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People are still commenting about the significant blessing your seminar series “Handling Money God’s Way” was. We had over 200 individuals sign up for this – and about one-third of those were from outside our church – praise God!! In one session, you shared how to have a personal relationship with Christ and we offered new testaments to anyone who wanted one, and over 30 people took one. Back to Testimonials God's Word on finances more effectively People are still commenting about the significant blessing your seminar series “Handling Money God’s Way” was. We had over 200 individuals sign up for this – and about one-third of those were from outside our church – praise God!! In one session, you shared how to have a personal relationship with Christ and we offered new testaments to anyone who wanted one, and over 30 people took one. I have been using your resources with couples who ask me to marry them….This has been such a blessing to know that couples are being prepared for marriage in such a biblical and practical way. Tom, we are very grateful for the way you have served, by equipping, that is enabling us to teach God’s Word on finances more effectively. Anonymous Previous Next

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 15, 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

Financial problems frequently cause significant stress and anxiety, but God can provide his peace, no matter how difficult your financial problems. Jesus said, “Peace I leave with you; my peace I give you. I do not give to you as the world gives. Do not let your hearts be troubled and do not be afraid” (John 14:27). Back to Freedom from Financial Anxiety God Gives Peace in Regard to Finances By: Tom Copland June 15, 2020 Financial problems frequently cause significant stress and anxiety, but God can provide his peace, no matter how difficult your financial problems. Jesus said, “Peace I leave with you; my peace I give you. I do not give to you as the world gives. Do not let your hearts be troubled and do not be afraid” (John 14:27). The first step to obtaining God’s peace in the midst of financial difficulties is prayer. Rejoice in the Lord always. I will say it again: Rejoice! Let your gentleness be evident to all. The Lord is near. Do not be anxious about anything, but in everything, by prayer and petition, with thanksgiving, present your requests to God. And the peace of God, which transcends all understanding, will guard your hearts and your minds in Christ Jesus. (Phil. 4:4–7) God promises that if we ask him, with a thankful heart, then he will give us a peace that is beyond our understanding. By the way, I do not believe that this is something that we can figure out or earn. It is fundamentally a gift from God: “Now may the Lord of peace Himself continually grant you peace in every circumstance” (2 Thess. 3:16 NASB). When under financial pressure, it is extremely important that you focus your attention on God, not on the financial problem. Isaiah 26:3 states, “You will keep him in perfect peace, whose mind is stayed on You” (NKJV). In other words, God promises us his peace if we focus on him and trust him to enable us to deal with our financial problems. As well as focusing on God for his peace when you are under financial pressure, it is also extremely important to focus on God and his Word to learn his principles with regard to finances. Sometimes, the reason for your financial problems is that you have violated one or more biblical principles, perhaps unknowingly. In this regard, I recommend the 10-week small-group study developed by Crown Financial Ministries. If it is not currently available through your church, you can contact Crown Financial Ministries of Canada at 519-637-0626. Previous Article Next Article More Topics Co-Signing/Surety Read More Investing Read More Priorities Read More

