Thank you for taking the time to visit this web site.  I pray this lesson will help you get started on the road to financial freedom.  This study will help you understand some of the basic principles behind good financial stewardship.  Also, you may be interested in the study “Borrowing Money” to help with the finances.


One of the leading causes of divorce in our country is financial trouble.  It doesn’t have to happen to you.  You can be free financially.  You can enjoy a happy life free from financial disaster.  The principles we will discuss come from the source of truth, the Bible.  Yes, the Bible does have something to say about money.  In fact, it has a lot to say about it.  Jesus Christ said more about money than he did heaven or hell.  Interesting?  I think so.  I hope this lesson will be the starting point to enjoying a life without debt.  Sound too good to be true?  Well, it isn’t too good to be true, it is true!


Principle Number One


The first principle we need to look at is the nature of money.  Money has the tendency to corrupt.  Oh, I know, it isn’t the money so much as what the money represents.  It represents material possessions, power, prestige etc..  Money desires to control your heart.


“For the love of money is the root of all evil: which while some coveted after, they have erred from the faith, and pierced themselves through with many sorrows.” 1 Tim. 6:10 (KJV) 


Here we have a profound statement of fact.  Money can steal a man/woman’s heart to the point that he/she covets it.  This covetousness leads to all evil.  Think about this.  All evil covers a lot of things doesn’t it?  In other words we can get side tracked from the real joys of life by something that doesn’t satisfy.  The sorrows that come when we live for money are great in number.  One of these sorrows is the fact that we give up almost everything and when it is said and done we still haven’t reached our goal.


“Wilt thou set thine eyes upon that which is not? for riches certainly make themselves wings; they fly away as an eagle toward heaven.” Proverbs 23:5 (KJV) 


This simply says that when we set our eyes on money it will fly away from us and we will be discouraged.


Question #1  Do you have a goal of being rich.


Principle Number Two


“He that loveth silver shall not be satisfied with silver; nor he that loveth abundance with increase: this is also vanity.” Eccles. 5:10 (KJV) 


The second principle is “money cannot and never will satisfy”.  Think about it, when you are down and need some encouragement, do you go to your car for comfort?  Probably not.  How about to your bank?  No.  What about the land you own?  In most cases we don’t go to these things because they simply cannot make us happy. 


Why would we want to spend our entire life seeking for something that will not make us fulfilled?  The word vanity means empty or void.  Many lives are empty and void because they thought money or possessions would make them happy.  If we go down this road we will surely find many sorrows.  I would like to recommend the study titled “Finding Happiness” for a more in depth look at this second principle.


Question #2  Where do you turn when things go wrong?


Principle Number Three


To be free you must be free!?  There really is no way to be free when you are in bondage.  That sounds pretty elementary yet it is overlooked in much of the world today.


“The rich ruleth over the poor, and the borrower is servant to the lender.” Proverbs 22:7 (KJV) 


Freedom only comes when you are free.  Debt is looked at here as bondage.  If you are not free you must take steps to become free.  How do you feel when a bill comes in the mail and there is little money in the bank?  Do you dread the first of the month when the bills start rolling in?  Does debt affect your relationship with your wife, friends or children?  Do you find yourself being irritable and upset a lot of the time?  If the answer to these is in the affirmative then you may be in bondage.  God’s wants us to be free in life.  With freedom comes happiness, contentment, joy, no fear (not just on a bumper sticker) and hopefulness for the future. 


Principle three establishes that debt is bondage and when you are in debt you cannot be free.  Why not start today by maybe cutting up the credit cards and stop borrowing. The way to do this is to learn to be happy with what you have. This can be found in the last principle.  


Question #3  Are you irritable and upset much of the time because of too much debt hanging over your head?


Principle Number Four


Learn to be content.  If there is anything in America we need, it is contentment.  Contentment is defined as satisfaction.  Are you satisfied with the way your life is going?  In your heart of hearts are you happy?  If your answer is no, don’t worry you are like many in the world today.  The good news is there is a way to turn this around and be happy.  The Apostle Paul gave us the principle to happiness.


“…for I have learned, in whatsoever state I am, therewith to be content. [12] I know both how to be abased, and I know how to abound: every where and in all things I am instructed both to be full and to be hungry, both to abound and to suffer need. [13] I can do all things through Christ which strengtheneth me.” Philip. 4:11-13 (KJV) 


Being content involves looking at the things you have in life with a positive attitude.  Paul had to learn this.  We do too!  Sometimes we look around us and see what others have and desire to have more ourselves.  This can be a dangerous thing because it sets up an attitude that is selfish and self-centered.  Purchases are made today for things that are not needed but simply because “I want it”.  There is a difference in wanting and needing you know. 


“But my God shall supply all your need according to his riches in glory by Christ Jesus.” Philip. 4:19 (KJV


Contentment makes sense when Jesus Christ steps into the equation.  We are assured that he will never leave us nor forsake us and that he will provide the basic needs of life.  When God’s will becomes the most important thing, it is amazing how fast the blessings start to come.  When our priorities are in the right place we actually allow God to open the windows of heaven and bless us more than the First National Bank can.


 “Therefore take no thought, saying, What shall we eat? or, What shall we drink? or, Wherewithal shall we be clothed? [32] (For after all these things do the Gentiles seek) for your heavenly Father knoweth that ye have need of all these things. [33] But seek ye first the kingdom of God, and his righteousness; and all these things shall be added unto you.” Matthew 6:31-33 (KJV) 


God knows what we need and he will provide it when we turn the reigns of our life over to him.  Too often we think that God is not concerned about our personal situation.  He is concerned and wants us to come to him and ask for direction and help with our finances.  When our priority is to “do it right” we can and will find the right way. 


Question #4 Do you find yourself buying things you really don’t need?  (NOTE: Before answering this write down everything you purchased last month and how much it cost.  Put them into categories such as eating out, entertainment, food etc.  You might be surprised at the result.)




In conclusion I would like to say that debt is a heavy bondage on many people today.  The study titled “Borrowing Money” may be of help also.  If you are struggling under the load of debt there are many places you can go for help.  We may have someone in your area that can help you.  Simply let us know and we will give you a way to contact them.  If there are other questions you have just leave them here and I will get back with you as soon as possible.  Enjoy the lesson? Let me know.  It will be an encouragement to me.  You can do this by clicking here.  I hope to see you soon at any of the other lessons.  Thanks for stopping by.





Greg Wirths


Focus on Freedom


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  1. […] debt?  You may find freedom is just around the corner.  I have written two studies entitled “Financial Freedom” and “Borrowing Money”.  If you or someone you know is struggling with these issues why not […]

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