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Lesson 2:         Debt, and Debt Reduction Strategies
We will look at what the Bible has to say about Debt, and we will also look at strategies to reduce your Debt.

Lesson 3:         Cash Flow Analysis
We will study a Cash Flow Analysis Spreadsheet, which will give you a snap shot of where you are financially. If you don’t know where you are, you can’t possibly know where you are heading. Your Homework will be to fill out the Cash Flow Analysis with your personal information. You need to know if you are in a positive or negative Cash Flow situation. You will not be sharing your private information with anyone, but after filling it out, you may have some questions for the next meeting.

Lesson 4:         Questions and Answers
Bring your questions, and we will have an open discussion. We will also discuss the merits of RRSP’s and TFSA’s (Tax Free Savings Accounts)

Lesson 2 – Debt

2 a) Debt

“Let no debt remain outstanding except the continuing debt to love one another…”Romans 13:8a

God’s perfect plan for us would be to not have any debt.

The wicked borrow and do not repay, but the righteous give generously;Psalm 37:21

The rich rule over the poor, and the borrower is slave to the lender.Proverbs 22:7

In the past I have seen Christians pay their tithe, but then bounce their Rent bill, or their hydro bill. I believe this dishonours God. We are to be a witness in our community, in all aspects of our life, including how we handle our finances.

The Bible says (James 5:12b) “let your ‘yes’ be yes, and your ‘no’ be no”. If you have agreed to pay rent, or hydro, or you name it, then you are obligated to pay. Fulfilling your word is part of your testimony in the community.

If you are not where you want to be financially, do not be dismayed. God’s not done with you yet. And remember…

“There is now no condemnation for those who are in Christ Jesus”.Romans 8:1a

There is hope, because…


“He who began a good work in you will bring it to completion until the day of Christ Jesus.”Philippians 1:6

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