Category Archives: Money Management

8 Christian Principles about Personal Finance

Questioning the truth

                                                              Questioning the truth


Guest post by Marife Rosas

You might hear a saying before that says: “Money is the root of all evil”. Some say’s that if you are rich, it will be hard for you to go to heaven. I can’t blame them with those thoughts especially if you are like me who grew up in an environment wherein their past time is watching “unlimited teleserye”.

Don’t get me wrong, I love watching television as well, and it’s not a sin to do so. Is just that sometimes, we are unconsciously absorbing the wrong thoughts that “We need to be poor” so that we will become the protagonist (bida) of our life. Because sad to say, most of the time, teleserye portrays that rich people usually are corrupt, selfish, and full of pride; that’s why unconsciously, people are not aiming to improve because they are afraid to become the antagonist (kontrabida) in their own life .


But the Holy Bible is clear, It say’s “For the love of money is a root of all kinds of evil”

1 Timothy 6:10. It’s clear that it’s not only about money, but Love of it. It means that when we love money more than God, that would be the fall comes in. But when we know that Money is only a powerful tool that can be used to bless other people around us, I am sure that you will never stop to aim high.


Today, I would like to share with you the 8 Truths that will help you to improve in your personal finance.


It doesn’t matter if you are just a student, a professional, employed, house wife, self-employed or entrepreneur. These 8 Christian Principles will be very applicable for you.


Have a Paradigm Shift

Keeping away from negative people, over-spenders, reading books, listening to audio books, attending seminars that will help you grow, and seeking Godly counselors are very helpful technique that will help you to gradually have a Paradigm shift. The bible say’s “Without counsel purposes are disappointed: but in the multitude of counselors they are established” (Proverbs 15:22), and if you unconsciously gained the “Teleserye fever” this will be a cure. J


Acknowledge that God is the supplier of everything

Philippians 4:19 says, “My God shall supply all my need according to his riches in glory by Christ Jesus. 2 Corinthians 9:8 adds, “And God is able to make all grace abound toward you; that ye, always having all sufficiency in all things, may abound to every good work.”

We have to focus to the Lord and returning to him what is His through tithing, is one way for us to show our “living faith”. Because to just say by words is easy, in fact everyone can say that they believe, but not all does. That’s why it’s important for us to dare to be part of the few who Acknowledge it by their words, but most importantly with their actions too.

Deuteronomy 14:23 says, one purpose of tithing was to teach the people of Israel to put God first in their lives.


Appreciate what you have 

Take note of all the blessings that you already have, and commit to yourself that you will become a good steward of it. By doing this, you will prove to yourself the faithfulness of your God upon your life for giving you so much to be thankful for, but at the same time to remind yourself that there is a purpose why you get those blessings. You have to work as much as you can to maximize it for His honor and glory.


Dedicate a specific time to plan and work hard in your finances

It’s important for us to know where we are right now for us to know how near or far we are from the situation where want to go. And in personal finance, we can solve this by computing our cash flow, SALN, and learn how to manage it right, and if you think you need more, It would be a good idea if you will “Increase your cash flow” by starting with the God-given talents that you already possess, hone it, use it, and monetize from it and treat it as your first business. The Scriptures spell it out: “In all labour there is profit; but the talk of the lips tendeth only to peneury (poverty) (Proverbs 14:23)


Build  your back up

It’s important for us to understand that there will be rainy days in our finances and If we built our back up (savings) it will not be too difficult for us to face it.

Proverbs 21:20 says, “There is treasure to be desired and oil in the dwelling of the wise; but a foolish man spendeth it up.” And Proverbs 22:3 emphasizes, “A prudent man foreseeth the evil, and hideth himself: but the simple pass on, and are punished.


Be Disciplined and Rule over unwanted spending

I’m sure that all of us have goals of honoring God is whatever we do and for that to happen, it’s necessary for us to cut down our lifestyle. That means overcoming the problem of debt, and it means avoiding frivolous spending. Besides, Christians are to be people of control and discipline (Galatians 5:22-23; 2 Peter 1:6). One place that manifests itself is in our spending.


Trust in God’s purpose

The Bible says that the thief’s purpose is to steal, kill, and destroy. My purpose is to give them a rich and satisfying life. (John 10:10)

I truly believe that all of us have unique purpose in life. You have God-given talents / Purpose that only you can do. If you know that it is for His glory, no matter what other people are saying against you, or even the whole world might not understand you at first, but you are convinced that God can be glorified through that talent, I encourage you to share that to the world and be the blessing itself to other people. Many people are eagerly waiting for you.



It’s necessary for us to plan for our life but at the end of the day, His plan will prevail, that’s why surrender is tremendously important for all of us to have peace of mind that no matter what we are doing right now, God is there to help us according to His plans.




