', the Lord's wisdom is that borrowing is generally discouraged and giving is generally encouraged. After many years of study and resolve to follow God's Word, I am thankful to have been able to persevere by avoiding many financial temptations, and as a result now am totally debt-free. I would recommend following Tom Copland's material on managing money God's way for anyone who is looking to do the same. E.L Ontario, Canada Previous Next

Your Biblical advice has made a huge difference in our finances over the past couple of years. Thanks again. Back to Testimonials Biblical Advice Your Biblical advice has made a huge difference in our finances over the past couple of years. Thanks again. L.T. Oxbow, SK, Canada Previous Next

“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. Back to Freedom from Financial Anxiety Yes, There is Hope for your Financial Mess! By: Tom Copland June 15, 2020 “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. Regardless of how difficult your financial problems are, God, with his “incomparably great power” (Eph. 1:19), is able to solve any financial mess. It is true that God may not relieve financial pressures quickly, but it is certainly within God’s power to sustain you and carry you through any stresses or anxieties resulting from financial difficulties. If you’re in financial difficulty, then I recommend the following: Pray—There’s no substitute for spending quality time with God. It is through his Holy Spirit and his Word that he will provide you with his direction for your life. Jesus said, “My sheep listen to my voice; I know them and they follow me” (John 10:27). Meditate on God’s Word—Sixteen of the 24 parables that Jesus gave us to deal with money and material things. God’s Word, the Bible, is filled with God’s wisdom on finances, which is frequently contrary to the world’s wisdom. For example, the emphasis in Scripture is toward minimal debt or no debt as opposed to the emphasis in the world, which is to buy now and pay later or use other people’s money. In our society, getting into debt is very easy, and as a result, many people have overcommitted themselves in their financial obligations. Develop a Plan, That is, a Budget—This will help you ensure that you are spending less than you are earning on a monthly basis. Use the surplus to pay down debt and save for future needs. Planning is biblical. For instance, in his example of building a tower, Jesus said, in substance, that if you don’t plan ahead, then you are foolish (Luke 14:28–30). Don’t Give up!—When someone is in financial difficulty, generally, it takes a few years to really get the financial house in order. However, significant changes can be made in just a few months. Even if finance is not your area of expertise, God has promised that he will provide what we need. Jesus said, “My grace is sufficient for you, for my strength is made perfect in weakness” (2 Cor. 12:9, NKJV). Previous Article Next Article More Topics Co-Signing/Surety Read More Investing Read More Priorities Read More

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. Back to Freedom from Financial Anxiety Why Does God Allow Financial Problems? By: Tom Copland June 15, 2020 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. One common reason for financial problems is that the people have unknowingly violated one or more of God’s financial principles. I believe there is no substitute for understanding the fundamentals of what God has taught in his Word regarding finances. I recommend the materials and Bible studies provided by Crown Financial Ministries as an excellent resource for understanding what God has to say about finances. On the other hand, some Christians have financial problems through no fault of their own. They have followed God’s principles, but they still have financial problems. Why? I believe that the most common reason would be found in John 15, where Jesus said, “I am the true vine, and my Father is the gardener. He cuts off every branch in me that bears no fruit, while every branch that does bear fruit he prunes so that it will be even more fruitful.” (John 15:1, 2, emphasis added) In the same way that a gardener prunes a vine, God prunes his children by way of trials (including financial trials) so that we will depend on God more and remain connected to the Lord on an ongoing basis, for the purpose of bearing more spiritual fruit. Jesus said, “ I am the vine; you are the branches. If a man remains in me and I in him, he will bear much fruit; apart from me, you can do nothing” (John 15:5). Regardless of how difficult or insurmountable, our financial problems are, we know that God can solve them—either very quickly or slowly. He is in control. He is the all-powerful, everywhere-present, and all-knowing God. We also know that God loves us unconditionally (Rom. 8:38, 39). God has a purpose for any trial in the believer’s life, and God will bring some good out of every hardship. Romans 8: 28, 29 states, And we know that in all things God works for the good of those who love him, who have been called according to his purpose. For those God foreknew he also predestined to be conformed to the likeness of his Son, that he might be the firstborn among many brothers. In short, because God is in control, and because he loves us unconditionally, we know with confidence that we can trust him to allow only those financial trials that are within his will. We can also trust him to provide the wisdom, direction, and strength that we need to endure any financial trial that God allows. Previous Article Next Article More Topics Co-Signing/Surety Read More Investing Read More Priorities Read More