Discover the principles of Handling Money God's Way. Join our sessions on stewardship, debt, budgeting, and more to transform your finances today! Handling Money God's Way Session 1: Stewardship Stewardship is acknowledging in your heart and mind that God owns everything Handling Money God's Way - Stewardship - 1 of 3 Play Video Facebook Twitter Pinterest Tumblr Copy Link Link Copied Now Playing Handling Money God's Way - Stewardship - 1 of 3 28:02 Play Video Now Playing Handling Money God's Way -Stewardship - 2 of 3 28:02 Play Video Now Playing Handling Money God's Way -Stewardship - 3 of 3 28:02 Play Video Session 1 Handling Money God's Way - God's Wisdom On Debt & Saving - 1 of 3 Play Video Facebook Twitter Pinterest Tumblr Copy Link Link Copied Now Playing Handling Money God's Way - God's Wisdom On Debt & Saving - 1 of 3 28:02 Play Video Now Playing Handling Money God's Way - God's Wisdom On Debt & Saving - 2 of 3 28:02 Play Video Now Playing Handling Money God's Way 2 - God's Wisdom On Debt & Saving - 3 of 3 28:02 Play Video 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 2 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 Handling Money God's Way - Steps To Get Out Of Debt - 1 of 3 Play Video Facebook Twitter Pinterest Tumblr Copy Link Link Copied Now Playing Handling Money God's Way - Steps To Get Out Of Debt - 1 of 3 28:02 Play Video Now Playing Handling Money God's Way - Steps To Get Out Of Debt - 2 of 3 28:02 Play Video Now Playing Handling Money God's Way - Steps To Get Out Of Debt - 3 of 3 28:02 Play Video Session 3 Session 4 Part 3 Biblical Principles of Investing Play Video Facebook Twitter Pinterest Tumblr Copy Link Link Copied Now Playing Session 4 Part 3 Biblical Principles of Investing 28:02 Play Video Now Playing Session 4 Part 1of 4 - Budgeting 28:02 Play Video Now Playing Session 4 Part 5 Copland Budgeting System 28:02 Play Video Now Playing Session 4 Part 2 - Budgeting and Investing 23:24 Play Video Session 4: Budgeting Includes biblical principles of investing Session 4 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 5 -Part 1 Financial deceptions Play Video Facebook Twitter Pinterest Tumblr Copy Link Link Copied Now Playing Session 5 -Part 1 Financial deceptions 25:28 Play Video Now Playing Session 5- Part 2 Financial deceptions 26:19 Play Video Now Playing Session 5 -Part 3 Financial deceptions 27:00 Play Video Session 5 Session 6 - Part 1 of 3 Developing Godly Attitudes Towards Money Play Video Facebook Twitter Pinterest Tumblr Copy Link Link Copied Now Playing Session 6 - Part 1 of 3 Developing Godly Attitudes Towards Money 26:48 Play Video Now Playing Session 6 - part 2 of 3 Developing Godly Attitudes Towards Money 26:53 Play Video Now Playing Session 6 - part 3 of 3 Developing Godly Attitudes Towards Money 26:58 Play Video Session 6: Developing Godly Attitudes Towards Money Session 6

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! Back to Testimonials Sincerest thanks and may the Lord continue to bless you, your family and Copland financial ministries. Dear Tom, 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! I'm not exaggerating, in any way, that my life is so much fuller with her in it. Her help and wonderful person she is are a miracle in motion. I am/we are so incredibly blessed to have made this connection through you. I was near to giving up, in my own affairs, but feel so much hope moving forward. And, especially relieved and thankful for help with Paul's affairs. Sincerest thanks and may the Lord continue to bless you, your family and Copland financial ministries. SR & PN Stouffville Ontario Canada Previous Next

