Search Results

I’d be very grateful to receive a copy of your new book on Biblical principles to deal with inflation. Thank you so much. I’ve been praying for at least 8 months now, asking God to help my son pay down a large income tax debt. I can’t tell you how much your courses are helping me. I’m learning so much. It almost seems overwhelming so I need to keep going over it. Thanks so much. May God richly bless you and your ministry. Back to Testimonials I’d be very grateful to receive a copy of your new book on Biblical principles to deal with inflation " I’d be very grateful to receive a copy of your new book on Biblical principles to deal with inflation. Thank you so much. I’ve been praying for at least 8 months now, asking God to help my son pay down a large income tax debt. I can’t tell you how much your courses are helping me. I’m learning so much. It almost seems overwhelming so I need to keep going over it. Thanks so much. May God richly bless you and your ministry." J. G. 281 Fir Lane Kemptville, Ont K0G 1J0 Previous Next

Many people believe it is good financial thinking to use borrowed money to make a lot of money. In other words, “smart people use other people’s money,” not their own. This is a lie from the world and Satan. The only way that is true is if you can predict the future—that is, know with certainty the direction of markets and the economy. Back to Financial Deceptions Smart People Use Other People's Money By: Tom Copland June 15, 2020 Many people believe it is good financial thinking to use borrowed money to make a lot of money. In other words, “smart people use other people’s money,” not their own. This is a lie from the world and Satan. The only way that is true is if you can predict the future—that is, know with certainty the direction of markets and the economy. The biblical truth is that only God knows the future. Humans can make our best guess about the future, but frequently we are wrong. The past 100 years have shown that no human being can consistently predict the direction of the markets. For example, from 1993 to 2000 the value of most stocks in Canada and the United States increased significantly. With false confidence, many people “used other people’s money”—that is, borrowed capital—with the objective of increasing their returns. From 2000 to 2002, on average, the shares on Toronto and New York exchanges decreased about 50 percent in value. People who used debt lost a lot of money. Some lost not only their original capital but ended up in a deficit as their stocks’ value dropped below the amount they had borrowed. The same principle applies to real estate. During the middle and late 1980s, the value of real estate increased significantly in the Toronto area. Many people believed it would never go down. However, between 1990 and 1995, the values dropped drastically. Some commercial real estate decreased by 75 percent in value, and residential by 50 percent. People with a lot of debt were hurt badly, and in some cases lost their home or investment property. Over the years, I’ve seen many business people try to use significant debt to their advantage. Although there may have been periods when they benefited as the company expanded faster than it otherwise would have, in due course, every business encounters difficult times, and generally, it is companies with a lot of debt that suffer the most, and some are forced into bankruptcy. The Biblical truth is that we do not know what will happen tomorrow. Proverbs 27:1 states, “Do not boast about tomorrow, for you do not know what a day may bring forth.” In other words, there are no “sure deals.” The same principle applies in business. God warns us, 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. What is your life? You are a mist that appears for a little while and then vanishes. Instead, you ought to say, “If it is the Lord’s will, we will live and do this or that.” (James 4:13–15) In summary, we do not know what will happen tomorrow—only God knows the future. Therefore, we should utilize minimal debt—or ideally carry no debt—in regard to investments and business expansion. Overall, the instruction in God’s Word is toward minimal debt, not maximum debt. (Please see my Financial Moments on borrowing for further details.) Previous Article Next Article More Topics The Joseph Principle Read More Co-Signing/Surety Read More Freedom from Financial Anxiety Read More

I hope this email finds you well. I wanted to reach out and express my gratitude for the impact your work has had on my life over the past two years. Your radio programs have been a daily source of inspiration and have guided me towards discovering my purpose. Back to Testimonials Your radio programs have been a daily source of inspiration I hope this email finds you well. I wanted to reach out and express my gratitude for the impact your work has had on my life over the past two years. Your radio programs have been a daily source of inspiration and have guided me towards discovering my purpose. ME Waterloo, Ontario Previous Next

You did fabulous as always! You dove right in and tackled the subjects in such a way as to provide solid answers…but also compelling information that would cause a listener to want more info. Back to Testimonials Fabulous as always! You did fabulous as always! You dove right in and tackled the subjects in such a way as to provide solid answers…but also compelling information that would cause a listener to want more info. Anonymous Previous Next

I have been ‘debt-free’ for a few years. The joy of being debt-free is tremendous. The funds I saved enabled me to go for a few mission trips and to support other missions. I still receive your financial moments which are very helpful…and still tracking my budget using your template. I am also able to go to school for my. God always met my needs, I never have to worry about my school fees…it always showed up when I need to pay a course. Thank you for your teaching and I will continue to pray for your/God’s financial ministries. Back to Testimonials The joy of being debt-free is tremendous I have been ‘debt-free’ for a few years. The joy of being debt-free is tremendous. The funds I saved enabled me to go for a few mission trips and to support other missions. I still receive your financial moments which are very helpful…and still tracking my budget using your template. I am also able to go to school for my. God always met my needs, I never have to worry about my school fees…it always showed up when I need to pay a course. Thank you for your teaching and I will continue to pray for your/God’s financial ministries. Anonymous Previous Next

Thanks again for your time and effort, prayers, and encouragement. Since starting the Copland Budgeting System both my wife and I feel as if a great weight has been lifted, we feel closer to God and closer to each other. My wife says it feels as if the waters have parted and the way has been made clear. Thank you so much for pointing us to God’s wisdom for finances. We are looking forward to working through “Financial Management – God’s Way” Praying for you and your ministry, in Jesus’ precious name. Back to Testimonials Praying for you and your ministry Thanks again for your time and effort, prayers, and encouragement. Since starting the Copland Budgeting System both my wife and I feel as if a great weight has been lifted, we feel closer to God and closer to each other. My wife says it feels as if the waters have parted and the way has been made clear. Thank you so much for pointing us to God’s wisdom for finances. We are looking forward to working through “Financial Management – God’s Way” Praying for you and your ministry, in Jesus’ precious name. Anonymous Previous Next

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