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  • Bible Finance | Copland Financial Ministries

    Listen to Tom's Interview by Life 100.3 Tom's latest radio interview on the topic "God's Financial Wisdom For Churches And Church Members" Listen 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 Financial Management God's Way - Leader: Efrain Soto Tue, May 14 Zoom May 14, 2024, 7:00 p.m. EDT – Jul 30, 2024, 9:00 p.m. EDT Zoom May 14, 2024, 7:00 p.m. EDT – Jul 30, 2024, 9:00 p.m. EDT Zoom Efrain Soto , small group leader, will be leading an in-depth biblical financial study titled "Financial Management God's Way” on Zoom. +16 more More Details Financial Management God's Way Small Group- Alexandra and Joyce Fri, Jun 14 Zoom Jun 14, 2024, 8:00 p.m. EDT – Aug 30, 2024, 10:00 p.m. EDT Zoom Jun 14, 2024, 8:00 p.m. EDT – Aug 30, 2024, 10:00 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. +20 more 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 During Difficult Times Including a Pandemic 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

  • Downloadable PDFs | Copland Financial Ministries

    Downloadable PDFs Resources from Tom's past seminars and workshops Financial Management God's Way Presented at Agincourt Pentecostal Church Download Debt Reduction God's Way Presented at Bayfair & Westney Baptist Church Download Handling Money God's Way For individuals and families. Presented at First Filipino Baptist Church Download God's Perspective on Money Presented at Scarborough Grace Church Download God's Wisdom in Managing Money Interactive series presented at Greenhills Christian Fellowship Download God's Perspective on Debt Series with suggested solutions presented at InTouch Ministries Download Debt Reduction God's Way Interactive series presented at Morningstar Christian Fellowship Download Administración Financiera con Base en los Principios de Dios Financial Management God's Way - Spanish Version Download Discerning God's Will in Managing Money Advanced series presented by Tom Copland Download

  • Workshops | Copland Financial Ministries

    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 Feb 22, 2021-Session 2-God Wants Us To Discern His Will & Relationship With God Play Video 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 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

  • Counsel & Wisdom | Copland Financial Ministries

    Counsel & Wisdom Back to Articles From God 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) Read More From God's Word Howard Dayton, CEO of Crown Financial Ministries completed an in-depth study of the Bible and found that God’s Word contains 2,350 references to money and material things. In addition, 16 of the 24 parables that Jesus Christ gave us deal with money and material things. Read More From Godly Financial Advisers God admonishes us to obtain counsel. Proverbs 12:15 states, “The way of a fool is right in his own eyes, But a wise man is he who listens to counsel” (NASB), and Proverbs 15:22 states, “Plans fail for lack of counsel, but with many advisers, they succeed.” Read More

  • From God | Copland Financial Ministries

    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

  • Praying for you and your ministry | Copland Financial Ministries

    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

  • God Gives Peace in Regard to Finances | Copland Financial Ministries

    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

  • My spirit feels with your advice | Copland Financial Ministries

    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

  • I have been blessed to be a part of this Biblical teaching! | Copland Financial Ministries