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. Back to Financial Deceptions Living Paycheck to Paycheck is Okay By: Tom Copland June 14, 2020 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. However, God says it is foolish: “The wise man saves for the future, but the foolish man spends whatever he gets” (Proverbs 21:20 TLB). Unfortunately, most people fall into the foolish category as they do not regularly save for things such as 1. anticipated non-monthly expenses (e.g., property taxes, annual insurance premiums) 2. normal unexpected expenditures (e.g., automobile repairs, home repairs) 3. a significant reduction in the family’s income (e.g., one spouse out of work) In my experience, a “cushion” in your savings account of four to eight months’ worth of expenses is reasonable and prudent. God’s Word is clear that a wise man saves for the future. In his example of building a tower (Luke 14:28–30), Jesus clearly communicated that if you don’t plan for future expenses, you are foolish. Saving for the future would include setting aside sufficient funds on a monthly basis to provide for non-monthly expenses. For example, if your family’s annual vacation costs $1800, then God’s principles would suggest that you save $150 per month throughout the year so that you have sufficient funds to pay for your vacation and avoid unnecessary debt. Some non-monthly expenses, such as automobile repairs, will have to be estimated. Although these estimates will not be perfect, generally it is possible over the year to anticipate and regularly save to cover most, if not all, of your automobile maintenance. On a longer-term basis, God’s principles would encourage saving for future needs such as retirement and your children’s education. In my experience, most parents don’t save for education until about one year before a child starts attending college or university. Generally, I recommend that parents start saving for education shortly after the child is born. For example, $100 per month invested at 7 percent will accumulate to a total of more than $43,000 within 18 years. In summary, living paycheque to paycheque is not consistent with God’s Word. God’s Word is clear that we should plan ahead and save for future needs. To accomplish this practically, it will be necessary to develop and implement a budget. An Excel-based budgeting system is available at no cost from my firm on the Budgeting page. Previous Article Next Article More Topics The Joseph Principle Read More Co-Signing/Surety Read More Freedom from Financial Anxiety Read More

It has become very clear that what I thought was a biblical view towards money was somewhat off base. This course has taught me that…an intimate walk with God…is the only way to be a good steward of the resources God has given us. Back to Testimonials A good steward of the resources God has given us It has become very clear that what I thought was a biblical view towards money was somewhat off base. This course has taught me that…an intimate walk with God…is the only way to be a good steward of the resources God has given us. Anonymous Previous Next

I love listening to your radio show on Faith FM 99.9 London. Your heart for ministry and our Lord is most appreciated; a real person ministering to real people, with real solutions drawn from the word of God. Thanks for your ministry. It's always an encouragement. Back to Testimonials Financial Moment Listener I love listening to your radio show on Faith FM 99.9 London. Your heart for ministry and our Lord is most appreciated; a real person ministering to real people, with real solutions drawn from the word of God. Thanks for your ministry. It's always an encouragement. C.A. London, ON, Canada Previous Next

"Tom's televised teaching has truly changed my life with respect to better money management and has greatly contributed to a true appreciation for God's word. Back to Testimonials Tom's televised teaching has truly changed my life "Tom's televised teaching has truly changed my life with respect to better money management and has greatly contributed to a true appreciation for God's word. The knowledge, insight, understanding and wisdom I have obtained and growing spiritually with strengthening my faith is profound in my estimation. I owe this fact to good wise people who are God's servants such as Tom himself. God's word on finances is most definitely at the top of the list of what was missing in my life from childhood forward." DS, Calgary Alberta Canada". DS Calgary Alberta Canada Previous Next

