Sober Men & their Finances

1. Sober Men & their Finances THE SOBER MAN: By: Gideon Gichamba www.thesobermanafrica.wordpress.com

2. Introduction • 75% of the parables of Jesus related to money • Money answers all things-Ecc10:19 • No true test of a man’s true character is more conclusive than how he spends his time and MONEY-Patrick Morley • Majority of human problems revolves around money www.thesobermanafrica.wordpress.com

3. Biblical Approaches to Money: • From the bible we see money viewed in three perspective: Poverty, Prosperity and steward • The people who subscribe to Poverty gospel believe that, blessed are the ‘poor’ and they solely view riches as a curse. • The believe that they are righteous by being poor • The full subscribe to the statement that: it is easier to a Carmel to go through the eye of the needle than the rich man www.thesobermanafrica.wordpress.com

4. Biblical Approaches to Money • Those who believe in prosperity gospel view money as a blessing and that God has blessed them because they have tithed • They believe that they have because they have paid their tithes. • They believe that, “you don’t have for you ask not” • The believe that “what they have, is a result of what they ‘sowed’” • Their motive for giving is to receive back, They ‘transact business with God” www.thesobermanafrica.wordpress.com

5. Biblical Approaches to Money • Stewards believe that money has been given to them to fulfill God purpose • Stewards give out of love for God and fellow humans. • Stewards believe that they are custodians of Gods Money • They believe that ultimately they have to give an account of their lives and their money to God www.thesobermanafrica.wordpress.com

6. Four Pillars to Financial Freedom • Earnings • Savings • Investments • Giving www.thesobermanafrica.wordpress.com

7. 1. EARNING: • Earn little by little-Pro 13:11 • Do not despise the days of the humble beginning • Realize that 1+1=2 • Be ethical in your earning so that God may bless the works of your hands www.thesobermanafrica.wordpress.com

8. 2. SAVINGS • It is biblical to save, it is not lack of faith • It is foolishness to spend everything-pro 21:20 • Savings enables you settle emergencies without getting into debt • At least 10% of total earnings should be channeled towards savings. • It is not how much you save, it is how faithful you are. www.thesobermanafrica.wordpress.com

9. SAVINGS Cont’d • Suppose you spent Kes 20 on lollipop everyday… • In a week=Kes 140 • In a month=Kes 560 • In a year=Kes 6,720 • In 4 years=kes 26,880 • Think of that, kes 26,880, for just 20 bob, how about more???? www.thesobermanafrica.wordpress.com

10. Challenges to savings: • Lack of a well thought and a balanced budget. • Untamed impulse buying • Underestimation of expenses • Unwelcomed emergencies www.thesobermanafrica.wordpress.com

11. INVESTMENT • It helps to grow your savings • Cast your bread into many waters Ecc 11:1 • In Jesus’ parable, the master rebuked the servant who didn’t merchandise his talent-Matt 25:27 • It entails finding ways to grow your financial egg. www.thesobermanafrica.wordpress.com

12. Areas of Investment • Financial markets: Shares, Unit trust, Education policy • Assets: Land, property, machinery and equipment • Business: Build the goodwill of a business concept www.thesobermanafrica.wordpress.com

13. 4.GIVING • Start by paying your tithes and other offerings in the house of God Mal 3:10 • Identify your ceaser around you-Pro 28:27 • You can never be poor by giving • If you cant give when you have less, then you wont give when you have more • It leads to productivitytitus 3:14 • It is more blessed to give than to receive Acts 20:35 • The rich fool died because of his selfishness www.thesobermanafrica.wordpress.com

14. Thank you  www.thesobermanafrica.wordpress.com