J. H. Jowett said, “The real measure of our wealth is how much we would be worth if we lost all our money.”  Think about that.  Earthly riches or the lack of them has nothing to do with real wealth.  The only treasure that matters is the treasure we lay up in heaven.  Jesus said, “Lay not up for yourselves treasures upon earth, where moth and rust doth corrupt, and where thieves break through and steal: {20} But lay up for yourselves treasures in heaven, where neither moth nor rust doth corrupt, and where thieves do not break through nor steal: {21} For where your treasure is, there will your heart be also (Matthew 6:19-21).”

In many ways the shopping mall defines American culture in the 21st century – consumerism gone wild; an illusory concentration of buyers, sellers, and products; jammed parking lots and crushing crowds; and millions of dollars people don’t have being spent on things they don’t need.  Americans spend more than 30 percent of their income on luxury items, compared to less than 10 percent just forty years ago.  Statistics on personal consumption published by the U.S. Bureau of Economic Analysis reveal that American’s spending on recreation rose from 42.7 billion in 1970 to 246.8 billion in 1988 – a 477 percent increase!  Some people say, “I’m always short on money.”  What do you think are some reasons they feel this way or really are this way?  Why don’t some people have enough money?  Possible answers include:  1) They do; they just think they don’t.  2) God is testing their faith.  3) They have misused what God has given them.  Here is the good news – God is not silent on the subject of money!  In fact, you may be surprised to learn that:

·       16 out of 38 parables taught by the Lord Jesus were on the subject of money and possessions.

·       Christ said more about money and possessions than He did about the subjects of heaven and hell combined!

·       In the Gospels, one out of ten verses deals with money and possessions.

·       In the Bible there are over 500 references to prayer, and less than 500 references to faith, but there are over 2,000 references to money and possessions!


The Protestant work ethic has brought the so-called “good life” to American Christians as they experience unprecedented prosperity.  But with prosperity have come materialism, self-indulgence, and ease.  Well-intentioned Christians often desire to obey Scripture when it comes to handling their finances, but many have succumbed to the call of a materialistic lifestyle.  This lesson goes right to the heart of a Christian’s relationship with God.  The use of money reveals whether one is motivated by the Spirit of God or by self.



There are several foundational principles to grasp as you approach this lesson:

A.     Foundation #1

·       Psalm 24:1. “The earth is the L__ __ __ ' __.”

·       Haggai 2:8. “The S__ __ __ __ __ is mine, and the G__ __ __ .”

·       Exodus 19:5. “ . . . for all the E__ __ __ __ is

M__ __ __ .”

Principle #1:

Everything Belongs To _____________________      

B.     Foundation #2

Read: Genesis 39:1-6

1.     Who was the master in this story? ________         

2.     Who was the servant in this story?________         

3.     According to verse 4, what was Joseph made? _____________________________                     

4.     According to verse 4, what was put into Joseph's hand? ______________________                           

Principle #2: Stewardship Is The Management Of The Affairs Of Another.

C.     Foundation #3

Read: Matthew 25:14,15

To whom did the Lord entrust His wealth?_______         

Principle #3: ___________ Christian Is A



D.     Foundation #4

Read: 1 Corinthians 4:2.

Principle #4: It Is Required Of Stewards That They Be F__ __ __ __ __ __ __ .



The subject of stewardship is often limited to money.  Money is part of God's plan for stewardship, and it is important enough to be considered in detail later, but it is only part of God's overall plan for you.  Before looking at some of the areas requiring our stewardship, write out the four principles you have just studied:

#1: ____________________________________________ 

#2: ____________________________________________ 

#3: ____________________________________________ 

#4: ____________________________________________ 

Every good thing we have is called a G__ __ __ which comes from God – James 1:17.  As stewards, you and I are responsible to God in the use of such things.  Below are some of the more obvious areas over which we have been made stewards.



A.     A Biblical Perspective of Time

God instructs us how to use our time.  Great men and women of God have served God with a sense of urgency.  Time management is really self-management, and for Christians this means Spirit-management (being controlled by the Spirit of God).

1.     According to Ephesians 5:16, we are to

“R __ __ __ __ __ the time.” This means to make every minute count for God.

2.     In Psalm 90:12, the Psalmist asks God “So teach us to N__ __ __ __ __ our days that we may apply our hearts unto wisdom.”



