Search Results

Download the Copland Excel Budget Template. Written and video instructions are available to guide you through the forms. Copland Budgeting System Copland Excel Budget Template Excel Budget Template Written Explanation about Copland Budgeting System (PDF) How to Use the Copland Excel Budget Template How to Use the Copland Excel Budgeting System Template Play Video Share Whole Channel This Video Facebook Twitter Pinterest Tumblr Copy Link Link Copied Search videos Search video... Now Playing Overview 01:55 Play Video Now Playing CFM- Budgeting System-Form 1- Assets and Liabilities 03:15 Play Video Now Playing Form 2 01:07 Play Video Now Playing Form 3 03:49 Play Video Now Playing Form 4 03:05 Play Video Now Playing Form 5 04:18 Play Video Now Playing Form 6 08:11 Play Video Now Playing Form 7 00:47 Play Video Initial budget, typical budget, budget where downsizing is necessary

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. 
 Previous Next

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!! Back to Testimonials 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 Previous Next

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. 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

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

1. God owns all the money. “‘The silver is mine and the gold is mine,’ declares the LORD Almighty” (Haggai 2:8). Back to Stewardship Principle God Owns Everything By: Tom Copland June 15, 2020 1. God owns all the money. “‘The silver is mine and the gold is mine,’ declares the LORD Almighty” (Haggai 2:8). At the time this verse was written, silver and gold were used as a means of exchange (i.e., like money), so I believe a modern-day interpretation of this verse would be that God owns all the money. 2. God owns all the livestock. “Hear, O my people, and I will speak O Israel, and I will testify against you: I am God, your God. I do not rebuke you for your sacrifices or your burnt offerings, which are ever before me. I have no need of a bull from your stall or of goats from your pens, for every animal of the forest is mine, and the cattle on a thousand hills.” (Psalm 50:7–10, emphasis added) At the time this verse was written, many people retained material wealth in their livestock, and this was frequently a measure of one’s material resources. 3. God created everything and therefore owns everything: “The earth is the LORD’s, and everything in it, the world, and all who live in it; for he founded it upon the seas and established it upon the waters.” (Psalm 24:1, 2) Everything in the heavens and earth is yours O Lord, and this is your kingdom. We adore you as being in control of everything. Riches and honour come from you alone, and you are the Ruler of all mankind; your hand controls power and might, and it is at your discretion that men are made great and given strength. (1 Chronicles 29: 11, 12 TLB) For Christians, I think the most important thing is to acknowledge, in heart and in mind, that God owns everything. In order to do this practically, is important to learn and implement God’s principles as outlined in his Word and utilize the material resources that God has given us according to God’s will and not our own will. Previous Article Next Article More Topics The Joseph Principle Read More Debt Principles Read More Counsel & Wisdom Read More

Copland Financial Ministries provides free financial advice based on biblical principles. Please consider donating to support this ministry. Donations can be made online through PayPal or by mailing a cheque to our office. Donate We appreciate you taking the time to check our donation page. You can donate online by completing the form below or mail a cheque payable to Copland Financial Ministries at: 325 Renfrew Drive, Suite 301 Markham, ON L3R 9S8 Canada info@biblefinance.org Canadian Charitable Registration No. 818256802 RR 0001

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. Back to Stewardship Principle God Requires Faithful Stewards By: Tom Copland June 15, 2020 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. To one servant, he entrusted five talents of money, to another, two talents, and to another, one talent. This is consistent with real life. Nowhere in scripture does God promise to provide everyone with the same amount of material wealth. When the master returned, he found that the servants with five and two talents had each doubled their money. The servant with one talent had buried his, making no effort to invest his master’s money. It’s interesting to note that the praise God gave the servant who had five talents and earned five more was identical to the praise that he gave to the servant who had two talents and earned two more. That praise was, “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, 23). As for the servant who was entrusted with one talent, he was lazy, wicked, and unfaithful to God. In short, he was not a good biblical steward. What was God’s decision with regard to the unfaithful servant who was entrusted with one talent? Matthew 25:28 and 29 states, “Take the talent from him and give it to the one who has the ten talents. For everyone who has will be given more, and he will have an abundance. Whoever does not have, even what he has will be taken from him” (emphasis added). It’s important to understand what this verse means. The words “for everyone who has will be given more” mean that everyone who has been a biblical and faithful steward, God will entrust with more. On the other hand, those have been unfaithful in their stewardship to God will lose even what they have been entrusted with. The servants who were entrusted with five talents and two talents demonstrated faithfulness to God, and thus God entrusted them with more. However, the third servant was not faithful, and therefore even that one talent was taken away from him. I believe that the kind of stewardship that God is looking for could be summarized as follows: Biblical stewardship occurs when a Christian (1) acknowledges in mind and heart that God owns everything (2) acts accordingly—that is, learns and implements God’s principles in managing the money and material things that God has entrusted to him or her (3) utilizes these resources in accordance with God’s will, not one’s own will Previous Article Next Article More Topics The Joseph Principle Read More Debt Principles Read More Counsel & Wisdom Read More

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

Find out when we're broadcasting on your local TV & Radio Stations. 28 Minute Audio Anchor 1

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. Want ed: We are currently in need of an intermediate or senior accountant. _______________ We are currently in need of an intermediate or senior accountant. The ideal candidate should have at least 5 years of public accounting experience and be familiar with preparing financial statements, corporate tax returns and personal tax returns for private businesses. We need an individual who is available for at least 3 to 4 days a week, and we are open to hiring someone on a full-time basis. Our preference is for the candidate to work in our office located in Markham, ON but if you live a long distance away, working remotely may be acceptable. The successful candidate would have significant experience with Caseware, Caseview, Profile tax software, and Microsoft Office. Remuneration will be based upon the individual's training and experience. One unique aspect of our firm is that we give biblically-based financial advice to clients in conjunction with accounting and tax services. If interested, please send your resume at info@copland-ca.com Also feel free to tell to your friends about this ad who you think would qualify and might be interested.

