Biblical Guidelines for Managing Your Money – Part 1

High stress abounds when it comes to money management. The biblical guidelines regarding money are designed to alleviate anxiety while bringing glory to God at the same time. The Bible does not simply say “give generously.” Rather it teaches a broad wisdom called stewardship or management. The Bible’s teaching on money focuses our heart on the value of things. What is it we are really after in this world? What brings true contentment and satisfaction?

Matthew 6:19- 21 Do not lay up for yourselves treasures on earth, where moth and rust destroy and where thieves break in and steal, but lay up for yourselves treasures in heaven, where neither moth nor rust destroys and where thieves do not break in and steal. For where your treasure is, there your heart will be also.

Five Guidelines for Managing
Money to the Glory of God


1. Develop a __________ _________ of money.

(a) Money is not intrinsically bad, but the love of it is idolatry.

  • Jesus used money: John 12:6 He said this, not because he cared about the poor, but because he was a thief, and having charge of the moneybag he used to help himself to what was put into it.
  • That money is good is implied in all the commands in Scripture to work hard: Proverbs 12:11 Whoever works his land will have plenty of bread, but he who follows worthless pursuits lacks sense.
  • But money can be a soul-killing idol! Matthew 6:24 No one can serve two masters, for either he will hate the one and love the other, or he will be devoted to the one and despise the other. You cannot serve God and money.
  • Money will not satisfy the soul: Ecclesiastes 5:10 He who loves money will not be satisfied with money, nor he who loves wealth with his income; this also is vanity.
  • Money can ruin your life: 1 Timothy 6:10 For the love of money is a root of all kinds of evils. It is through this craving that some have wandered away from the faith and pierced themselves with many pangs.

(b) Money comes from God as a gift and all of it ALWAYS belongs to him.

1 Corinthians 4:7 What do you have that you did not receive? If then you received it, why do you boast as if you did not receive it?


2. __________ as much money as you _______________ can.

(a) John Wesley: “It is the…duty of all who are engaged in worldly business to observe that first and great rule of Christian wisdom with respect to money, ‘Gain all you can.’ Gain all you can by honest industry. Use all possible diligence in your calling. Lose no time.”

(b) Proverbs 6:6-11 Go to the ant, O sluggard; consider her ways, and be wise. Without having any chief, officer, or ruler, she prepares her bread in summer and gathers her food in harvest. How long will you lie there, O sluggard? When will you arise from your sleep? A little sleep, a little slumber, a little folding of the hands to rest, and poverty will come upon you like a robber, and want like an armed man.

(c) Another advantage: The more you work, create, and cultivate, the less time you will have for sin.

(d) Corrective: The Sabbath, family balance, and working for the good of others (“honest industry”).


3. Commit to being a ____________ of your money for God’s glory.

(a) Adam was a steward of Eden. This is the pattern.

(b) The Parable of Good Steward Matthew 25:21 His master said to him, “Well done, good and faithful servant. You have been faithful over a little; I will set you over much. Enter into the joy of your master.”

(c) Proverbs 27:23-24 Know well the condition of your flocks, and give attention to your herds, for riches do not last forever; and does a crown endure to all generations?

(d) Practical: Be intentional about money flow.
Know how much is coming in and how much is going out (Budget).
Get accountability.


4. Never __________ money.

(a) Avoid all debt if possible.

Romans 13:8 Owe no one anything, except to love each other, for the one who loves another has fulfilled the law.

Proverbs 22:7 The rich rules over the poor, and the borrower is the slave of the lender.

(b) Do not gamble.

Proverbs 28:20 A faithful man will abound with blessings, but whoever hastens to be rich will not go unpunished.

“We’re basically trustees, and a trustee normally does not take high risks with the owner’s wealth. When you entrust assets to a financial manager, you expect rational plans for putting that money to work, not unreasonable risks in hopes of a quick payoff.” – Raymond Albrektson, Christianity Today

What about the Stock Market? “Gamblers risk money, which they know they will probably lose, in the hopes of making money quickly. Wise investors buy partial ownership in a company in the hopes of making money over time, which can be a sound way to plan for the future.” (Got Questions)

(c) Avoid unneeded things

5. Place a priority on generous _____________ ____________.

(a) Understanding the tithe.

The tithe is a part of God’s Law and includes everything single thing we have:

Leviticus 27:30 Every tithe of the land, whether of the seed of the land or of the fruit of the trees, is the Lord’s; it is holy to the Lord.

Malachi 3:8-10 Will man rob God? Yet you are robbing me. But you say, ‘How have we robbed you?’ In your tithes and contributions. You are cursed with a curse, for you are robbing me, the whole nation of you. Bring the full tithe into the storehouse, that there may be food in my house. And thereby put me to the test, says the Lord of hosts, if I will not open the windows of heaven for you and pour down for you a blessing until there is no more need.

(b) Obedience to the tithe does not save us, but salvation does not change the Law.

Ephesians 2:8-9 For by grace you have been saved through faith. And this is not your own doing; it is the gift of God, not a result of works, so that no one may boast. For we are his workmanship, created in Christ Jesus for good works, which God prepared beforehand, that we should walk in them.

Matthew 23:23 Woe to you, scribes and Pharisees, hypocrites! For you tithe mint and dill and cumin, and have neglected the weightier matters of the law: justice and mercy and faithfulness. These you ought to have done, without neglecting the others.

(c) Why focus on your local church?

(d) Give with joy!

2 Corinthians 9:6-7 The point is this: whoever sows sparingly will also reap sparingly, and whoever sows bountifully will also reap bountifully. Each one must give as he has decided in his heart, not reluctantly or under compulsion, for God loves a cheerful giver.


  • Being a good steward is design to bring us joy and contentment, not to be a burden.

Malachi 3:10 And thereby put me to the test, says the Lord of hosts, if I will not open the windows of heaven for you and pour down for you a blessing until there is no more need.

  • How we use our money is a powerful thermometer of our spiritual condition.