Discover Financial Management God's Way with our interactive videos. Learn biblical stewardship, budgeting, and investing God's way today! Financial Management God's Way Introduction Management of money on our relationship with God and God’s promises on our stewardship responsibilities. Financial Management God's Way Introduction 1 of 2 Play Video Facebook Twitter Pinterest Tumblr Copy Link Link Copied Now Playing Financial Management God's Way Introduction 1 of 2 04:01 Play Video Now Playing Financial Management God's Way Introduction 2 of 2 04:00 Play Video Introduction Financial Management God's Way Session 1 - 1 of 15 Play Video Facebook Twitter Pinterest Tumblr Copy Link Link Copied Now Playing Financial Management God's Way Session 1 - 1 of 15 01:21 Play Video Now Playing Financial Management God's Way Session 1 - 2 of 15 03:02 Play Video Now Playing Financial Management God's Way Session 1- 3 of 15 02:08 Play Video Now Playing Financial Management God's Way Session 1- 4 of 15 02:53 Play Video Session 1: Management of Money What are God’s “true riches” that are dependent upon one’s management of money? Session 1 Session 2: Christian Stewardships What is your understanding of Christian Stewardship or Biblical Stewardship? Financial Management God's Way Session 2 -1 of 15 Play Video Facebook Twitter Pinterest Tumblr Copy Link Link Copied Now Playing Financial Management God's Way Session 2 -1 of 15 01:17 Play Video Now Playing Financial Management God's Way Session 2 - 2 of 15 04:32 Play Video Now Playing Financial Management God's Way Session 2 - 3 of 15 03:09 Play Video Now Playing Financial Management God's Way Session 2 - 4 of 15 04:33 Play Video Session 2 Financial Management Session 3 part 1 Play Video Facebook Twitter Pinterest Tumblr Copy Link Link Copied Now Playing Financial Management Session 3 part 1 00:33 Play Video Now Playing Financial Management Session 3 part 2 05:27 Play Video Now Playing Financial Management Session 3 part 3 07:04 Play Video Now Playing Financial Management Session 3 part 4 05:08 Play Video Session 3: Biblical Stewards Do you think there’s a difference between a secular perspective and a biblical perspective on managing money and material things? Session 3 Session 4: God's Perspective on Debt and the Importance of Saving Be careful, if you borrow money you may become a servant to the lender Financial Management Gods Way Session 4 - 1 of 3 Play Video Facebook Twitter Pinterest Tumblr Copy Link Link Copied Now Playing Financial Management Gods Way Session 4 - 1 of 3 20:46 Play Video Now Playing Financial Management Gods Way Session 4 - 2 of 3 07:07 Play Video Now Playing Financial Management Gods Way Session 4 - 3 of 3 11:31 Play Video Session 4 Financial Management Session 5 part 1 Play Video Facebook Twitter Pinterest Tumblr Copy Link Link Copied Now Playing Financial Management Session 5 part 1 03:25 Play Video Now Playing Financial Management Session 5 part 2 02:57 Play Video Now Playing Financial Management Session 5 part 3 05:42 Play Video Now Playing Financial Management Session 5 part 4 03:09 Play Video Session 5: Get Out of Debt Pray and ask God for His wisdom and His specific direction as to what you should do to become debt-free Session 5 Session 6: Budgeting The purpose of budgeting is to ensure that you spend less than you earn so that you have a surplus to pay down debt and save for future needs. Financial Management Session 6 part 1 Play Video Facebook Twitter Pinterest Tumblr Copy Link Link Copied Now Playing Financial Management Session 6 part 1 03:02 Play Video Now Playing Financial Management Session 6 part 2 04:33 Play Video Now Playing Financial Management Session 6 part 3 01:57 Play Video Now Playing Financial Management Session 6 part 4 01:30 Play Video Session 6 Financial Management Gods Way Session 7 - 1 of 12 Play Video Facebook Twitter Pinterest Tumblr Copy Link Link Copied Now Playing Financial Management Gods Way Session 7 - 1 of 12 06:59 Play Video Now Playing Financial Management Gods Way Session 7 - 2 of 12 02:51 Play Video Now Playing Financial Management Gods Way Session 7 - 3 of 12 01:55 Play Video Now Playing Financial Management Gods Way Session 7 - 4 of 12 05:51 Play Video Session 7: Obtaining Godly Counsel & Wisdom 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. But when he asks, he must believe and not doubt. Session 7 Session 8: Giving Generously To learn to give generously to God’s work and experience the joy of giving Financial Management Gods Way Session 8 - 1 of 6 Play Video Facebook Twitter Pinterest Tumblr Copy Link Link Copied Now Playing Financial Management Gods Way Session 8 - 1 of 6 01:04 Play Video Now Playing Financial Management Gods Way Session 8 - 2 of 6 04:17 Play Video Now Playing Financial Management Gods Way Session 8 - 3 of 6 07:32 Play Video Now Playing Financial Management Gods Way Session 8 - 4 of 6 02:20 Play Video Session 8 Financial Management Gods Way Session 9 - 1 of 7 Play Video Facebook Twitter Pinterest Tumblr Copy Link Link Copied Now Playing Financial Management Gods Way Session 9 - 1 of 7 07:39 Play Video Now Playing Financial Management Gods Way Session 9 - 2 of 7 04:19 Play Video Now Playing Financial Management Gods Way Session 9 - 3 of 6 07:33 Play Video Now Playing Financial Management Gods Way Session 9 - 4 of 7 02:49 Play Video Session 9: Investing God's Way Invest money God’s way and God will meet your needs. Develop and implement a biblically-based investment strategy. Session 9 Session 10: Developing Godly Attitudes Toward Money Worldly Attitudes result in DEBT. Godly attitudes result in minimal debt or no debt. Financial Management Gods Way Session 10 - 1 of 12 Play Video Facebook Twitter Pinterest Tumblr Copy Link Link Copied Now Playing Financial Management Gods Way Session 10 - 1 of 12 01:47 Play Video Now Playing Financial Management Gods Way Session 10 - 2 of 12 04:43 Play Video Now Playing Financial Management Gods Way Session 10 - 3 of 12 03:57 Play Video Now Playing Financial Management Gods Way Session 10 - 4 of 12 05:30 Play Video Session 10 Financial Management Gods Way Session 11 - 1 of 12 Play Video Facebook Twitter Pinterest Tumblr Copy Link Link Copied Now Playing Financial Management Gods Way Session 11 - 1 of 12 08:11 Play Video Now Playing Financial Management Gods Way Session 11 - 2 of 12; Smart People Use Other People’s Money 02:56 Play Video Now Playing Financial Management Gods Way Session 11 - 3 of 12 03:23 Play Video Now Playing Financial Management Gods Way Session 11 - 4 of 12 03:00 Play Video Session 11: Financial Deceptions Do you think living paycheck to paycheck is common? Jesus recommends that you save for future needs. Session 11

