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What's On at Copland Financial Ministries Upcoming Events Thu, Sep 24 Tom Leonard and Michael Howes Small Group-Financial Management God's Way- Thursdays 7:30 pm to 9:30pm / More Details Sep 24, 2026, 7:30 p.m. EDT – Dec 10, 2026, 9:30 p.m. EST Zoom Tom Leonard and Michael will be leading a small group about Financial Management that will start on Sept. 24, 2026 at 7:30pm-9:30pm- Thursday night +62 more Tue, Oct 06 IN-PERSON-Financial Management God's Way by Geoffrey Saliani / More Details Oct 06, 2026, 7:00 p.m. – Dec 08, 2026, 9:00 p.m. Life Branch Church, 10 Lancaster Dr, Dartmouth, NS B3A 4Y9, Canada IN-PERSON- Geoffrey Saliani will be leading an in-person small group about Financial Management that will start on Oct 6, 2026, at 7:00pm-9:00pm- Tuesday night Tue, Oct 06 Randy Ziegenhagel and Al McClaney - Financial Management God’s Way- Tuesday evenings / More Details Oct 06, 2026, 7:30 p.m. EDT – Dec 15, 2026, 9:30 p.m. EST Zoom October 6, 2026 to December 15, 2026 at 7:30pm-9:30pm- Tuesday evenings +54 more Registration Closed Fri, Oct 30 In Person- "The Importance of Saving and Steps to Get Out of Debt" by Tony Martino / More Details Oct 30, 2026, 7:30 p.m. – 9:30 p.m. Bridle Trail Baptist Church, 10 Waterbridge Ln, Unionville, ON L3R 8W9, Canada On October 30 at 7:30pm to 9:30- pm Tony Martino will conduct an In Person workshop at Bridle Trail Baptist Church located at 10 Waterbridge Lane in Markham +4 more Registration Closed Fri, Sep 25 Listen To Tom's Interview/Show On Life 100.3-Money and Spiritual Warfare / More Details Sep 25, 2026, 11:00 a.m. – 12:00 p.m. Life 100.3 FM, Barrie, 115 Bell Farm Rd Suite 111, Barrie, ON L4M 5G1, Canada +1 more Registration Closed Thu, Aug 27 Tom Copland-Management of Money Impacts Your Relationship with God, Spouse and Eternity" / More Details Aug 27, 2026, 11:00 a.m. – 12:00 p.m. Muskoka Bible Centre ️, 8 Pioneer Ave, Huntsville, ON P1H 2J3, Canada Tom has been teaching God's word on finances since 1982 and his financial moments are aired on approximately 200 radio stations and seven TV stations across Canada and some northern United States. Tom is the founder and president of Copland Financial Ministries. +4 more Registration Closed Thu, Aug 06 God's Wisdom on Saving and Steps to Get Out of Debt by Tony Martino / More Details Aug 06, 2026, 11:00 a.m. – 12:00 p.m. Muskoka Bible Centre ️, 8 Pioneer Ave, Huntsville, ON P1H 2J3, Canada Are you like most people who are living paycheck to paycheck? Struggling to make ends meet? Are you and your spouse experiencing stress because of finances? Would you like to reduce your debt and experience God’s peace in the area finances? See All Registration Closed Wed, Jun 17 Alexandra and Joyce Financial Management God's Way Small Group / More Details Jun 17, 2026, 7:00 p.m. EDT – Sep 02, 2026, 9:00 p.m. EDT Zoom Alexandra King and Joyce Rustenburg, small group leaders, will be leading an in-depth biblical financial study titled "Financial Management God's Way” on Zoom. +24 more Registration Closed Sun, Jun 14 Tom Copland, Jonathan Grant , Josh Grant & Elijah Grant -"Mgt of Money Impacts Relation with God, Spouse & Eternity"" / More Details Jun 14, 2026, 12:00 p.m. – 2:00 p.m. Emmanuel Baptist Church, 300 Coldwater Rd W, Orillia, ON L3V 6X5, Canada On June 14, 2026 at 12:00noon to 2pm, Tom Copland, Jonathan Grant,Josh Grant & Elijah Grant will conduct a workshop about Management of Money Impacts Your Relationship with God, Your Spouse and Eternity. In Person only at Emmanuel Baptist Church, 300 Coldwater Rd., Orillia, ON. +13 more Registration Closed Sat, Jun 06 Christine Kewallal Small Group-Financial Management God's Way- Saturday, 10am-12noon / More Details Jun 06, 2026, 10:00 a.m. EDT – Aug 29, 2026, 12:00 p.m. EDT Zoom Christine will be leading another small group about Financial Management that will start on June 6, 2026 +21 more Registration Closed Thu, Apr 09 Tom Leonard and Michael Howes Small Group-Financial Management God's Way- Thursdays 7:30 pm to 9:30pm / More Details Apr 09, 2026, 7:30 p.m. – Jun 25, 2026, 9:30 p.m. Zoom Tom Leonard and Michael will be leading a small group about Financial Management that will start onSept. 