Personal Finance Workbook

Introduction
Stew•ard n. 1. a person put in charge of a large estate 2. an administrator, as of finances and property 3. one responsible for the food and drink, etc. in a club, restaurant, etc. 4. an attendant, as on a ship or airplane — steward•ship n.
(extracted from Websters New World Dictionary, Second College Edition, Copyright © 1984, 1978, 1976, 1972, 1970 by Simon & Schuster, Inc., 1230 Avenue of the Americas, New York, N.Y. 10020

"Not that I speak from want; for I have learned to be content in whatever circumstances I am. I know how to get along with humble means, and I also know how to live in prosperity; in any and every circumstance I have learned the secret of being filled and going hungry, both of having abundance and suffering need. I can do all things through Him who strengthens me. And my God shall supply all your needs according to His riches in glory in Christ Jesus." Philippians 4:11-14, 19

The president of the American Red Cross, Elizabeth Dole, said in a letter to a Christian that, “Life is a privilege, a responsibility and a stewardship to be met according to His calling.” Stewardship of life implies that every aspect of our lives should reflect our relationship with God. One area that people struggle with frequently is that of finances. Everything we have is on loan from God—including the money God allows us to earn at work.

Looking at Paul’s letter to the Philippians (above) it is clear that he knew how to handle his finances. He was able to get by during times of prosperity and during times of poverty. For Paul, having money (or not having money) was never an issue of concern. Can any of us make the same claim?

When evaluating your own finances, whether as an individual or a family, remember to prayerfully consider your situation. This workbook has been designed to help you evaluate your current financial situation and provide you with the biblical perspective on finances.
Top

<Back Next >

Biblical Position on Giving, Savings, and Debt

Introduction

Needs and Desires

The Debt Trap

The Ease of Debt Growth

Debt Repayment

The True Cost of Debt

Plotting Financial Goals

Gifts Given Record

Debt Records

Statement of Net Worth

Monthly Income Statement

Monthly Cash Flow Recording Sheet

Percentage Guide

Income Graph

Where Do We Go From Here?

Biblical Guidelines

Financial Objectives

Glossary of Terms

Reference List & Acknowledgements