FINANCIAL MARGIN

Every time someone takes a step in stewardship, they mark a significant spiritual victory, refusing to buy into the world's deceptions that our self-worth is determined by our net worth. And Scripture helps us in the task. The Bible offers 500 verses on prayer, less than 500 on faith, but more than 2000 verses on money and possessions. In the Gospels, one out of ten verses deals directly with the subject of finances.

Are you using your

MONEY WISELY?

Learn how you can glorify and honor God through building a Bible-based and Spirit-led FINANCIAL STEWARDSHIP.

MARGIN: The amount available beyond what is necessary.

PROVERBS 21:20

In the house of the wise are stores of choice food and oil, but a foolish man devours all he has.

1 TIMOTHY 6:6-10

6 But godliness with contentment is great gain. 7 For we brought nothing into the world, and we can take nothing out of it. 8 But if we have food and clothing, we will be content with that.

9 People who want to get rich fall into temptation and a trap and into many foolish and harmful desires that plunge men into ruin and destruction. 10 For the love of money is a root of all kinds of evil. Some people, eager for money, have wandered from the faith and pierced themselves with many griefs.

1 TIMOTHY 6:6-10

OUR CULTURE’S DEFINITION OF HAPPINESS:

MORE THAN I CURRENTLY HAVE.

Our Culture is lying because what it says is that what you have is not always enough

You to have buy what is Necessity for you first then buy what Satisfies then buy for Recognition

Our problem is not income problem but

it is lifestyle problem.

Do not store up for yourselves treasures on earth, where moth and rust destroy… 20 But store up for yourselves treasures in heaven… 21 For where your treasure is, there your heart will be also.

MATTHEW 6:19-21

HOW DO WE CREATE

FINANCIAL MARGIN?

Earn more and spend less.

YOU PUT GOD FIRST IN YOUR

FINANCES!

But seek first his kingdom and his righteousness, and all these things will be given to you as well.(NIV)

MATTHEW 6:33

WHEN YOU PUTGOD FIRST?

1.

You experience God’s blessings.

MALACHI 3:10

Bring the whole tithe into the storehouse, that there may be food in my house. Test me in this," says the Lord Almighty, "and see if I will not throw open the floodgates of heaven and pour out so much blessing that you will not have room enough for it.

When we give our best to God then

God will bless the rest.

DAVID GREEN

He is a 70 year old billionaire and founder of Hobby Lobby, an arts and crafts chain with 520 superstores in 42 states. Green and his family own 100% of the company and he ranks No. 79 on the list of the 400 richest Americans, with an estimated net worth of $4.5 billion.

“If you have anything or if I have anything, it’s because it’s been given to us by our Creator,”

says Green, “So I have learned to say, ‘Look, this is yours, God. It’s all yours. I’m going to give it to you.’” Green keeps the total amount of his giving private but Forbes has estimated his total lifetime giving at above $500million, making him the largest individual financier of evangelical causes in America.

Green sponsors the YouVersion Bible app for mobile phones which has already been downloaded over 50 million times. He also plans to give 90% of his wealth to ministry work when he dies. He is the owner of the largest private collection of biblical antiquities in the world and plans to open the Museum of the Bible within three years.

Green says, “For me, I want to know that I have affected people for eternity. I believe I am. I believe once someone knows Christ as their personal savior, I’ve affected eternity. I matter 10 billion years from now. I matter. Someone that does all this doesn’t matter. I’m sorry, it’s gone.”

Green recalls the memory of his parents’ putting their last dime on the collection plate. His father was a poor preacher yet despite their financial state, Green’s mother stepped out in faith and regularly gave to the church. He attributes his blessing to his mother’s giving and the fact that he continues to give today.

2.

You become supernaturally content.

PROVERBS 15:16

Better a little with the fear of the Lord than great wealth with turmoil.

Happiness is contentment with what you have. God is enough. Jesus is enough.

Jesus is everything in your life.

JIN SOOK DO WON CHANG

Jin Sook and her husband Do Won Chang rank No. 79 on the list of the 400 richest Americans, in joint place with David Green. They are the founders of fashion retail outlet “Forever 21″. In 1981 they immigrated to America from Korea. Do Won held three jobs to survive, doing janitorial work , pumping gas and working in a coffee shop.

They soon opened their first clothing store in 1984. Today Forever 21 operates 480 stores with an estimated annual turnover of over $3 billion. Jin Sook and Do Won Chang make a point of printing John 3:16 on the bottom of every Forever 21 shopping bag.

3.