10-Nov. 26, 2026 +57 more Registration Closed Sun, Mar 22 Tom Copland, Jonathan Grant , Josh Grant & Elijah Grant -Handling Money God's Way-(In-Person Only ) (Meta Registration) / More Details Mar 22, 2026, 6:00 p.m. – May 10, 2026, 8:00 p.m. Emmanuel Baptist Church, 300 Coldwater Rd W, Orillia, ON L3V 6X5, Canada Starting March 22, 2026, 6pm to 8pm, Tom Copland, Jonathan Grant,Josh Grant & Elijah Grant will conduct a workshop about Handling Money God's Way In Person only at Emmanuel Baptist Church, 300 Coldwater Rd., Orillia, ON. +4 more Registration Closed Tue, Jan 13 Eli and Tony Financial Management God's Way Small Group-Tuesday 7:00pm-9:00pm / More Details Jan 13, 2026, 7:00 p.m. EST – Feb 24, 2026, 9:00 p.m. EST Zoom Tony and Eli will be conduction another amazing small group session that will start on January 13, 2026 +54 more Registration Closed Thu, Oct 30 Randy Ziegenhagel and Al McClaney - Financial Management God’s Way- Thursday evenings / More Details Oct 30, 2025, 7:30 p.m. – Feb 05, 2026, 9:30 p.m. Zoom October 30, 2025 to February 5, 2026- Thursday evenings +26 more Registration Closed Sun, Oct 26 Tom Copland, Josh Grant and Jonathan Grant-In-Person Only -Handling Money God's Way / More Details Oct 26, 2025, 6:00 p.m. Emmanuel Baptist Church, 300 Coldwater Rd., Orillia, ON Starting March 22, 2026, 6pm to 8pm, Tom Copland, Josh Grant and Jonathan Grant will conduct a workshop about Handling Money God's Way In Person only at Emmanuel Baptist Church, 300 Coldwater Rd., Orillia, ON. Here's the schedule: March 22, March 29, April 5, [we will skip April 12 Easter Sunda +70 more Registration Closed Sat, Oct 25 Tony Martino - In-Person Event Only - Financial Management God's Way For Men / More Details Oct 25, 2025, 9:30 a.m. – 11:15 a.m. EDT Brampton, 11613 Bramalea Rd, Brampton, ON L6R 4B7, Canada Financial Management God's Way For Men, October 25, 2025 at Hope City Church 11613 Bramalea Rd Brampton, ON L6R 0C2 Register in this link To register please scan the QR code in this link https://hopebram.infellowship.com/Forms/478721 Registration Closed Sun, Oct 19 Tom Copland, Josh Grant and Jonathan Grant - In-Person & Online -Secular vs. Biblical Perspective On Managing Money / More Details Oct 19, 2025, 6:00 p.m. – 8:00 p.m. EDT Emmanuel Baptist Church, 300 Coldwater Rd., Orillia, ON Oct. 19, 2025, 6pm to 8pm, Tom Copland, Josh Grant and Jonathan Grant will conduct a workshop about Secular vs. Biblical Perspective on Managing Money , In Person and Online at Emmanuel Baptist Church, 300 Coldwater Rd., Orillia, ON. +184 more Registration Closed Tue, Sep 16 Efrain Soto and Tom Leonard- Financial Management God's Way- Tuesday, 7:30pm to 9:30pm / More Details Sep 16, 2025, 7:30 p.m. EDT – Dec 02, 2025, 9:30 p.m. EST Zoom Starting September 16, 2025- Dec. 2, 2025. every Tuesday at 7:30pm to 9:30pm, Efrain Soto, Tom Copland and Tom Leonard , will be leading an in-depth biblical financial study titled "Financial Management God's Way” via Zoom. +99 more Load More Thu, Sep 24 Tom Leonard and Michael Howes Small Group-Financial Management God's Way- Thursdays 7:30 pm to 9:30pm / More Details Sep 24, 2026, 7:30 p.m. EDT – Dec 10, 2026, 9:30 p.m. EST Zoom Tom Leonard and Michael will be leading a small group about Financial Management that will start on Sept. 24, 2026 at 7:30pm-9:30pm- Thursday night +62 more Tue, Oct 06 IN-PERSON-Financial Management God's Way by Geoffrey Saliani / More Details Oct 06, 2026, 7:00 p.m. – Dec 08, 2026, 9:00 p.m. Life Branch Church, 10 Lancaster Dr, Dartmouth, NS B3A 4Y9, Canada IN-PERSON- Geoffrey Saliani will be leading an in-person small group about Financial Management that will start on Oct 6, 2026, at 7:00pm-9:00pm- Tuesday night Tue, Oct 06 Randy Ziegenhagel and Al McClaney - Financial Management God’s Way- Tuesday evenings / More Details Oct 06, 2026, 7:30 p.m. EDT – Dec 15, 2026, 9:30 p.m. EST Zoom October 6, 2026 to December 15, 2026 at 7:30pm-9:30pm- Tuesday evenings +54 more

Several years ago, I counselled an individual who had accumulated significant debt on his credit cards. To lower his interest costs and to be able to make appropriate repayments, it made sense to restructure his debt. Back to Financial Deceptions Debt Restructuring Will Solve Your Financial Problems By: Tom Copland June 14, 2020 Several years ago, I counselled an individual who had accumulated significant debt on his credit cards. To lower his interest costs and to be able to make appropriate repayments, it made sense to restructure his debt. He obtained a line of credit from his bank at a much lower interest rate and used those funds to pay off his credit cards. At the same time, I emphasized to him that restructuring his debt