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. UPDATE - God Is Blessing! Keep Reading For A Special Offer _______________ God is continuing to expand His kingdom through Copland Financial Ministries! Here's an overview of what the Lord has done during 2022. The financial moment ministry has grown tremendously - now on 192 radio facilities and 7 TV stations across Canada and some northern United States. Between the Financial Moments and the one-half hour radio and TV shows, we are reaching an estimate of about 2.5 million people a week. Praise God!! That's the hand of the Lord! Although COVID 19 has created a number of challenges, it has also resulted in opportunities. For example, Tom developed and presented a series twice on the topic "Dealing with Inflation and High Interest Rates from a Biblical Perspective" and we had people from almost every province in the country and some from the United States. In addition, we had several small groups on Zoom going through Tom's in-depth study "Financial Management God's Way" led by various small group leaders. Here are some testimonies from people who attended these webinar/small group series: 1. “I sincerely thank you (Copland Financial Ministries) for hosting these wonderful sessions on Financial Management God's Way. I'm forever grateful! I value your insights, along with the tips you gave me. Praise the Lord who enabled me to pay off that mortgage! I'm so glad I'm mortgage-free. What a relief it is! To Him, I give all the glory for what He made happen for me.” SP Toronto, Canada 2. “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 Ontario Canada. 3. "I attended the financial workshop and by God’s grace I was able to pay off my debts supernaturally by God’s provision. I know God transformed my situation after years of financial bondage now I am debt free and can give more and do more for His Glory. I give God the praise and glory for his direction and wisdom, and for you and your financial management course. May your ministry continue to be blessed as you speak God's word into our lives for practical use and adaptation?” SE, Toronto Canada. 4. “I would also 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 finances according to Biblical principles. It has been an eye open experience for me. Thanks Again! I feel truly blessed!” RG, Calgary Alberta. 5. “Dear Tom, I attended one of your courses many years ago. Your teaching and your humbleness before the Lord has stayed with me. Thanks be to God I am debt-free and I'm able to be used to help others in this world. Many thanks for your ministry.” LP, Toronto Canada 6. “I was able to start reading your book today and I’m barely into it and already feel the presence of God as I’m reading. Tom, I truly love you brother. You are such an encouragement to me and so many people. The way you include scripture throughout your writing is so timely and applicable…you teach the Bible so clearly and well. Yes, God has picked you for this ministry and I’m sure thankful for that. God bless you Tom!!” RZ, Holland Landing Ontario. 7. “Thank you for having these workshops. I didn’t realize how much I needed them and how much I needed to change. It has given me encouragement to take my financial picture more seriously and to want to use money God’s way.” AH, Edmonton Alberta. 8. “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 teaching is EXACTLY what I need and want, and I have been learning and applying. I also let others know about it.” BG Saskatchewan, Canada. 9. “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!” PH, Vancouver Canada. 10. “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. God Bless,” DWP, Shaw Bill Québec Canada. Expansion of the ministry. And Darlene continues to expand the ministry through our website and social media. You can follow us on Facebook, Instagram and Twitter under @biblefinance and be sure to check us out at coplandfinancialministries.org and our YouTube channel Copland Financial Ministries. Biblical-based financial counseling Between Tom and his small group leaders/financial coaches, we provided biblically-based financial advice on a ministry bases at no charge to over 1,300 people during the last year [that's up from 1,000 last year]. Hard Copy - Click here eBook - Click here - Use promo code "TOM" for 20% off God enabled Tom to write a new book it’s titled "Debt Reduction, Biblical Principles to Do with Inflation and High Interest Rates and Eliminating Debt". With the incredible increase in interest rates and inflation in the past year, the majority of people are hurting financially. However for those who have followed the biblical financial principles and have no debt, higher interest rates does not affect them. And for those who have saved according to biblical principles [Proverbs 21:20] but this surplus of cash, they will be able to handle the increased cost of living. If you are interested in a physical copy of this book you can click HERE . To purchase the eBook version, click HERE . Use the promo code "TOM" at check-out for 10% off. If you wish to have a copy of the book but cannot afford it, please reply to this email and explain your situation. If it is reasonable and you commit to reading it and pray for our ministry regularly, we will send you the book for free. NOTE: This offer only applies within Canada. Half hour programs We recorded several new half-hour radio and TV programs including: "Dealing with Inflation and High Interest Rates from a Biblical Perspective" and 3 new half-hour programs titled "Investing God's Way". You can watch these on our website www.coplandfinancialministries.org . 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, ON. This year, God opened the door for several additional half-hour shows to go on Miracle Channel in Western Canada, and with respect to Eastern Canada, we now have 9 half-hour programs on the Harvesters stations covering almost all of New Brunswick, Nova Scotia, and PEI. Praise God! 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, so we would encourage you to prayerfully consider giving to this ministry. [We have a donor who will match all donations so when you give your funds are immediately doubled!] Contributions can be made by automatic monthly donations or one time donations. To give, go to coplandfinancialministries.org/donate or send a check to: Copland Financial Ministries 325 Renfrew Drive, Suite 301 Markham, ON L3R 9S8, Canada We are registered with Canada Revenue Agency and will issue donation receipts. Proverbs 3:9, 10 says: "Honor the Lord with your wealth, with the first fruits of all your crops, then your barns to be filled overflowing and your vats will brim over with new wine". Thank you for your prayers and financial support! Tom Copland, President