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Back to Testimonials Thanks be to God I am debt-free Dear Tom, I attended one of your courses many years ago. Your teaching and your humbleness before the Lord has stayed with me. Thanks be to God I am debt-free and I'm able to be used to help others in this world. Many many thanks for your ministry. LP Toronto, Canada Previous Next

What's On at Copland Financial Ministries Upcoming Events Mon, Mar 07 Financial Management God's Way (Liisa Snell & Marilyn Mellis) / Zoom Registration Closed More Details Mar 07, 2022, 7:30 p.m. EST – May 23, 2022, 9:30 p.m. EDT Zoom +29 more Starting March 7, 2022-Monday @ 7:30pm to 9:30 pm EST (Toronto, Canada time), Liisa Snell & Marilyn Mellis, one of my experienced small group leaders, will be leading an in-depth biblical financial study titled "Financial Management God's Way”, by way of the Zoom. Sun, Feb 27 Financial Management God's Way (Dan Tomlinson) / Zoom Registration Closed More Details Feb 27, 2022, 6:00 p.m. EST – May 15, 2022, 8:00 p.m. EDT Zoom +28 more Starting Feb. 27, 2022-Sunday @ 6:00pm to 8:00 pm EST (Toronto, Canada time), Dan Tomlinson, one of my experienced small group leaders, will be leading an in-depth biblical financial study titled "Financial Management God's Way”, by way of the Zoom, so it doesn't matter where you are located. Thu, Feb 24 Financial Management God's Way (Christine Kewallal & Alexandra King) / Zoom Registration Closed More Details Feb 24, 2022, 7:00 p.m. MST – May 12, 2022, 9:00 p.m. MDT Zoom +18 more Starting Feb. 24, 2022-Thursday @ 7:00pm to 9:00 pm MST (Alberta, Canada time),Christine & Alexandra one of my experienced small group leaders will be leading an in-depth biblical financial study titled "Financial Management God's Way”, by way of the Zoom, so it doesn't matter where you are located.

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

Back to Testimonials You are a blessing I just wanted to tell you what a blessing you have been in my life. You have taught me to study scripture, always ensuring that my thoughts match scripture. As people, we are prone to seek an answer to match our opinion as opposed to finding out what scripture has to say first. Ever since taking Financial Management I have tried to make sure that I have scripture backing before I make an opinion on a matter. It has changed many relationships for the better. Thank you! L.S. ON, Canada Previous Next

Back to Testimonials A good steward of the resources God has given us It has become very clear that what I thought was a biblical view towards money was somewhat off base. This course has taught me that…an intimate walk with God…is the only way to be a good steward of the resources God has given us. Anonymous Previous Next

Back to Testimonials Your ministry is a blessing to me Your ministry is a blessing to me & my family. I am very appreciative of your 'all wise' emails. DM Chester Basin, Nova Scotia Canada. Previous Next

Back to Testimonials Daily living for God Recently a group of pastors were discussing that their churches were falling behind in their giving and having trouble meeting budgets. I was reluctant to share, less it appears to be bragging, that our church was in fact ahead in this year’s budget and we enjoyed a sizeable surplus. Upon reflection, I concluded that one of the reasons for the excellent response was because we have been scheduling some classes and seminars on personal finances and debt reduction/elimination. One of the reasons people fail to give what they should is because they are carrying a debt load. I am finding that in addition to giving challenges, debt is placing tremendous stress on marriages and affecting people’s emotional and physical health. Recently, one of the men who was baptized in our church testified to the fact that it was through the financial teaching in our church that he got his spiritual priorities straightened out and realized what that meant for his daily living for God. Anonymous Previous Next

Debt Principles Back to Articles God's Warning - Debt is Dangerous! In this world, we are bombarded with all kinds of advertisements and advice that entice us to borrow money. As a result, many people believe the lie that it’s okay to “buy now and pay later” or that “smart people use other people’s money”. Read More

Financial Deceptions Back to Articles You Should Try to Obtain Financial Freedom (ASAP) Many people believe it is good to try to get rich quickly. Some of the common methods utilized to obtain “Financial Freedom” are as follows: Read More Debt Restructuring Will Solve Your Financial Problems 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. Read More If I Had More Money, I Would Be Happy Many people believe the deception that money will bring happiness. Although additional income can relieve some financial pressures (if the individual or couple manage their money well), money in and of itself does not bring happiness. Money will definitely not provide joy and peace, which only comes from God. Read More It Makes Sense to Buy Now and Pay Later 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. Read More Smart People Use Other People's Money 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. Read More Bankruptcy Will Solve My Financial Problems When people get into financial difficulty, many believe that declaring bankruptcy will solve their financial problems. Unfortunately, bankruptcy just treats the symptom. Read More Living Paycheck to Paycheck is Okay 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. Read More Financial Freedom is Attained by Having Lots of Money Many people believe that financial freedom will be obtained only when they have lots of money and material things. This is a deception from the world. God warns us: “Whoever loves money never has money enough; whoever loves wealth is never satisfied with his income. This too is meaningless” (Ecclesiastes 5:10). Read More

Back to Testimonials The workshop has been very beneficial The workshop has been very beneficial in giving me practical insights in managing my debts based on Biblical principles. I am more mindful now in seeking God's guidance before spending a considerable amount, even in minor purchases. BB Edmonton, Alberta Previous Next

Back to Testimonials Zoom Webinar Testimony We want to say thank you! We have been attending your zoom study on financial management God's way. We have both learned so much. Personally, I never dreamed the Bible had so much to say on finances. We are currently working on a budget for ourselves and are actively paying down our debt. Thank you so much for teaching this awesome study. L.A. Oxbow, SK, Canada Previous Next

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 March 15, 2021- Session 5-Tough case studies & Summary 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 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