Talk 6: Financial Stewardship

CFC Singles for Christ:

Covenant Orientation Weekend 2019
Objectives
Talk 6: Financial Stewardship
● Develop an
understanding of and
appreciation for the
principles of Christian
finance and tithing.
Objectives
Talk 6: Financial Stewardship
● Empower SFCs in wise
stewardships of their
resources, especially their
finances, applying the
principles of Christian
finance.
Objectives ● Instill a desire to support
the work of God in
Couples for Christ through
regular tithing.

Talk 6: Financial Stewardship

Objectives ● Inspire generosity and
responsible
stewardship.

Talk 6: Financial Stewardship

PRINCIPLES OF CHRISTIAN
FINANCE
Everything belongs to ● Scripture readings:
○ Psalm 24:1

God ■ “The Lord’s are the earth and

its fullness; the world and
those who dwell in it.”
○ Haggai 2: 8
■ “Mine is the silver and mine
the gold, says the Lord of
hosts.”
Principles of Christian Finance
We are merely
stewards of what
belongs to God

Principles of Christian Finance

It is God who enables
us to acquire wealth

Principles of Christian Finance

TITHING
Definition

Tithing
Definition The tithe consists of

10%
of an individual’s income after
Tithing taxes from whatever source.
(eg. wages, rents, investments,
business, etc.)
The tithe is given to the immediate body of Christ of
which one is part, and where one draws support for
one’s Christian life.

For us, that basically means SFC and our parish.

Scriptural Basis We rob God if we don’t
(Malachi 3: 7b-10) tithe.

Simply because the

money is His in the first
Tithing
place and He’s just
asking us to turn over
10% of it.
Scriptural Basis (Malachi 3: 7b-10)

We tithe so that
there may be “food in
God’s house.”
Food is life-giving.
The tithe support our
work for the Lord.
Scriptural Basis (Malachi 3: 7b-10)

“Open the floodgates”. God

can never be outdone in
generosity.
We will always receive
more than we give (not
necessarily in terms of
money).
BUT...
T
In the New Testament, we are not
given a set percentage of what to
give.

The tithing in the Old Testament law was for that

specific situation.
Give according to your ability.

“Don’t lay your treasure on this earth… lay up your treasure in heaven where there
are no thieves… because you can never lose it.” (Matthew 6: 19-20)
It is given to support the work of the Lord.
Means of moving Supports the following:
forward in spiritual ● Evangelization
growth ● Support for missionaries
● Formation of members
● Community activities
Tithing ● Administration
● Donations
● Purchase of assets
● International missions
 The only source of
Means of moving
income of CFC Singles
forward in spiritual
for Christ is from
growth
contributions, from its
members.
Tithing
 Members are encouraged to be
generous in supporting financially the
work of the Church.
Means of moving
Monthly remittance of tithe.
forward in spiritual
growth

Tithing
REMEMBER..
1. Give, it is the
right thing to do.
2. The need for money
is God’s practical
way of giving us the
privilege to be His
co-workers.
3. Don’t focus on the 10%
you will give…

… focus on the

90% you already

have.
4. No one has
too little that
he has
nothing to
give.
 Roadmap to
FINANCIAL STABILITY
We need to understand…

God desires our abundance

In all aspects, not just money
Trust God for Provisions
… seek God and his righteousness… (Luke 12: 22 - 34)
Do Our Part
………………
 Utang
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Ku Em Pagk
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SAHOD
You
You Goal

MONEY
You Goal

MONEY
You
You Use

money
You Use Goal

money GIVE
MORE
Increase Decrease
FINANCIAL
Source Use
of Funds STABILITY of Funds
INCREASE SOURCE of Funds
 INCREASE Source of Funds
SALARY PASSIVE INCOME BUSINESS BEWARE OF DEBT
 ● There is NO easy way to
make money unless it is a
scam or it is illegal.
Salaries ● Learn to earn money the old-
fashioned way.
○ Hard work
○ Innovation
○ Resourcefulness

Increase Source of Funds ● Do not be afraid to start from

the bottom and work your
way up.
 Income earned without
working for it actively.
Passive Income ● Stock Market
● Mutual Funds/Trust Funds
● Rental Income
● Time Deposits
● Loan
● Other investments
Increase Source of Funds
 Guidelines in starting a
business:

Business 1.
2.
Do Your Research
Make a Plan
3. Plan Your Finances
4. Choose a Business Structure
5. Pick and Register Your Business
Name
6. Get Licenses and Permits
Increase Source of Funds 7. Choose Your Accounting System
8. Set Up Your Business Location
9. Get Your Team Ready
10. Promote Your Small Business
Take note…

Not everyone is cut out for business

 1. Do not borrow
○ “.... I can earn enough to
pay for what I borrowed…
BEWARE OF DEBT ”
○ If you need to, base it on
your current capacity to
pay

2. Beware of Credit
cards
○ Think of credit card as cash
Take note…

Not all debts are bad.

