Treasure II

A money bag.

Treasure II – Out: Budgeting


Why is giving (even among Christians) so low in America (per person as a percentage of their total income, Christians gave less last year than they did during the great Depression)? There are two clear answers:

First, our spending is out of control. Howard Dayton says that “we often buy things we don’t need with money we don’t have to impress people we really don’t care about. Americans are addicted to consumption and it has led to massive consumer debt as well massive national debt. Culture has bought the lie that we can borrow and then spend our way out of our problems. When I talk about money with The Millennial Generation, I often start off my presentation with “I am a Baby Boomer, and I am sorry!” Then I show the National Debt Clock. Take a minute and what the numbers escalate, and ask yourself the question “is this what God intended for us with our money?”

Second, If we do save, its for all the wrong reasons. In the year 2008, Americans saved at an average rate of -4%, that means that U.S. citizens on a whole went into debt $4 extra dollars for every $100 they spent. In addition, most Americans, if they do save, save for retirement … and that is not even Biblical (I dare you to find the word retirement in the Bible!). The two things that we are told to save for are to have enough in times of scarcity so we have enough for our family and more so that we can be the church. In addition for major purchases to avoid debt and its potential bondage.

Now that we have embedded the truths that God owns it all and is a God of abundance and generosity, we can explore in this module some practical expressions of Money Management.



Chapter 1


Take some time to read, meditate and journal on how these Scripture passages speaks to God’s part and our part in budgeting.

2 Now it is required that those who have been given a trust must prove faithful.

– 1 Chronicles 4:2 (NIV)


11 Yours, Lord, is the greatness and the power
and the glory and the majesty and the splendor,
for everything in heaven and earth is yours.
Yours, Lord, is the kingdom;
you are exalted as head over all.

12 Wealth and honor come from you;
you are the ruler of all things.
In your hands are strength and power
to exalt and give strength to all.

– 1 Chronicles 29:11-12 (NIV)



Howard Dayton first shares a bit of his story of how he has been in the ministry of helping followers of Jesus understand what God has to say about money.
In this second clip – Howard explains that the Biblical bar is set high for believers and practical ways to achieve a “D day.”



Begin by reading this very practical blog about spending by Dave Ramsey.

How To Make a Zero Based Budget


Also Read the Executive Summary of Nancy Sleeth’s book Go Green, Save Green with some practical ways to save money and be a better steward of creation.

The Book Cover of Go Green, Save Green


Reflect SECTION 4

Spend time this week with your mentor and ask them about their financial journey regarding Giving Saving and Spending. Ask if they have ever taken a Compass:Small Group Study, if not you may want to consider starting a class with them


Chapter 2


Take some time to read, meditate and journal on how these Scripture passages speak about saving and spending

20 The wise store up choice food and olive oil,
but fools gulp theirs down.

– Proverbs 21:20 (NIV)


5 The plans of the diligent lead to profit
as surely as haste leads to poverty.

– Proverbs 21:5 (NIV)



Watch this 11 minute Ted talk with a secular study on money and happiness.

Now watch this three minute video getting a global perspective on what we have in America – it may impact redefining a want from a need.



Read the executive summary of Chuck Bentley’s book The Salt Plan, as radical as it may seem to us, there is no denying that it is Biblical.

The Book Cover for The S.A.L.T. Plan


Reflect SECTION 4

Share with your donors and mentor what you are learning about Money based on your input this week (choose the format)


Chapter 3


Take some time to read, meditate and journal on how these Scripture passages speak about debt and being content

7 The rich rule over the poor,
and the borrower is slave to the lender.

– Proverbs 22:7 (NIV)


11 I am not saying this because I am in need, for I have learned to be content whatever the circumstances. 12 I know what it is to be in need, and I know what it is to have plenty. I have learned the secret of being content in any and every situation, whether well fed or hungry, whether living in plenty or in want. 13 I can do all this through him who gives me strength.

– Phillippians 4:11-13 (NIV)



Watch Managing God’s Money a video featuring Randy Alcorn.



Read the executive summary of Money, Possessions and eternity this week by Randy Alcorn. Text or email your mentor with a few aha’s and a few questions from your reading.

The Book Cover of Money, Possessions, and Eternity



Reflect SECTION 4

Take time with your mentor to openly discuss your income, your debt, your spending plan, your giving plan and your long term financial goals.


Further resources for exploration