You end up with more of what matters.

PROVERBS 8:18-19

With me are riches and honor. With me are lasting wealth and success.19 My fruit is better than fine gold. My gifts are better than the finest silver.

TRUETT CATHY

Truett Cathy is the 91 year old founder of food outlet Chick-fil-A and ranks No. 89 on the list of the 400 richest Americans. He opened his first Chick-fil-A outlet in Atlanta in 1967. Forty-five years later, the devout Baptist is the CEO of the second largest fried chicken chain in the country, with KFC being the largest. All Chick-fil-A stores are always closed on Sundays so that employees can attend church services.

We can learn much from these Christian billionaires who have trusted God with their businesses, given towards Kingdom expansion and how, despite their extraordinary financial success, they remain humble and unashamed of the Gospel.

Forbes magazine has released its list of top 50 richest people in the Philippines.

On top for the sixth straight year is mall tycoon Henry Sy, with a $12 billion net worth - a $2.9 billion increase from a year ago.

Here's the Forbes list of the richest people with their estimated net worth:

1. Henry Sy (SM group) - $12 billion 2. Lucio Tan (LT group) - $7.5 billion 3. Andrew Tan (Megaworld) - $4.6 billion 4. Enrique Razon (ICTSI) - $4.5 billion 5. John Gokongwei Jr. (JG Summit) - $3.4 billion 6. Jaime Zobel de Ayala (Ayala Corp.) - $3.1

billion 7. Aboitiz family (AEV) - $3 billion 8. David Consunji (DMCI) - $2.7 billion 9. George Ty (Metrobank) - $2.6 billion 10. Lucio & Susan Co (Puregold) - $1.9 billion 11. Tony Tan Caktiong (Jollibee) - $1.7 billion 12. Robert Coyiuto Jr. - $1.5 billion 13. Emilio Yap (Philtrust Bank) - $1.35 billion 14. Roberto Ongpin - $1.3 billion 15. Inigo & Mercedes Zobel - $1.2 billion

Here's the Forbes list of the richest people with their estimated net worth:

16. Manuel Villar (Vista Land) $1.05 billion 17. Andrew Gotianun (Filinvest) $1 billion 18. Beatrice Campos (Unilab) $900 million 19. Vivian Que Azcona (Mercury Drug) $840 million 20. Eduardo Cojuangco Jr. (San Miguel) $825 million 21. Alfonso Yuchengco - (Yuchengco group) $705

million 22. Oscar Lopez (Lopez Holdings) $675 million 23. Betty Ang (Monde Nissin) $600 million 24. Jorge Araneta (Araneta group) $505 million 25. Carlos Chan (Liwayway) $500 million 26. Michael Romero (Global Port 900) $490 million 27. Eric Recto $485 million 28. Mariano Tan Jr. (Unilab) $435 million 29. Frederick Dy (Security Bank) $290 million

Here's the Forbes list of the richest people with their estimated net worth:

30. Walter Brown (Atok-Big Wedge) $270 million

31. Ramon Ang (San Miguel) $260 million

32. Jose Antonio (Century Properties) $255 million

33. Wilfred Uytengsu Jr. $250 million

34. Manuel Zamora Jr. (Nickel Asia) $240 million

35. Jacinto Ng Sr. (Asia United Bank) $230 million

36. Alfredo Ramos (National Book Store) $225 million

37. Gilberto Duavit (GMA Network) $224 million

38. Menardo Jimenez (GMA Network) $223 million

39. Edgar Sia II (Mang Inasal founder) $210 million

Here's the Forbes list of the richest people with their estimated net worth:

40. Bienvenido Tantoco Sr. (Rustan's) $205 million

41. Felipe Gozon (GMA) $200 million

42. Alfredo Yao (Zest-O) $180 million

43. Michael Cosiquien (Megawide Construction) $175 million

44. Edgar Saavedra (Megawide Construction) $170 million

45. Juliette Romualdez (Benguet Mining) $165 million

46. Tomas Alcantara (Alsons Consolidated) $160 million

47. Lourdes Montinola (FEU) $155 million

48. Luis Virata (Nickel Asia) $120 million

49. Philip Ang (Nickel Asia) $115 million

50. Manuel Pangilinan (PLDT, First Pacific) $105 million

You will be rich relationally,

spiritually, and emotionally.

Six practical ways to restore financial

margin in your life

1.

“Live within your harvest.”

2.

Discipline desires and redefine needs.

3.

Decrease spending.

4.

Increase savings.

5.

Make a budget.

6.

Resist impulses.