was treating the symptom and not the problem. The real problem was that he and his wife were spending more than they were earning, and they had been doing this for a couple of years. I strongly recommended that they develop and implement a budget with the objective of ensuring that they spend less than they earn on a monthly basis so that they can use the surplus to pay down debt. Unfortunately, they did not do so, and within three years they had accumulated new credit card debts. Since his bank line of credit had been fully utilized, it was necessary to take out a second mortgage on his home to pay off the new debt. Again, I emphasized the importance of spending less than their income. About four years later, he came to me again with the same problem. With all sources of credit maximized, it was necessary to withdraw money from the couple’s RRSPs to pay off the high-interest credit card debt and satisfy the credit card companies. This resulted in two new problems: first, a tax liability because of the RRSP withdrawals and second, a significant concern that they would not have sufficient funds for retirement. At this point, you may well think that this individual cannot be very astute financially. Actually, the reverse is true. He is a chartered accountant who understood and agreed with the advice. However, because he and his wife were not prepared to make the necessary sacrifices to reduce their personal spending, today they are reaping the negative consequences. Sometimes the root of financial problems goes beyond the financial sphere and into the spiritual. Some spiritual problems that can give rise to financial problems include covetousness, lack of contentment, greed, selfishness, and pride. These mindsets are clearly contrary to God’s Word. Often it is necessary for a Christian to meditate on God’s Word with regard to finances in order to think differently about money and material things. Romans 12:2 states, “Do not conform any longer to the pattern of this world, but be transformed by the renewing of your mind.” In summary, if you are in debt, may I encourage you to do two things: 1. Develop and implement a budget to ensure that you are spending less than you are earning, and use the surplus to pay off your debts. For a free copy of my firm’s Excel-based budgeting template, see the Budgeting page. 2. Study and meditate on God’s Word regularly with regard to finances. Previous Article Next Article More Topics The Joseph Principle Read More Co-Signing/Surety Read More Freedom from Financial Anxiety Read More

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

In Ecclesiastes 11:1–6, God recommends the assumption of a reasonable amount of risk within your investment portfolio. Assess your Tolerance for Risk and Invest Accordingly Back to Investing By: Tom Copland October 19, 2021 In Ecclesiastes 11:1–6, God recommends the assumption of a reasonable amount of risk within your investment portfolio. “Cast your bread upon the waters, for after many days you will find it again” was a metaphorical expression used in the grain trade that illustrated the potential successful prospects of a business investment. God instructs the farmer, who is also an investor, to “sow your seed in the morning, and at evening let not your hands be idle, for you do not know which will succeed, whether this or that, or whether both will do equally well.” In addition, over-cautiousness is discouraged——“Whoever watches the wind will not plant; whoever looks at the clouds will not reap.” In Proverbs 31:10–31 the “wife of noble character” is involved in several equity-type investments. For example, in verse 16, “she considers the field and buys it; out of her earnings she plants a vineyard.” There are many other examples of investors in the Bible, such as the servants in the parable of the talents (Mathew 25) and Solomon and Job. In short, it is biblical to assume some investment risk. However, God demonstrates how to minimize your risk by diversifying your investments into seven or eight different categories, because you do not know what disaster may come upon any particular company or sector of the market (Ecclesiastes 11:2.) See my two financial moments on biblical diversification for further details. On “a macro basis,” the risk of any portfolio is generally reflected by its allocation between equities and safe investments such as Canada bonds/GICs, etc. The appropriate amount of investment risk that a Christian should