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

It is now 2026 and we are so blessed to say our business is debt free! We are only in our early forties, with Gods help this is possible for you too! All the glory goes to God! Back to Testimonials Business Testimonial We thought having large amounts of debt to run a business was a good and normal practice. We were very stressed and we did not give to the Lords work regularly. We new something was wrong and we needed to change our financial system. Something did change, in 2019 the Lord directed us to Copland Financial Ministry. We signed up to take the small group classes was offered [on Zoom titled "Financial Management God's Way"]. We learned so much. The Bible is full of financial wisdom. We got very serious about handling our finances Gods way. We started aggressively paying down our debt and giving to the Lord regularly. It is now 2026 and we are so blessed to say our business is debt free! We are only in our early forties, with Gods help this is possible for you too! All the glory goes to God! L & A Saskatchewan, 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

Discover engaging workshops about financial management with our Finance Tutor. Join our featured workshop to enhance your financial skills today! Workshops Featured Workshop Featured Workshop Feb 15, 2021 webinar-Overview & Relationship With Spouse & God Play Video Feb 22, 2021-Session 2-God Wants Us To Discern His Will & Relationship With God Play Video March 1, 2021-Session 3- Learn to listen to God & Biblical Guidelines Play Video March 8 2021- Session 4-Challenges To Discerning God's Will & Tough Case Study Play Video Discerning God's Will In Managing Money Webinar Series (2021) Watch Now Share Whole Channel This Video Facebook Twitter Pinterest Tumblr Copy Link Link Copied Share Channel Info Close Discerning God's Will in Managing Money Webinar Series (2021) This webinar series covers the following topics: 1. Relationship with God & your spouse 2. God wants us to discern His Will 3. Learn to listen to God 4. Challenges to discerning God's Will Download the PDF course materials below. Download PDFs Oct. 19 and 26, 2025- Emmanuel Baptist Church Secular Person Versus Biblical Steward Watch Now June 8, 2024- Ajax Alliance Church This emphasize more on “Biblical Estate-Planning Russell and Eli Watch Now Sept. 30, 2023- Workshop This emphasize more on “Dealing with High Interest Rates and inflation from a Biblical Perspective”. Tom's Workshop at Parkway Watch Now July 19, 2023- Budgeting Tom's Zoom Webinar about Budgeting Watch Now Sept. 18- Oct. 9, 2022- Westney Baptist Church Dealing With Inflation, High Interest Rates From A Biblical Perspective And Eliminating Debt- Tom Copland and Pastor Don Symons Watch Now Oct. 31- Nov. 21, 2022 Workshop with Tom Copland Session of 1 of 4- What Can you Do to Deal with Inflation and High Interest Rates Watch Now Advanced Biblically-Based Estate Planning God's Word, the Bible, has phenomenal wisdom on finances. Watch Now Debt Reduction God's Way for Individuals God's promises and our stewardship responsibilities. Watch Now Biblical Instructions for Engaged Couples The Bible contains 500 verses on faith and 2,350 verses on money and material things. Watch Now Financial Management God's Way for Women The Bible contains about 500 verses on prayer, 500 verses on faith, and 2,350 verses that deal with money and material things. Clearly, God's Word has incredible wisdom for us in managing money! Watch Now Financial Management God's Way Webinar Are you experiencing God's peace in the area of finances? If not, you're probably not managing money God's way. Watch Now Financial Management & Debt Reduction Presented at Muskoka Bible Centre. Featuring Financial Management Impacts Relationship with Spouse and Debt Reduction God's Way. Watch Now Financial Management God's Way for Singles Paying down debt, saving for future needs, and balancing one's cash flow are often more difficult for single people compared to married couples with two incomes. Although the biblical principles are the same, the practical application of the biblical principles can be different for singles. Watch Now April 10, 2022- Budgeting The purpose of budgeting is to ensure that you spend less than you earn so that you have a surplus to pay down debt and save for future needs. A proper budgeting system will provide the “financial facts” needed in order to make wise decisions. Guesswork and "gut feel" decisions are very dangerous Watch Now April 23, 2022- Financial Management God's Way For Women Clearly God’s Word has incredible wisdom for us in managing money! But unfortunately most Christians have limited knowledge of what the Bible says on finances. Watch Now Featured Workshop 2