Marife Rosas is a Christian Infopreneur/ Author / Financial Advocate and  Founder of Christian Infopreneurs Academy. Please subscribe to her Facebook Page: and if you want to know her more, check also her  Website: She also got a Youtube Channel:


Btw, I have a new E-book entitled “Christian Infopreneurs Handbook” (How to Effectively Use your God given talents for Profit and Purpose) that I am giving away for FREE to all new subscribers of my blog, .


Filed under Money Management, Money Mistakes, Money Problems

How to lend money wisely

Image by Lend Money


We all have been there: you trustingly lend your hard-earned money to a “friend”, and when it’s time for them to pay you back, they hide from you, come up with the most creative excuses or worse, ignore you. Sometimes, you get so traumatized and decide to just say NO to all those people who ask to borrow from you. But there’s good news: there are steps you can follow to reduce, if not eliminate, the risk of such financial and friendship losses.

The following are five practical ways and precautions to avoid such.

1. Give instead of lend–  When friends or relatives notorious for not paying their debts asks to borrow 5000 from you, promising to pay you back in 3 days, will you lend money to them? I shall use my Uncle Ben (Benevolent) rule here: You can give 1%-10% of the amount they’re asking for, if you think that can help them. Let us remember that it is easier to give than  to collect money from borrowers. We are so shy to wear our collectors’ hat. I have many friends who get stressed out when it became time to collect. They lent so much money to common friends but rarely got it back, or on time.

2. Think, don’t just feel– When your friend is in an emergency and he/she asks for financial help, claiming to need this and that, sometimes you act without thinking and you immediately lend a hand. Your money is like ammunition when it comes to war. What if an enemy attacks you and you are left with no ammunition because you’ve lent it away? What are you going to do? Stop and think first, your savings account will dry up if you let your emotions rule you. I have a theory on why God put the brain above the heart: He placed it there so that it may rule over our easily deceived hearts.

3. Draft and Sign a binding agreement– The situation is this: They are asking to borrow 50,000 from you so they can fund their business, or they need to pay for an emergency situation. They promise that within 6 months, they will pay you back. You have money in the bank. The problem is how to wisely lend your money with minimal risk. Too many relationships both personal and professional have ended up being ruined because of unpaid debt. So my recommendation is to write down what was agreed upon, have it duly signed by both parties to ensure the presence of a clear agreement. Commitment is not optional since you guys are friends.  He needs to take the agreement seriously, and the payment terms should be clearly defined and followed. By simply writing it on a piece of paper and having it signed, you will have something to present to any arbiter just in case your borrower decides to run or hide from you. You can file a case against them at your nearest small claims court. This is a problem with the culture that we have: this is not a widely held practice at all. I encourage you all to be different in this case. There’s not much difference whether it be a big or small amount since it is not about the money in the first place, but rather about the principle of trust.

4. Assess the situation– You have a friend who is a party-goer, who frequently eats in upscale restaurants, who has so many gadgets and owns a brand new car. His family has a house bigger and better than yours. All of a sudden that friend got into a big mess and is now asking for your financial help. I recommend that you first ask why and how he came to be in such a mess. Let me remind you managing, not wasting, the money you have worked hard for is your primary task. When you find out what happened to that friend, you empathize and then assess your finances first to see if you have enough funds. Dig deep, be upfront, be concerned. Don’t be ashamed to ask why they need borrow from you. Asking them will also help you to make good financial decisions in the future. Is this for a worthy cause? If you demonstrate good and sound financial decision-making, it will be an opportunity to inspire others to follow your ways.

5. Learn to say No and be honest!- There are times with you really have to say NO to people asking to borrow from you. Whether it be due to your own lack of financial security, or due to your lack of trust, or due to your desire for them to learn, being honest is the best way to go about saying NO. Do not feel guilty about it. Do not also recommend other people to them for it will cause more problems. Don’t ever use your credit card for cash advances for it will cripple your sound finances with long term dues the fees involved.

An excerpt from got
The clear teaching of the Bible is that God expects His children to act righteously when lending money. And it helps us to remember that our ability to produce wealth comes from God (Deuteronomy 8:18) and it is God who “sends [both] poverty and wealth; He humbles and He exalts” (1 Samuel 2:7). Now, there is nothing wrong with legitimately loaning money and expecting to be repaid at a fair rate of interest (Proverbs 28:8; Matthew 27; Psalm 37:21). Yet we need to remember that the Bible’s teaching on money matters also includes borrowing money and indebtedness. Although the Bible does not expressly forbid borrowing money, it doesn’t encourage it, either. It is not God’s best for His people, as debt essentially makes one a slave to the lender (Proverbs 22:7). God would rather have us look to Him for our needs than rely on lenders. Additionally, as the psalmist makes clear, we are to repay our debts (Psalm 37:21). When we loan money to someone, we increase that person’s debt load and make it easier for him to stumble.

Thank you to the Chief editor: Gandalf the black

David Isaiah Angway is a Financial Evangelist

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Filed under Forgive, Lend, Money Management, Personal Finance