3.     According to James 4:14, our time on earth is compared to a V__ __ __ __ __ (in the light of eternity).

4.     From reading Romans 13:11, 12, what kind of Christian do you think the Lord wants you to be? ___________________________                         

5.     According to 2 Timothy 2:4a, what is one of the greatest stumbling blocks for Christians in the management of time?

The A __ __ __ __ __ __ of this life

B.     Planning Your Management of Time

1.     Spend 5-10 minutes each morning planning your workday.

2.     Use a daily and monthly calendar.

3.     Make a prioritized action list daily.

4.     Periodically, make a “grass-catcher” list (a catch all list of miscellaneous items).

5.     Do priority one items first.

6.     Do it NOW (Dive into it)!

7.     Select the best time of day for the time of work required.


Which of these timewasters do you battle?

·       Lack of planning

·       No delegation

·       Attempting too much

·       Too involved in details

·       Unable to say “No”

·       Procrastination

·       Lack of self-discipline

·       Telephone

·       Television

8.     Commit to a deadline.

9.     Have short and long-range goals.  Divide long-range goals into smaller chunks.



10.   Avoid timewasters.

C.     The Purpose for the Management of Time

We manage time for the purpose of serving God. “I don’t have time” isn’t a valid excuse for unfaithfulness. A Christian is a pilgrim on earth to fulfill God’s ministry in the lives of others.   Here are some of your responsibilities.  We are to:

1.     Consider others – Hebrews 10:24

2.     Love others – John 15:12, Romans 12:10

3.     Serve others – John 13:14-15

4.     Provoke others – Hebrews 10:24

5.     Prefer others – Romans 12:10

6.     Comfort others – 1 Thessalonians 4:18

7.     Win others – Jude 23

8.     Teach others – 2 Timothy 2:2

9.     Assemble with others – Hebrews 10:25

10.   Share with others – Philippians 2:4

J.C. Penney explained that he practiced faithful church attendance Sunday a.m., Sunday p.m., and Wednesday prayer service.  He stated, “If you have too much business to attend church regularly, you have too much business.”



Read Matthew 25:14-30.  This is a parable the Lord Jesus told to teach us about stewardship.

A.     What did the Lord give to His servants?

T__ __ __ __ __ __ .

(A talent was a denomination of money.  The spiritual lesson of the parable goes beyond money to whatever God gives us.)

B.     Did every servant receive a talent? ____________   

C.     Did every servant receive the same number of talents?________________                                         

D.     On what basis did the Lord dispense different amounts of talents?


According to verse 15. “ . . . each man according to his several A__ __ __ __ __ __ .”

E.     According to verse 19, what did the Lord do when He came back?_____________________________   

F.     What did the Lord say to those whom had been good stewards? ____________________________       

G.    God has equipped you for ministry.

Many Christians throw up their hands and say, “I CAN'T do anything for the Lord in my Church!”  What does Philippians 4:13 have to say about such an attitude?________________________________           

H.     Your equipping is to complement the church.

Read 1 Corinthians 12:12-27. This passage likens our Church to a human body.  Each individual member is like a part of that body.  As the human body needs a variety of members (arms, legs, eyes, ears, etc.) so does the church body.

1.     We cannot all be the same thing – verse 19.

2.     God has put you into a church for a definite function – verse 18.

3.     Every member of our Church is

N__ __ __ __ __ __ __ __ – verse 22.



The same principles of stewardship that apply to our time and talents also apply to the management of our money.

ALL the money you have and receive IS FROM GOD, and IS GOD'S.

Look up: Deuteronomy 8:18.  Even though we may earn money through our own labor, this verse tells us it is the

L__ __ __ thy __ __ __ Who gives us power (ability) to get it. The stewardship of God's money is usually referred to in the Bible as tithes and offerings.

A.     What is a tithe?

1.     Compare Genesis 14:20 with Hebrews 7:2.



Abraham gave a tithe to Melchisedec.  How much was it? A T__ __ __ __

2.     What would be a tithe from $200.00? $____           

B.     Is the practice of tithing for New Testament Christians?

1.     Some people (usually those who do not want to tithe) say tithing was an Old Testament practice for Jews only.  It was given as part of the Mosaic Law, and Christians are not under the Law, but under Grace (Romans 6:14b).  However, look at the following Scriptures:

A__ __ __ __ __ __ commenced it (Genesis 14:18-20)

J__ __ __ __ continued it (Genesis 28:20-22)

M__ __ __ __ confirmed it (Leviticus 27:30)

M__ __ __ __ __ __ commanded it (Malachi 3:10)

J__ __ __ commended it (Matthew 23:23)

G__ __ commissioned it (1 Corinthians 9:14)

P__ __ __ conformed it (1 Corinthians 16:2)

2.     A study of these Scriptures shows that tithing is a SCRIPTURAL PRINCIPLE.

Abraham and Jacob tithed 500 years before the Law.