assume will depend upon numerous factors, such as your age, when you will need the money, and your tolerance for risk. Assessing your tolerance for risk can be difficult. Generally, it is necessary to experience some good and bad markets before you will really understand your own personal risk tolerance. Certainly, if your present portfolio allocation is too volatile (i.e., the fluctuations cause you to be anxious) then reduce equities and increase short-term government of Canada bonds. In his book, Sound Mind Investing, Austin Pryor has an excellent questionnaire that can help you assess your tolerance for risk. (See soundmindinvesting.com.) Based on God’s investment principles, it is not appropriate for a Christian to be overly cautious (which may reflect a mindset of fear); nor is it appropriate for a Christian to be too aggressive (which often reflects an attitude of greed). Both extremes are outside of God’s will. Under normal market and economic conditions, generally, a conservative investor should have at least 20 percent in equities, while an investor with a high tolerance for risk, should not go beyond 80 percent. The average person may feel comfortable with an allocation of approximately 50% in equities. The types of equity investments within your portfolio (i.e., “blue-chip stocks” as opposed to “speculative stocks”) will also affect the level of risk you are assuming. In all cases, I strongly recommend that no debt be used for investments because God’s Word strongly discourages the use of debt (Proverbs 22:7). In summary, depending on God’s wisdom (James 1:5), assess your tolerance for risk and invest the money that God has entrusted to you [1 Corinthians 4: 2], according to his principles [Psalms 119:24] and his specific will [Psalms 25:12]. Previous Article Next Article More Topics Freedom from Financial Anxiety Read More Priorities Read More Counsel & Wisdom Read More

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

Discover expert finance tutoring with our Accountant services. Enhance your financial skills and knowledge with our experienced Accountant tutors. 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.

Bible verses about money, greed and contentment, giving, debt, saving and work, with one-minute videos from Tom Copland. Download a free printable verse list. Bible Verses About Money What does the Bible say about money? God cares how we earn, spend, save, give and borrow, because “where your treasure is, there your heart will be also” (Matthew 6:21). Below are key Bible verses about money, grouped by topic. Each topic has a one-minute Financial Moments video where Tom Copland explains what those verses mean for everyday life. A free printable list of every verse is at the bottom of this page. Contentment & greed Contentment isn’t having everything you want. It’s trusting that God will provide what you need. Hebrews 13:5 “Keep your lives free from the love of money and be content with what you have, because God has said, ‘Never will I leave you; never will I forsake you.’” 1 Timothy 6:6–8 “But godliness with contentment is great gain. For we brought nothing into the world, and we can take nothing out of it. But if we have food and clothing, we will be content with that.” 1 Timothy 6:9–10 “Those who want to get rich fall into temptation and a trap and into many foolish and harmful desires that plunge people into ruin and destruction. For the love of money is a root of all kinds of evil.” Luke 12:15 “Watch out! Be on your guard against all kinds of greed; life does not consist in an abundance of possessions.” Ecclesiastes 5:10 “Whoever loves money never has enough; whoever loves wealth is never satisfied with their income.” Philippians 4:11–13 “I have learned to be content whatever the circumstances… I can do all this through him who gives me strength.” Matthew 6:24 “No one can serve two masters… You cannot serve both God and money.” Proverbs 30:8 “Give me neither poverty nor riches, but give me only my daily bread.” God owns it all: biblical stewardship We don’t own our money; we manage what God has entrusted to us. Psalm 24:1 “The earth is the Lord’s, and everything in it, the world, and all who live in it.” Haggai 2:8 “‘The silver is mine and the gold is mine,’ declares the Lord Almighty.” 1 Chronicles 29:12 “Wealth and honor come from you; you are the ruler of all things.” Deuteronomy 8:18 “But remember the Lord your God, for it is he who gives you the ability to produce wealth.” 