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) Back to Counsel & Wisdom From God By: Tom Copland June 15, 2020 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) 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: “But Jehoshaphat also said to the king of Israel, ‘First seek the counsel of the LORD’” (1 Kings 22:5). Isaiah described God as “wonderful in counsel and magnificent in wisdom” (Isaiah 28:29). God’s wisdom will be invaluable in making any financial decision. “The LORD gave Solomon wisdom, just as he had promised him.” (1 Kings 5:12) Similarly, today God will provide his wisdom if we ask in faith. James 1:5 states: “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.” If you want true financial wisdom, the starting point is to have the utmost respect for God—that is “the fear of God.” Proverbs 9:10 states, “The fear of the LORD is the beginning of wisdom, and knowledge of the Holy One is understanding.” If you do not have a personal relationship with God (“knowledge of the holy one”), you will never be able to access true financial wisdom. If you do have a personal relationship with God (Revelation 3:20), it is critical that you study God’s Word for his financial principles and spend quality time with God in prayer listening to his voice. God instructed Job, “Listen to me, be silent, and I will teach you wisdom” (Job 33:33). Jesus said, “My sheep listen to my voice; I know them, and they follow me” (John 10:27). Many times God will speak to us by providing verses from his Word that clearly indicate his wisdom and his direction in a particular situation. For example, God’s admonition to plan ahead (Luke 14:28–30), the dangers of debt (Proverbs 22:7), and the importance of giving to God’s work (Proverbs 3:9, 10) can all provide specific direction in certain situations. However, sometimes there are no verses that specifically apply to your financial decision. Then the only option is to spend quality time with God in prayer, seeking God’s wisdom and direction. God has promised that he will direct us (Psalm 32:8) and provide his wisdom (James 1:5). A committed Christian who has a close personal relationship with God and who spends quality time with God on a regular basis can hear God’s gentle whisper (1 Kings 19:12) and discern God’s will for his life. Whenever I am faced with any important decision, I spend quality time with the Lord, seeking God’s wisdom and direction. I use a spiritual journal to document my prayer requests and what I believe the Lord is saying to me. Specifically, I ask God to speak to my heart and mind and protect me from the enemy and my own selfish desires. I regularly review my journal, and if there is consistency in terms of what God has been saying to me, in faith I accept that as being God’s will for my life and act accordingly. When I have listened and implemented God’s wisdom and God’s specific direction in any financial decision, history has shown that it was the best decision. In summary, whenever you face an important financial decision, you need to “first seek the counsel of the Lord” through prayer and listen to God’s directive for you. God has promised that he will provide his wisdom and his direction to us when we sincerely seek to do his will. Previous Article Next Article More Topics Priorities Read More Stewardship Principle Read More Debt Principles Read More

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. Back to Testimonials 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 Previous Next

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

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

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." Back to Testimonials Tom Copland’s book, Financial Moments "I was fortunate to find Tom Copland’s book, Financial Moments. He clearly shows you how to manage your finances based on Biblical principles. He carefully explains how making your relationship with God your highest priority will bring you the success and peace of mind that you are seeking in dealing with your finances (and every other part of your life for that matter!). He gives specific information and advice based on the God’s Word, the Scriptures, on getting out of debt, budgeting, financial stewardship, running a business, and staying away from worldly views on money that will only get you into trouble. 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." Best regards,
 T.O. Oshawa, Ontario, Canada. 
 T.O Oshawa, Ontario, Canada. 
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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. Back to Testimonials I have been blessed to be a part of this Biblical teaching! "Hello Tom, I have been blessed to be a part of this Biblical teaching! God continues to make a difference in my entire life through this workshop series, because applying Biblical principles on finances, seems to have a domino effect resulting in other areas of my life and health being improved, especially Peace of mind and contentment. This study definitely benefits my personal relationship with God, and helps me to see that it was really lacking in the area of finances. I really appreciate the participants materials/ workbook, because I really like to see things in print, so I can read it. The case studies are very very helpful. Love the highlighted memory verses.I really appreciate the overall STRUCTURE of the course, which is something that I really need. Structure and guidance, specifically BIBLICAL guidance, is really an answer to my prayers. Tony and Eli provided exceptional leadership to our group. They work very well together, they know how to move things along, for efficient use of time, while also recognizing when it is beneficial to spend more time on a certain topic, showing lots of common sense, respect and wisdom. I appreciate that they each have their own personal relationship/ walk with God, and this is evident. Tony and Eli encouraged others to participate, which helps people to grow, come out of our comfort zone ( which I would not have done unless prompted ) and go to a higher level. I was sad when the group was finished, but I plan to do more. Yes, I have made, and continue to make significant changes in the way I manage (God's) money. Overall, 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. Thank you very much. BG Saskatchewan, Canada Previous Next