Comment:  Life, health, strength, skill, opportunities, connections, station in life, I.Q., everything is a gift from God.  He gave it to you, and He can take it away at any time.  The Law was instituted.  Moses, Malachi, and Jesus spoke of tithing during the period of the Law.  The Apostle Paul explained tithing after the Law.

Christians ought to tithe!

C.     How should Christians practice tithing?

1.     Look up: 2 Corinthians 5:14.  Under the Law tithing was commanded.  Under Grace, we do not tithe legalistically, but because we love the Lord.


“For the L__ __ __ of Christ

C__ __ __ __ __ __ __ __ __ __ __ us . . .”

2.     Do you think God would ask less love, less faith, and less cheerful giving from a New Testament Christian than from a Jew under the Law?  Tithing, for the Christian, is not a matter of bondage.

D.     Where should a Christian place his tithe?

1.     According to Malachi 3:10, the tithes were to be brought into the S__ __ __ __ - __ __ __ __ __ . For the Jews, this storehouse was the treasury of the Temple at Jerusalem.

2.     According to Acts 4:35, 37 and Acts 5:2, the Christians brought their tithes and offerings to the A__ __ __ __ __ __ __' F__ __ __ .

3.     According to 1 Corinthians 16:2, we are to lay up our giving in “S__ __ __ __.”  Subsequent verses show this storehouse was the church at Corinth, to whom the Epistle was initially addressed.

4.     Today the storehouse for your tithe is your CHURCH.  It is not God's plan for you to give your tithe wherever you decide.  The “anywhere” idea is often propagated by radio and television preachers who need your money.

E.     Why are we to place our tithe into our Church?

1.     Malachi 3:10 says, “ . . . that there may be

M__ __ __ in my H__ __ __ __ .”  The tithes and offerings were used for the Temple and the Temple ministry.

2.     Read: 1 Corinthians 9:13, 14. Verse 13 relates to the Old Testament practice, and verse 14 carries this principle over to New Testament churches. Your tithes and offerings are for the support, upkeep, and ministry of your church.

F.     What does God call us if we refuse to tithe?

Malachi 3:8. ______________________________               



G.    What is the promise God gives to those who faithfully tithe? Malachi 3:10b ______________           


H.     Whose is the tithe?

1.     Leviticus 27:30. The __ __ __ __ '__.

2.     10% of your gross income IS NOT YOURS – it belongs to God.

I.      How can I please my Lord when tithing?

1.     Matthew 6:33–Give the Lord __ __ __ __ __ place in everything.

2.     Proverbs 3:9 – Honor the Lord with my

__ __ __ __ __ fruits.

(This means to set aside the tithe first – before all other bills and expenses are paid.  If you leave the tithe until last, God usually misses out.)

3.     1 Corinthians 16:2 – Bring the tithe on the

__ __ __ __ __ day.



Many people would feel they have done God a great favor just by tithing!  But we do not GIVE the tithe – it's not ours to give.  Only after we have faithfully tithed can we give an offering unto the Lord.

A.     Malachi 3:8 speaks of “tithes and O__ __ __ __ -

__ __ __ __ .”

B.     Tithing requires an obedient heart, but giving requires a __ __ __ __ __ __ __ heart – Exodus 35:5.

C.     Study: Ezra 1:4; 3:5; 7:16; 8:28

The Bible refers to offerings as F__ __ __ W__ __ __ offerings.

D.     According to 2 Corinthians 8:5, the people in the churches of Macedonia first G__ __ __

T__ __ __ __ __ __ __ __ __ to the Lord.

E.     According to 2 Corinthians 9:7, what kind of giver does God love? ____________________________     



F.     If we tithe and also give an offering, will the Lord allow us to suffer and go without the necessities of life? 2 Corinthians 9:8 _____________________             


Having studied the Word of God concerning the subject of tithes and offerings, and realizing it is God's perfect will for me to obey Him by tithing systematically on my income, I now resolve to make tithing a practice in my life – and to give an offering to the Lord as He speaks to my heart.


Signed: ______________________                                              


Date: ______________________