Personal Finance Tools

Stewardship Changes Everything

What is stewardship?

Stewardship is a lifestyle, a life of total accountability and responsibility.  It is the acknowledging of God as the Creator and Owner of all. The fundamental principle of biblical stewardship is this:  God owns everything, we are simply managers or administrators acting on his behalf. The reality is that most people, including lots of Christians do not understand the true meaning of stewardship.  Many of us today only associate the idea of stewardship with sermons we have heard or a connection with the church budget.  The reality of Biblical stewardship is so much more.  Stewardship is our ultimate calling as Christ followers.

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Why does stewardship matter?

Although God gives us all things, nothing is ours. Nothing belongs to us. God owns everything; we’re responsible for how we treat it and what we do with it.  We are called as God’s stewards to manage that which belongs to God. While God has graciously entrusted us with the care, development, and enjoyment of everything he owns as his stewards, we are responsible to manage his holdings well and according to his desires and purposes. Each morning, God gives you a day full of opportunities to praise him – chances to notice the small, but extraordinary gifts from your heavenly Father. Just imagine how abundant your life could be if you got serious about stewarding those moments every day, not just with money, but with your marriage, parenting, personal development, and career!

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Adults

Kids

Budgeting

Want less stress? Budget more and worry less! Managing money wisely will help you honor God with your finances! After just 3 months of budgeting, 84% of people say they feel more in control of their money. Whether you want to create your budget online, in an app or on paper, we can help!

How to Budget Using Simple, Zero-based Budgeting:

A simple we go get going is through a process known as Zero-based budgeting.  The concept of a zero-based budget is simple: income minus outgo equals zero. If you earn $2,000 a month, you want every item that you spend/save/give/invest to all equal $2,000. That way, you know where every one of your dollars is going. Not knowing where the money’s going is what kills a lot of people’s money situations. They just look up one day and they have no money—and no clue about where it went.

Try this to start:

  1. Write down your total take-home (after tax) pay for your household. Don’t forget to include everything – full-time jobs, second jobs, freelance pay, social security, royalties and any other ongoing sources of income.
  2. List all of your expenses and savings goals.
  3. Subtract expenses from income to equal zero – this is called zero-based budgeting.
  4. Track your expenses and savings goals monthly to stay on top of your expenses.

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Adults

Kids

Teens

College

Worksheets

Debt

We live in a world where debt is considered normal. “Don’t worry,” people tell us. “Everybody has it!” We’re bombarded with messages that say we can’t live without loans. We’re told we can’t go to school or buy a house or get a car without loans. So we borrow money to replace our cars, put 0% down on a new house, and finance our kids’ college. But before we know it, debt can become a big burden.  It keeps us up at night. It causes us to spend more time worrying than praying. It causes fights in our marriages and can be very unhealthy. God never intended for us to live in bondage to debt. Romans 13:8 (NIV) says, “Let no debt remain outstanding, except the continuing debt to love one another, for whoever loves others has fulfilled the law.” The God of the universe didn’t want His people dragging debt around everywhere they went.

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Let's Get Started!

The journey of a thousand miles begins with a single step.  We would advise that you start with the small tasks first, you finish them quickly and see your progress.  This will help you get some wins in place and motivated to go after larger projects.  Starting Wednesday, March 1, we are launching a brand new, 6-week class called Counterintuitive that will be based on the current message series – when heavenly & earthly economies collide. This class guides you through the blocking and tackling of money.  Teaching you practical steps to make the right money decisions to achieve your financial goals. Counterintuitive is for everyone from the financially secure to those in financial distress. The program includes practical lessons to eliminate debt, build wealth, give like never before, and much more! Registration will open soon.  Contact KyleRichardson@woodsidebible.org for information.

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