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"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." Back to Testimonials 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 Previous Next

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. Back to Testimonials 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. I have begun budgeting using the excel budget spreadsheet from the ministry. I have also decided to pay my debts in full by the grace of God. I have corresponded with Tom via email to ask specific financial questions. He has been used by God to help me make the wise decision to forego a “shark-like” high-interest charge. Tom also let me know that my credit card is not for everyday use and that the balance ought to be paid in full each month. The expressions of my gratitude are many. God reveals His love for me in countless ways, and I know this is one of them. Over the years, I have experienced pain because of the management of my finances. I thank God abundantly for His care to help me learn, grow, and mature in specific matters of my finances. Thank you so very much to Tom for his leadership and heart to see people managing their finances God’s way. Far more than the value of any currency is the wealth of life, peace, and gratitude that springs from following and obeying God. I love pleasing Jesus, and although I do fall short, He encourages me forward. The Lord Himself is my strength and help. N.F. Brampton, ON, Canada Previous Next

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: Back to Financial Deceptions You Should Try to Obtain Financial Freedom (ASAP) By: Tom Copland June 15, 2020 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: 1. lottery tickets—sometimes promoted as “Imagine the freedom” 2. aggressive investing—usually with a lot of debt 3. excessive hard work, which is out of balance God’s directive is different. The emphasis in Scripture is to plan and save for future needs slowly over a period of time. “Steady plotting brings prosperity, hasty speculation brings poverty” (Proverbs 21:20 TLB) “He who gathers money little by little makes it grow” (Proverbs 13:11 NIV). “The plans of the diligent lead to profit as surely as haste leads to poverty.” (Proverbs 21:5) Over the past 30 years, I’ve seen many cases in which people who wanted to get rich quickly ended up losing everything. God warns that hasty decisions frequently lead to poverty. In my experience, individuals who have accumulated significant wealth—and retained it—have done so over many years (20 years or longer). At the time the Book of Proverbs was written, most people made their living off the land as farmers. God provides the following admonition: He who works his land will have abundant food, but the one who chases fantasies will have his fill of poverty. A faithful man will be richly blessed, but one eager to get rich will not go unpunished. (Proverbs 28:19, 20 ) In short, God is saying that you should focus on earning your income from your occupation or business. When people invest or get involved in areas that they don’t understand, generally they lose money. (See Proverbs 19:2.) God warns of the dangers of trying to get rich: Do not wear yourself out to get rich; have the wisdom to show restraint. Cast but a glance at riches, and they are gone, for they will surely sprout wings and fly off to the sky like an eagle. (Proverbs 23:4, 5) The Apostle Paul also outlined significant “spiritual risks” of trying to get rich: People who want to get rich fall into temptation and a trap and into many foolish and harmful desires that plunge men into ruin and destruction. For the love of money is a root of all kinds of evil. Some people, eager for money, have wandered from the faith and pierced themselves with many griefs. (1 Timothy 6:9, 10) In summary, the emphasis in scripture is to plan and save for needs over a period of time, without the attitude of trying to get rich quickly. God has promised that if we put him first, then he will meet our needs (Matthew 6:31–33). Previous Article Next Article More Topics The Joseph Principle Read More Co-Signing/Surety Read More Freedom from Financial Anxiety Read More

I just wanted to tell you what a blessing you have been in my life. You have taught me to study scripture, always ensuring that my thoughts match scripture. As people, we are prone to seek an answer to match our opinion as opposed to finding out what scripture has to say first. Ever since taking Financial Management I have tried to make sure that I have scripture backing before I make an opinion on a matter. It has changed many relationships for the better. Thank you! Back to Testimonials You are a blessing I just wanted to tell you what a blessing you have been in my life. You have taught me to study scripture, always ensuring that my thoughts match scripture. As people, we are prone to seek an answer to match our opinion as opposed to finding out what scripture has to say first. Ever since taking Financial Management I have tried to make sure that I have scripture backing before I make an opinion on a matter. It has changed many relationships for the better. Thank you! L.S. ON, Canada Previous Next