 INCREASE Source of Funds
SALARY PASSIVE INCOME BUSINESS BEWARE OF DEBT

● Hard work ● Stock Market ● Research ● Avoid borrowing

● Innovation ● Mutual Funds ● Planning ● Avoid credit card
● Resourcefulness ● Trust Funds ● Financing use
● Ask for a raise ● Rental Income ● Business
● Change Company ● Time Deposits Structure
● Loans ● Business Name
● Money Markets ● Licenses and
● Foreign Exchange Permits
● Other Investment ● Accounting
System
● Location
● Team
● Promotion
DECREASE USE of Funds
 DECREASE Use of Funds
SIMPLIFIED LIFESTYLE LEARN TO SAVE MAKE A BUDGET
 ● Don’t live beyond your
means.
○ Avoid impulse buying

Simplified Lifestyle ● Be satisfied:

○ accumulating more
○ desiring less

● Do not believe that

material things will keep
you satisfied.
Decrease Use of Funds ○ Ezekiel 7:19

● Enjoying does not

necessarily mean spending
Save. Save. SAVE.
INCOME - SAVINGS
- TITHES
Decrease Use of Funds = EXPENSE
Saving Tips:
Open Multiple Bank Accounts:
Expense Account:
Payroll
Day to day expense
Savings Account
Emergency Expense
Future Expense
Future Savings
2. Look for banks with high interest rates
 Maintaining Balance to Earn
Bank Product Interest Rate Initial Deposit
Balance Interest

Peso Bonus Saver

Citibank 1.56% 50,000.00 50,000.00 50,000.00
Account

Optimum Savings
BDO 1.25% 30,000.00 30,000.00 30,000.00
Account

Advance Savings
BPI Account with 1.25% 100,000.00 100,000.00 100,000.00
Passbook

Peso High Rate

Citibank 0.85% 100,000.00 NA 100,000.00
Saver Account

eSecure Savings
Security Bank 1.20% 500.00 500.00 5,000.00
Account

Regular Buildup
Security Bank 0.50% 5,000.00 5,000.00 10,000.00
Savings Account

Source:
 Maintaining Balance to Earn
Bank Product Interest Rate Initial Deposit
Balance Interest

Peso Bonus Saver

Citibank 1.56% 50,000.00 50,000.00 50,000.00
Account

Optimum Savings
BDO 1.25% 30,000.00 30,000.00 30,000.00
Account

Advance Savings
BPI Account with 1.25% 100,000.00 100,000.00 100,000.00
Passbook

Peso High Rate

Citibank 0.85% 100,000.00 NA 100,000.00
Saver Account

eSecure Savings
Security Bank 1.20% 500.00 500.00 5,000.00
Account

Regular Buildup
Security Bank 0.50% 5,000.00 5,000.00 10,000.00
Savings Account

Source:
3. Invest In Mutual Funds / Stock Markets
Stocks / Stock Market:

A stock indicates owning a share in a Corporation representing a piece of the Firm’s

assets or earnings.
Any person who is willing to make a contribution to the capital of the company can
have a share if it is available to the general public.
Mutual Fund:

A mutual fund is an investment security that enables investors to pool their money
together into one professionally managed investment. Mutual funds can invest in
stocks, bonds, cash, or a combination of those assets.
In simpler terms, mutual funds are like baskets. Each basket holds certain types of
stocks, bonds or both, combined into one mutual fund portfolio.
Google search…

“What is the difference between stock market and Mutual Funds”

“How to start investing in Mutual Funds”

“What is stock market?”

 ● Track your expenses
● Beware of recurring “one -
time” purposes
Make a Budget ● Beware of SALES
○ 0% spent is still better than
50% off.
● Include tithe in the budget

Decrease Use of Funds

INCOME - SAVINGS - TITHES

= Expenses
 DECREASE Use of Funds
SIMPLIFIED LIFESTYLE
● Live within your budget
● Avoid unnecessary
purchase
● Be satisfied with what you
have
● Do not be too materialistic
● Enjoy without spending
LEARN TO SAVE MAKE A BUDGET
● Income - Savings - Tithes = ● Track your spending
Expense ● Allocate
● Set aside savings and ● Beware of unexpected
tithes before expenses purchases
● Open multiple bank ● Include tithes
accounts for day to day
expenses and savings
● Look for high interest
banks
● Invest in Stocks and
Mutual Funds
● Know your horizon (long
term, short term) and risk
profile (risk taker, risk
averse)
● Insurance
Conclusion
Conclusion

Be Generous! Give.. Give.. Share with the Poor!

- Everything you give away will return to you
Give with interest

Pay the Proper Taxes. Even Remember the floodgates

the Lord paid taxes. God promised us!
- Matthew 17: 22-27 - Store your treasures not here on earth.
Activity: Pie Chart

1. EXPENSE: Make a pie chart of how you currently use up your monthly pay after taxes. Categorize
them:
○ Food, rent, transportation, monthly bills, etc.
2. Identify how you can save up on each slice
3. INCOME: Estimate how much you save per month.
4. Make a revised pie chart, with the identified savings area. In the revised pie chart, set aside a fixed
amount for regular tithes.
5. Discuss with your group.
6. Sharing.
Activity: Pie Chart