1 Corinthians 4:2 “Now it is required that those who have been given a trust must prove faithful.” Luke 16:10 “Whoever can be trusted with very little can also be trusted with much.” Giving & tithing God asks for our first and best, given freely from a grateful heart. Proverbs 3:9 “Honor the Lord with your wealth, with the firstfruits of all your crops.” Malachi 3:10 “Bring the whole tithe into the storehouse, that there may be food in my house.” 2 Corinthians 9:7 “Each of you should give what you have decided in your heart to give, not reluctantly or under compulsion, for God loves a cheerful giver.” Acts 20:35 “It is more blessed to give than to receive.” Matthew 6:3–4 “When you give to the needy, do not let your left hand know what your right hand is doing, so that your giving may be in secret.” 1 Chronicles 29:14 “Everything comes from you, and we have given you only what comes from your hand.” Debt & borrowing Borrowing isn’t a sin, but Scripture warns about its dangers and tells us to repay what we owe. Proverbs 22:7 “The rich rule over the poor, and the borrower is slave to the lender.” Romans 13:8 “Let no debt remain outstanding, except the continuing debt to love one another.” Psalm 37:21 “The wicked borrow and do not repay, but the righteous give generously.” Proverbs 22:26–27 “Do not be one who shakes hands in pledge or puts up security for debts; if you lack the means to pay, your very bed will be snatched from under you.” James 4:13–14 “Now listen, you who say, ‘Today or tomorrow we will go to this or that city, spend a year there, carry on business and make money.’ Why, you do not even know what will happen tomorrow.” Saving & planning The Joseph Principle: save in good years so you’re ready for lean ones. Proverbs 21:20 “The wise store up choice food and olive oil, but fools gulp theirs down.” Genesis 41:34–36 “Take a fifth of the harvest of Egypt during the seven years of abundance… This food should be held in reserve for the country, to be used during the seven years of famine.” Proverbs 6:6–8 “Go to the ant, you sluggard; consider its ways and be wise! It has no commander… yet it stores its provisions in summer and gathers its food at harvest.” Proverbs 21:5 “The plans of the diligent lead to profit as surely as haste leads to poverty.” Proverbs 13:22 “A good person leaves an inheritance for their children’s children.” Ecclesiastes 11:2 “Invest in seven ventures, yes, in eight; you do not know what disaster may come upon the land.” Budgeting & managing well Planning ahead is wisdom. Jesus Himself used the example of counting the cost. Luke 14:28 “Suppose one of you wants to build a tower. Won’t you first sit down and estimate the cost to see if you have enough money to complete it?” Proverbs 27:23 “Be sure you know the condition of your flocks, give careful attention to your herds.” Proverbs 24:3–4 “By wisdom a house is built, and through understanding it is established; through knowledge its rooms are filled with rare and beautiful treasures.” Luke 16:11 “So if you have not been trustworthy in handling worldly wealth, who will trust you with true riches?” 1 Timothy 5:8 “Anyone who does not provide for their relatives, and especially for their own household, has denied the faith.” Proverbs 22:6 “Start children off on the way they should go, and even when they are old they will not turn from it.” Work & income Work is part of God’s design: earn a steady living from your work and have something to share. Colossians 3:23 “Whatever you do, work at it with all your heart, as working for the Lord, not for human masters.” Proverbs 14:23 “All hard work brings a profit, but mere talk leads only to poverty.” Proverbs 10:4 “Lazy hands make for poverty, but diligent hands bring wealth.” 2 Thessalonians 3:10 “The one who is unwilling to work shall not eat.” Ephesians 4:28 “…doing something useful with their own hands, that they may have something to share with those in need.” Luke 3:14 “Be content with your pay.” Wisdom & godly counsel Before a big financial decision, seek God’s wisdom in His Word and get godly advice. James 1:5 “If any of you lacks wisdom, you should ask God, who gives generously to all without finding fault, and it will be given to you.” Proverbs 15:22 “Plans fail for lack of counsel, but with many advisers they succeed.” Proverbs 3:5–6 “Trust in the Lord with all your heart and lean not on your own understanding; in all your ways submit to him, and he will make your