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. Back to Priorities Are you Pursuing God's True Riches? By: Tom Copland June 13, 2020 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. But in this verse, Jesus Christ is communicating that our faithfulness (or the lack thereof) in regard to money will significantly affect the extent to which God entrusts us with His “true riches.” I believe that God’s “true riches”—that is, the things that are really important to God—include the following: 1. A Close Personal Relationship with God. There is nothing more important in this life than our relationship with God. The Apostle Paul considered a relationship with Christ more valuable than everything else (Philippians 3:8). 2. God’s Peace. God has promised his peace when we are directed by His Spirit: “But the mind controlled by the Spirit is life and peace” (Romans 8:6). 3. God’s joy. God has promised us his joy when we are in His presence. Psalm 16:11 states, “In your presence is the fullness of joy” (NKJV). At first, it may be difficult to believe that faithful stewardship (or the lack thereof) with money would affect one’s relationship with God and one’s peace and joy. However, in Matthew 6:24, Jesus made it clear that money can be a serious competitor in our relationship with God: “No one can serve two masters. Either he will hate the one and love the other, or he will be devoted to the one and despise the other. You cannot serve both God and Money.” Let me give you one common example of how our relationship with money affects our relationship with God. If an individual or couple are spending more than they earn on a monthly basis, then in due course, they will experience financial problems. Generally, people under significant financial stress will be focused on those problems, which will take up a lot of their time and energy. This will inadvertently affect their relationship with God. Jesus said, “For where your treasure is, there your heart will be also” (Matthew 6:21). In addition, the anxiety that comes from financial problems and excessive debt will generally result in a lack of peace and joy in one’s life. I’ve never met anyone who was happy about missing a mortgage payment or car loan payment. In summary, your faithful stewardship of the money that God has trusted to you will enable you to enjoy God’s “true riches”—which include a close personal relationship with God, God’s peace, and God’s joy. Previous Article Next Article More Topics Investing Counsel & Wisdom Stewardship Principle Read More Read More Read More

Thanks so much for the opportunity to take Financial Management God's Way. Blessings to Tom and his team. 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

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! Back to Testimonials 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 Previous Next

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. Back to Priorities A Spiritual Barometer By: Tom Copland June 13, 2020 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. I believe that how an individual handles money is an external visible indicator of an internal spiritual condition. As a practical matter, I believe that answering the following questions can help you determine where you are at spiritually in regard to your finances. 1. Do you give “the first fruits” to God’s work, or does God get the leftovers? Proverbs 3:9, 10 states, “Honor the LORD with your wealth, with the first fruits of all your crops; then your barns will be filled to overflowing, and your vats will brim over with new wine.” The guideline in scripture is to give at least 10 percent of your income to God’s work. 2. Do you borrow money without consulting God? God warns that those who borrow money may become a servant to the lender: “The borrower is a servant to the lender” (Proverbs 22:7). 3. Do you feel envious or jealous of what other people have materially? Exodus 20:17 warns against this. 4. When you have a material need or want, do you pray and wait patiently for God to provide in a manner that is glorifying to Him? Psalm 37:7 states, “ Be still before the LORD and wait patiently for Him.” 5. Have you developed and implemented a budget? A budget is simply a tool used for financial planning. In his illustration of building a tower (Luke 14:28–30), Jesus makes it clear that if we don’t plan ahead, we are foolish. 6. Are you content with God’s provision, or do you constantly want more? “But godliness with contentment is great gain... But if we have food and clothing, we will be content with that.” (1 Timothy 6:6, 8) 7. Do you spend quality time with God in prayer and reading God’s Word before you make any major financial decision? God has promised that he will direct us: “I will instruct you and teach you in the way you should go; I will counsel you and watch over you” (Psalm 32:8). May I encourage you to spend some quality time in prayer with God right now and ask him to reveal any areas of your life that God would like you to change in regard to your finances. Previous Article Next Article More Topics Investing Counsel & Wisdom Stewardship Principle Read More Read More Read More