Tom Copland teaches how to manage money based on Biblical principles. If you have financial questions, let us know and Tom or one of our trained financial coaches will advise you. https://www.coplandfinancialministries.org/ Need help with your finances? See our Upcoming Events below ⬇️ Scroll Below What We Do Tom Copland teaches how to manage your finances based on Biblical principles. God's Word, the Bible, has incredible wisdom in the area of finances. There are 2,350 references in the Bible to money and material things. God provides us with wisdom in all areas of finances including debt, budgeting, investing, counsel, stewardship, priorities, giving, cosigning, obtaining God's peace, and providing a distinction between worldly attitudes as opposed to godly attitudes with respect to money. If you have financial questions, let us know and Tom or one of our trained financial coaches will advise you. Contact Us Upcoming Events Christine Kewallal Small Group-Financial Management God's Way- Saturday, 9:30am-11:30am Jan 31, 2026, 9:30 a.m. EST – Apr 25, 2026, 11:30 a.m. EDT Zoom More info More Details Tom Copland, Jonathan Grant , Josh Grant & Elijah Grant -Handling Money God's Way-(In-Person Only ) 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 More info More Details Tom Leonard and Michael Howes Small Group-Financial Management God's Way- Thursdays 7:30 pm to 9:30pm Apr 09, 2026, 7:30 p.m. – Jun 25, 2026, 9:30 p.m. Zoom More info More Details Events Featured Tom's New Book Management of Money Impacts Relationship with God, Spouse and Eternity Tom's Daily Devotional Book Financial M oments: Biblical Principles that Will Transform How You Manage Money Featured New Resources Sept. 30, 2023- Dealing with Inflation and Interest Rate- Parkway Watch Series May 3, 2023- Dealing with Inflation and Interest Rate- Zoom Watch Series Managing Money Difficult Times Watch Series God's Financial Wisdom for Young People Watch Series Discerning God's Will in Managing Money Webinar Series (2021) Watch Series Testimonials We thank you for your ministry "My husband and I have greatly benefited from the Debt Reduction CDs and DVDs for Businesses and Individuals. We thank you for your ministry and the impact it has had on our lives, our family, and the people around us. We would like to make monthly donations to Copland Financial Ministries." Anonymous See More Testimonials About the Author and Founder Tom Copland is a servant of the Lord Jesus Christ who has been called to teach God’s Word on finances since 1982. Tom is the founder and president of Copland Financial Ministries and the author of his book Financial Management God’s Way including many other CDs and DVDs. Tom is also a Chartered Professional Accountant (CPA, CA) who operates his own public accounting practice in Toronto, Canada (www.copland-ca.com ). About Author

From spending to saving and from drowning in debt to paying off collections and re-establishing good credit. Giving, saving, and being debt free are my priorities and focusing on the work of God's kingdom instead of the love/hate relationship with money and debt. Back to Testimonials God's provision and answered prayers I have learned and applied Biblical financial principles that have drastically influenced my relationship with money. From spending to saving and from drowning in debt to paying off collections and re-establishing good credit. Giving, saving, and being debt free are my priorities and focusing on the work of God's kingdom instead of the love/hate relationship with money and debt. Paying off what has been in collections for years and learning not to depend on anyone else but God for my provision and answered prayer, trying to live within my means, trying not to be covetous and trusting God for direction that I am doing what's right. VJ 321 West Brooklyn MTN Rd, Wolfville, NS B4P 0N8 Previous Next

It is amazing to hear from you and would be thrilled to speak with you. You were the first human voice I heard as God’s grace filled my life. Please know that at least once God uses your recorded voice to save a human life and to add my name to the Book of Life. Thank you. Back to Testimonials God used you to save a life It is amazing to hear from you and would be thrilled to speak with you. You were the first human voice I heard as God’s grace filled my life. Please know that at least once God uses your recorded voice to save a human life and to add my name to the Book of Life. Thank you. C.L. Halifax, NS, Canada 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