    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

  • What if you Have Already Co-Signed a Loan? | Copland Financial Ministries

    Back to Co-Signing/Surety What if you Have Already Co-Signed a Loan? By: Tom Copland June 15, 2020 Statistics demonstrate that in more than 50 percent of instances when someone has co-signed, it is the cosigner, not the borrower, who ends up paying the loan. If you have already cosigned for a loan, I strongly recommend that you take the advice given by God to do everything possible to free yourself from the financial obligation related to cosigning. Proverbs 6:1–5 states, My son, if you have put up security for your neighbour, if you have struck hands in pledge for another, if you have been trapped by what you said, ensnared by the words of your mouth, then do this, my son, to free yourself,… press your plea with your neighbour! Allow no sleep to your eyes, no slumber to your eyelids. Free yourself, like a gazelle from the hand of the hunter, like a bird from the snare of the fowler. The words “have struck hands in pledge for another” mean that you have shaken hands confirming that you are responsible for the financial obligation of someone else. God’s Word is clear that if you have cosigned for someone else, you should do everything possible to free yourself from that responsibility. Here are some practical suggestions to do this. First, I recommend that you spend some quality time in prayer acknowledging that you have violated one of God’s principles and asking God to provide a way for you to free yourself from the “cosigning obligation.” In some cases, that will require a miracle from God. Next, I suggest that you approach the lender and see if it is possible to free yourself from the legal obligation. However, unless the borrower’s credit rating or assets have improved significantly since the loan was taken out, most lenders will not release a cosigner. Another option would be to see whether you can find another financial institution that would lend money to the borrower with no cosigner. Once this is accomplished, you could have the borrower use the funds from this loan to pay off the original loan that you co-signed. Generally, if a lending institution has requested a cosigner in the first place, there is a high probability that the borrower was not a good credit risk. Frequently, people are not a good credit risk because historically they have not managed their money well. If this is the case, you can certainly reduce your risk of being liable for the loan by encouraging and assisting the borrower in managing his or her finances. I strongly recommend the materials provided by Crown Financial Ministries (www.crown.org ), whose focus is to teach God’s Word on managing money. Previous Article Next Article More Topics Financial Deceptions Read More Freedom from Financial Anxiety Read More Investing Read More

  • It Makes Sense to Buy Now and Pay Later | Copland Financial Ministries

    Back to Financial Deceptions It Makes Sense to Buy Now and Pay Later By: Tom Copland June 15, 2020 Today almost anything can be purchased with little or no down payment—automobiles, furniture, boats, snowmobiles, etc. Advertisements enticing you with “no payments and no interest” for one to two years are very common. Obtaining credit today is very easy, and it is not uncommon for banks to encourage people to take out a line of credit against the increased value of their homes. “Easy credit” creates a big temptation to “buy now and pay later.” As a result, many people buy things on credit that they cannot afford and frequently do not really need. God’s directive is for us to wait for his provision and his timing. Psalm 37:7 states, “Rest in the Lord and wait patiently for Him” (NASB, emphasis added). Lamentations 3:24 states, “The Lord is my portion; therefore I will wait for Him” Over the past 27 years, I have seen many situations in which Christians have prayed and asked God to meet a particular need. For example, several years ago a Christian couple with a very modest income needed a new vehicle. They prayed and asked God to meet this need, and they waited for God’s provision. Within a few months, someone in their church gave them a used van that was in excellent shape. Clearly, God did provide in a manner that was glorifying to him! Praise God! If you have a need, and if you pray to wait upon the Lord, God can provide in many ways—such as an unexpected income, a better deal, or perhaps another alternative. Unfortunately, today many Christians do not pray and wait for God’s provision. In a sense, they don’t even give God a chance to provide for their needs. Because it is so easy to “buy now and pay later,” they just buy what they want without consulting God and without waiting for God’s provision. In Matthew 6:31–33, God promised that he will meet our needs: “Do not worry, saying, ‘What shall we eat?’ or ‘What shall we drink?’ or ‘What shall we wear?’ For the pagans run after all these things, and your heavenly Father knows that you need them. But seek first his kingdom and his righteousness, and all these things will be given to you as well.” Please note that God has promised to meet our needs but not necessarily our wants and desires. God has also instructed us to be content with what he has provided: 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.” (Hebrews13:5) In summary, God has promised that he will meet our needs and that it is his desire for us to wait for his provision and his timing. This is very different from the mindset of “buy now and pay later.” Previous Article Next Article More Topics The Joseph Principle Read More Co-Signing/Surety Read More Freedom from Financial Anxiety Read More

  • Radio Inteviews | Copland Financial Ministries

    Radio Interviews 100.3 Barrie, Ontario Life 100.3 Calgary, Alberta AM 700 The Light AM 700 Calgary, Alberta AM 700 The Light WDCX Buffalo, NY, USA WDCX Radio Harvesters FM Halifax, Nova Scotia Harvesters FM 98.1 CKVM Lethbridge, Alberta 98.1 CKVM

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