Discover how God is Blessing! with cfm services. Explore financial management God's way through cfm services and support our growing ministry. God is Bless ing! An update on how God is spreading His Word on finances Media Reach Radio The Financial Moments are on 155 radio facilities across Canada and northern United States. Tom's half-hour shows are on 15 radio stations across Canada, including WDCX radio in Buffalo. Praise God! TV Tom's half-hour programs and Financial Moments continue to be aired on Miracle Channel (Western Canada), Yes TV (Ontario, Calgary, and Edmonton), Vision TV (nationwide), Faith TV (based in Winnipeg), and Joy TV (based in Vancouver). Reach Between the financial moments and the one half hour radio and TV shows, we are reaching between 1,500,000 and 2,000,000 people every week. That's the hand of the Lord! Financial Management God's Way Courses Although COVID 19 has created a number of challenges, it has also resulted in opportunities. For example, Tom led an 11-week webinar titled "Financial Management God's Way for Singles". We averaged between 75 and 100 people on each session, and the attendees were from coast-to-coast in Canada and some from the United States. Financial Ministry is growing Tom I'm 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 my life, I really believe that. I also developed a new money mindset. I am learning to walk in God's ways of managing money. J.C. Waterloo, 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. My involvement in this study has benefitted my personal relationship with God. As mentioned in the workshop by Tom, 'if our hearts are dominated by money and related problems, how can we love God with all our heart?' I wish I had learned these principles sooner. I would encourage everyone to take this workshop. L.G. Toronto, ON, Canada Thank you for sharing your testimony Thank you Tom. The teaching session was really helpful and thank you for sharing your testimony. I really needed to hear many the things that were being taught and discussed. You're a great example of faithfulness to the Lord. R.S. Prince George, BC, Canada Biblical-Based Financial Counseling Between Tom and his small group leaders/financial coaches, we provided biblically-based financial advice on a ministry basis at no charge to over 1,000 people during the last year (that's up from 750 last year). Tom's New Book! God enabled Tom to write a new book. It's titled "Financial Moments: Biblical Principles That Will Transform How You Manage Money". Castle Quay is the publisher, and the book will be distributed to Canada & United States – 17 countries in total! If you are interested in a physical copy of this book, you can purchase it here . Half-Hour Programs We recorded several new half-hour radio and TV programs including: "The Dangers of Cosigning", "Management of Money Impacts Relationship with Spouse", and "Investing God's Way" along with numerous new Financial Moments. We continue with the half-hour TV shows on Vision TV (nationwide), Joy TV (based in Vancouver. BC), and Faith TV (based in Winnipeg. MB) as well as the half-hour shows on WDCX Radio (Buffalo/Toronto, ON), half-hour shows on Faith FM radio stations in London, Kitchener and Woodstock and 10 radio stations in Eastern Canada, as well as Focus on the Family on Wednesdays and weekends praise God! This year, God opened the door for the half-hour shows to go on YES TV Ontario, Calgary and Edmonton as well as Miracle Channel in Western Canada, thus reaching thousands of people in Western Canada. Consider Giving to Copland Financial Ministries As usual, Tom receives no remuneration whatsoever, and almost all the people involved in the ministry are volunteers, however, there are significant radio and TV costs, and so we would encourage you to prayerfully consider giving to this ministry. Of interest, we have a donor who will match all donations, so when you give your funds, they are immediately doubled. If you can, automatic monthly donations are best as it allows us to predict our cash flow better or if you prefer to do a one-time donation, all donations are appreciated. To give, go to our website or send a check to: Copland Financial Ministries 325 Renfrew Drive, Suite 301 Markham, ON L3R 9S8 Canada If you have questions, send an email to tcopland@zing-net.ca . We are registered with Canada Revenue Agency and will issue donation receipts. In Matthew 16:27, Jesus said, "For when the Son of Man returns in his father's glory with his Angels, he will reward each person according to what they have done". Thank you for your prayers and financial support! Copland Financial Ministries

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. Back to Priorities Treasures in Heaven By: Tom Copland June 13, 2020 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. These are the things that we tend to prize during our lifetime but that will have no importance when we get to heaven. The apostle Paul made it clear: “For we brought nothing into the world, and we can take nothing out of it” (1 Timothy 6:7). On the other hand, “treasures in heaven” include things that will be important to us when we get to heaven. I believe that “treasures in heaven” include salvation (as one’s salvation will last for eternity) and the rewards in heaven that God promises to his faithful stewards. The concept of rewards in heaven is difficult to grasp in concrete terms because we don’t really know what heaven will be like, and scripture does not explicitly describe heavenly rewards. However, it is important to realize that what we do here on earth does have an effect on what awaits us in heaven. 1 Timothy 4:7 tells us that “godliness has value for all things, holding promise for both the present life and the life to come.” Godliness includes the way we handle our finances. We read about treasures in heaven again in 1 Timothy 6:18, 19: “Command them to do good, to be rich in good deeds, and to be generous and willing to share. In this way, they will lay up treasure for themselves as a firm foundation for the coming age, so that they may take hold of the life that is truly life.” In the Parable of the Talents, the concept of rewards is specifically linked to faithful financial stewardship. To servants who have been faithful stewards, God has promised that he will put them “in charge of many things” and that they will enjoy happiness with their master. Jesus said, “Well done, good and faithful servant! You have been faithful with a few things; I will put you in charge of many things. Come and share your master’s happiness!” (Matthew 25:21). As human beings, it is easy to get focused on money and material things that we can enjoy while we are here on earth. However, because money and material things are temporary, it is the wise Christian who focuses on “treasures in heaven.” Colossians 3:1, 2 states, “Since, then, you have been raised with Christ, set your hearts on things above, where Christ is seated at the right hand of God. Set your minds on things above, not on earthly things.” May I encourage you to take a few minutes right now and pray, asking God to reveal to you how you need to adjust your focus from treasures on earth to treasures in heaven. Previous Article Next Article More Topics Investing Counsel & Wisdom Stewardship Principle Read More Read More 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

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. God's Financial Wisdom for churches and Church Leaders Session 1: God’s Wisdom on Debt & Saving Learn to Listen to God & Discerning God’s will. Sessions 1- God's wisdom on debt and saving for churches Play Video Facebook Twitter Pinterest Tumblr Copy Link Link Copied Session 1 Sessions 2 - God s wisdom on debt and saving for churches Play Video Facebook Twitter Pinterest Tumblr Copy Link Link Copied Session 2: Budgeting, Raising Funds Teaching Members God’s financial Wisdom and Questions before Borrowing Session 2 Sessions 3 God's wisdom on debt and saving for churches Play Video Facebook Twitter Pinterest Tumblr Copy Link Link Copied Session 3: Church Case Studies You've been faithful with a few things. I'll. I'll trust you, with you, with many things. Come and share your master's happiness. Session 2