Kim C. Christensen                                                              
Certified Financial Planner    
Registered Investment Adviser        
Registered Investment Advisor
Biblical Principals of Finance

Suppose one of you wants to build a tower. Will he not first sit down and estimate the cost to see if he has enough money to complete it?
Luke 14:28

Applying Biblical principles to your finances is a very personal decision, but also a very sound one.   I believe they are also good for people who are not believers, or seeking, as I explain below.

I became a Christ-follower shortly before the birth of my son Colin, and my life has not been the same since then.  Besides striving to love the Lord my God with all my heart, soul and mind, and my neighbor as myself (I often fall short, but keep striving!), I also strive to be obedient to God and His Word.  One of the areas requiring the most obedience, and also posing the most challenge, is our money and how we use it.  I and my family have been "walking the talk" in obedience for several years now, and we have received far more in blessings than we have given.

Here are some Biblical principles for money that apply well to everyone.  These are all part of the Kingdom Advisors training, and we have personally followed them in our family for several years.  (It was reassuring to find that we were living these principals before taking the training).

  1. Do not spend more than you make.
  2. Do not be a debtor.
  3. Give in proportion to your income.
  4. Build liquidity.
  5. Set long term goals.
  6. There are no independent financial decisions.
  7. The longer term the perspective, the better the financial decision made today.
  8. Financial maturity is the being able to give up today's desires for future benefits.
It is hard to argue that these are not solid principles, regardless of your world view.  Giving may be more difficult to grasp if you are not a Christ-follower.  However, I think that most people are charitably minded to some extent.

There is far more involved in applying Biblical principles of finance than can be listed on a web page.  If it is something important to you, I will be more than pleased to help you through the process.

...he who gathers money little by little makes it grow.
Proverbs 13:11

One man pretends to be rich, yet has nothing;
another pretends to be poor, yet has great wealth.
Proverbs 13:7

Blessed is the man who finds wisdom,
the man who gains understanding,
for she is more profitable than silver,
and yields better returns than gold.
Proverbs 3:13-14

Do not wear yourself out to get rich;
have the wisdom to show restraint,
Cast but a glance at riches, and they are gone,
for they will surely sprout wings
and fly off to the sky like an eagle.
Proverbs 23:4-5

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