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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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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. Back to Testimonials Thank You Tom for all you do. I can see in the Spirit that Jesus will be Present and He is holding rewards in His both hands for He rewards those who diligently seek him, as you and your team do on a daily basis. Jesus declares that there will be no lack. He will abundantly supply all that is needed. 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. W.P. Shawville Quebec, Canada Previous Next

Thank you Tom Copland for sharing your wisdom and knowledge of the Bible & finance. What you shared about the financial world was spot on - thank God that he has provided His Word to guide us. May our Heavenly Father continue to bless and feed you abundantly. Back to Testimonials Thank you for sharing your wisdom Thank you Tom Copland for sharing your wisdom and knowledge of the Bible & finance. What you shared about the financial world was spot on - thank God that he has provided His Word to guide us. May our Heavenly Father continue to bless and feed you abundantly. R.C. Toronto, ON Previous Next

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 15, 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

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. Back to Testimonials 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 Previous Next

Recently a group of pastors were discussing that their churches were falling behind in their giving and having trouble meeting budgets. I was reluctant to share, less it appears to be bragging, that our church was in fact ahead in this year’s budget and we enjoyed a sizeable surplus. Upon reflection, I concluded that one of the reasons for the excellent response was because we have been scheduling some classes and seminars on personal finances and debt reduction/elimination. Back to Testimonials Daily living for God Recently a group of pastors were discussing that their churches were falling behind in their giving and having trouble meeting budgets. I was reluctant to share, less it appears to be bragging, that our church was in fact ahead in this year’s budget and we enjoyed a sizeable surplus. Upon reflection, I concluded that one of the reasons for the excellent response was because we have been scheduling some classes and seminars on personal finances and debt reduction/elimination. One of the reasons people fail to give what they should is because they are carrying a debt load. I am finding that in addition to giving challenges, debt is placing tremendous stress on marriages and affecting people’s emotional and physical health. Recently, one of the men who was baptized in our church testified to the fact that it was through the financial teaching in our church that he got his spiritual priorities straightened out and realized what that meant for his daily living for God. Anonymous Previous Next

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. Back to Testimonials 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 Previous Next

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

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. Back to Testimonials 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 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 15, 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

Thank you personally for the teaching which was very transformative. Back to Testimonials Financial Management God's Way for Women I was in the seminar yesterday [Financial Management God's Way for Women] and would like to thank you personally for the teaching which was very transformative. IA Toronto, Canada Previous Next

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. Back to Testimonials 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 Previous Next