paths straight.” Psalm 32:8 “I will instruct you and teach you in the way you should go; I will counsel you with my loving eye on you.” Psalm 119:105 “Your word is a lamp for my feet, a light on my path.” Proverbs 12:15 “The way of fools seems right to them, but the wise listen to advice.” Get-rich-quick schemes God’s way is slow and steady, not the lottery, speculation or chasing wealth. Proverbs 28:20 “A faithful person will be richly blessed, but one eager to get rich will not go unpunished.” Proverbs 13:11 “Dishonest money dwindles away, but whoever gathers money little by little makes it grow.” Proverbs 23:4–5 “Do not wear yourself out to get rich… 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 28:22 “The stingy are eager to get rich and are unaware that poverty awaits them.” Mark 4:19 “…but the worries of this life, the deceitfulness of wealth and the desires for other things come in and choke the word, making it unfruitful.” 1 Timothy 6:17 “Command those who are rich in this present world not to be arrogant nor to put their hope in wealth, which is so uncertain, but to put their hope in God.” Treasures in heaven Money is temporary. How we use it can have eternal value. Matthew 6:19–21 “Do not store up for yourselves treasures on earth… But store up for yourselves treasures in heaven… For where your treasure is, there your heart will be also.” 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.” Luke 12:20–21 “You fool! This very night your life will be demanded from you… This is how it will be with whoever stores up things for themselves but is not rich toward God.” Mark 8:36 “What good is it for someone to gain the whole world, yet forfeit their soul?” Colossians 3:2 “Set your minds on things above, not on earthly things.” Ecclesiastes 5:15 “Everyone comes naked from their mother’s womb, and as everyone comes, so they depart. They take nothing from their toil that they can carry in their hands.” More one-minute Financial Moments Watch more of Tom Copland’s one-minute videos on contentment and godly attitudes toward money. Money is neutral Play Video The Love of money Play Video It is not wrong to have a lot of money Play Video Worldly attitudes versus Godly attitudes Play Video Godly Attitudes Toward Money Watch Now Share Whole Channel This Video Facebook Twitter Pinterest Tumblr Copy Link Link Copied Share Channel Info Close Keep learning, free of charge 1. Download the free printable verse list. Every verse on this page on two pages, to keep in your Bible or on the fridge. 2. Take the free online course. Financial Management God’s Way, 11 sessions. Start with Session 1. 3. Join a free small group. Work through the course with others. 4. Download the free workbook. Follow along at your own pace. 5. Get new Financial Moments by email. Join our email list . Scripture quotations taken from The Holy Bible, New International Version® NIV®. Copyright © 1973, 1978, 1984, 2011 by Biblica, Inc.™ Used by permission. All rights reserved worldwide. Download verse list (PDF) Start the free course Find a small group Get the workbook Join our email list

Debt was so easy to get into. But I am trusting God to find the way out of debt and we learned guidelines on how to manage money better, biblically through the workshop. Back to Testimonials Debt Was So Easy To Get Into Going through financial management God's way has helped me to see how many worldly financial deceptions that have trapped me and my husband. I can see why I was so confused. Debt was so easy to get into. But I am trusting God to find the way out of debt and we learned guidelines on how to manage money better, biblically through the workshop. Cleared up many things that had me confused before. I believe God guided us to this workshop. CC Orillia Ontario Previous Next

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I learn so much from your teachings. How you know the scriptures and how you apply them to our finances and to our daily living. Thank you so much. I appreciate all you knowledge that you share. Back to Testimonials Thank you so much. I appreciate all you knowledge that you share. I learn so much from your teachings. How you know the scriptures and how you apply them to our finances and to our daily living. Thank you so much. I appreciate all you knowledge that you share. Susan C Facebook follower Previous Next

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

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