Financial Education Planning - 3 Basic Ways to Manage Our Finances

Lately, I've been exposed to financial educationyou-because you are robbing me. 10 Bring the
about how we can better manage our financialwhole tithe into the storehouse, that there may
resources. First, I got the chance to learn frombe food in my house. Test me in this," says the
my Christian community, CFC-FFL Singapore onLORD Almighty, "and see if I will not throw open
one our Covenant Recollection on Financialthe floodgates of heaven and pour out so much
Stewardship with Carlos Cammayo as theblessing that you will not have room enough for
speaker. I want to start sharing these veryit."
powerful passage from the bible (mine is NewSo we are robbing God if we do not tithe yet
International Version) Luke 21: 1-4 The Widow'severything is own by God. We owe God
Offering (more popularly know as The Story ofwhatever we presently have and what we will
Widow's Mite) 1 As he looked up, Jesus saw thehave in the future. Psalms 24:1 says1 The earth is
rich putting their gifts in the temple treasury.the LORD's, and everything in it, the world, and all
2 He also saw a poor widow put in two verywho live in it.b.) Tithing is a measure of our
small copper coins. (Greek two lepta) 3 "I tell youspiritual growth - it is a measure of our
the truth," he said,"this poor widow has put inconversion of being self-less. It conditions our
more that all the others. 4 All these people giveheart and mind to be generous, to think in the
their gifts out of their wealth; but she out of hermindset of abundance and not on the scarcity
poverty put in all she had to live on."  The lessonmentality. Be a happy giver or a go-giver.c.) The
is about the enduring value of faith. Her modestproper perspective - tithing is God's way of giving
gift of two mites represented all that she hadus the privilege of being His co-workers. We give
compared to the pretentious contributions of thetithe to support God's work to develop/train
wealthy. I must admit that for me this is a hardleaders, the resource to create a new heaven for
act to follow or perhaps my faith is that smallnew disciples. Focus not so much on the 10% we
compared to her.give, but on the 90% we keep for ourselves.
There are 3 basic ways we can make use of ourLastly, within those times I had an opportunity to
finances in the Lord:connect with another set of friends to play
1. Almsgiving - making voluntary contributions toRobert Kiyosaki's Cashflow 101 board game.The
aid the poor like giving money, food, clothes,first objective is to be able to get out of the rat
goods or other needs.  Proverbs 19:17 - He whorace by exceeding your total expenses with your
is kind to the poor lends to the Lord, and he willpassive income (cashflow you get from your
reward him for what he has done.investments in real estate, stocks/dividends, and
2. Resource sharing - an example given was aother business). There was an instant where I
brother who voluntarily share his car for fetchinglanded on the charity spot whereby you have an
a guest or a couple who make use of their homeoption to give 10% of your total income in
for teaching and gathering purposes.exchange for the use of 2 dices instead of one.
3. Tithing - by definition, tithe is a tenth part ofYou will have this option on each of your next 3
ones annual income contributed voluntarily or dueturns. I managed to roll a higher total of number
as a tax, especially for the support of the clergyand this prompted me to get 2 paychecks in just
or church. In other words, tithing is giving 10% ofa single turn. So my point is that even with just a
our income for the Lord's work.a) Scriptural basis:game, the rewards of giving in this case 10%
Malachi 3:7-10 7 Ever since the time of yourcharity provided me unexpectedly twice my
forefathers you have turned away from mysalary. I was actually the first one to get out of
decrees and have not kept them. Return to me,the rat race because of the other strategies that
and I will return to you," says the LORD Almighty.I have done with my investments.
"But you ask, 'How are we to return?' 8 "Will aFor our reflection, 1. do you understand that
man rob God? Yet you rob me. "But you ask,everything belongs to God and you are just a
'How do we rob you?' "In tithes and offerings. 9steward? 2. How do you see yourself in terms of
You are under a curse-the whole nation ofthe measures of spiritual growth?