Category Archives: Financial

God’s Way To Prosperity

“Blessed is the one who does not walk in step with the wicked or stand in the way that sinners take or sit in the company of mockers, but whose delight is in the law of the Lord, and who meditates on his law day and night. That person is like a tree planted by streams of water, which yields its fruit in season and whose leaf does not wither— whatever he does prospers.”
~ Psalm 1:1-3

“Blessed are those who trust in the Lord and have made the Lord their hope and confidence. They are like trees planted along a riverbank, with roots that reach deep into the water. Such trees are not bothered by the heat or worried by long months of drought. Their leaves stay green, and they never stop producing fruit.”
~ Jeremiah 17:7-8

AS WE ALL KNEW, God created our first parents in His own image; and were “free” to eat all fruits of every tree except the forbidden one, in the garden of Eden.

The Scripture provides, “So God created man in his own image, in the image of God created he him; male and female created he them.” (Genesis 1:27 KJV)

“And the Lord God took the man, and put him into the garden of Eden to dress it and to keep it. And the Lord God commanded the man, saying, Of every tree of the garden thou mayest freely eat: But of the tree of the knowledge of good and evil, thou shalt not eat of it: for in the day that thou eatest thereof thou shalt surely die. (Genesis 2:15~17 KJV)

The foregoing passage seems to imply that if the first parents of mankind – Adam and Eve – obeyed God in their lifetime, they would enjoy lasting divine providence. Regrettably, they disobeyed God. Thus, they were no longer allowed to freely eat food but compelled to toil until death.

The Scripture again provides, “By the sweat of your brow you will eat your food until you return to the ground, since from it you were taken; for dust you are and to dust you will return.” (Genesis 3:19)

Interestingly, however, because of God’s unconditional love, He again initiated to restore mankind to prosperity; which was the original purpose of their creation.

Sad to say, only few people knew this truth and responded to God. Hence, many remain in the desperation of severe poverty. As Henry David Thoreau observed, “Most men lead lives of quiet desperation, and go to the grave with the song still in them.”

Each one, then, has to respond on God’s purpose of prosperity. The Scripture affirms, “The Lord will fulfill His purpose for me.” (Psalm 138:8)

A requisite is to submit and reconcile with God. As an unknown learner reminds, “Submit to God and be at peace with him, in this way prosperity will come to you.”

Recognize First God And His Decrees  

“But seek first his kingdom and his righteousness, and all these things will be given to you as well.”
~ Matthew 6:33

After the downfall of Adam and Eve, succeeding generations suffered. But, as mentioned earlier, God again initiated to restore mankind to prosperity.

Many people, however, do not recognize the Creator; and so, God patiently reminds, “I am your Creator. You were in my care even before you were born.” (Isaiah 44:2)

This adamant attitude of man – of turning away from God and His decrees – started even at the time of our ancestors. Still, God is always waiting that we return to Him.

The Scripture provides, “Ever since the time of your ancestors you have turned away from my decrees and have not kept them. Return to me, and I will return to you,” says the Lord Almighty.“But you ask, ‘How are we to return? (Malachi 3:7)

More so, God surprisingly revealed that mankind rob Him; by not giving back all the tithes and offerings. Hence, they were – and their whole nation – under a curse.

The Scripture again provides, “Will a mere mortal rob God? Yet you rob me. “But you ask, ‘How are we robbing you?’ “In tithes and offerings. You are under a curse—your whole nation—because you are robbing me.” (Malachi 3:8-9)

Interestingly, God resolved the foregoing situation by telling people to bring their tithes (ten percent of income, big or small) into the storehouse; to support respective churches that we belong to.

In return, God promised to pour out so much blessing; or, better yet, would restore mankind to prosperity, if they will faithfully comply to His decree.

The Scripture has sustained, “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 there will not be room enough to store it.” (Malachi 3:10)

If you noticed, God even challenges mankind to “test” Him, by giving back the whole tithe; which also seems to imply we recognize  God.

Perhaps, many people have not yet discovered God’s way to prosperity – through “tithing.”  Or, if they knew about it, they lack the trust to obey  concretely.

If so, God’s promise of blessing shall be fulfilled. As the Scripture affirmed, “So is my word that goes out from my mouth: It will not return to me empty, but will accomplish what I desire and achieve the purpose for which I sent.” (Isaiah 55:11)

Be Faithful In Little Things

“If you are faithful in little things, you will be faithful in large ones. But if you are dishonest in little things, you won’t be honest with greater responsibilities.”
~ Luke 16:10

Please be mindful that we are only “stewards” of our worldly possessions; because – in the truest sense – God is the absolute real owner. He just gave us the chance to manage or handle the temporal things He entrusted to us.

If we are aware of this foregoing truth, we would be faithful in handling financial matters, even to its little details; until, gradually, we will be entrusted of bigger ones.

If you noticed, almost in all normal or natural courses of life, people seem to start small, before handling bigger undertakings.

In any job or work, for instance, normally it starts from lower position before going up to higher ones. It depends on one’s capacity, efficiency, diligence, hard-working attitude and – above all – faithfulness, just to name a few.

In short, if a person is faithful or trustworthy in handling small things, surely, he will be given the chance to handle bigger things.

As Robert Collier simply but aptly put it, “Success is the sum of small efforts, repeated day in and day out. Work hard and be faithful with little things, and then you will be ready to be handed the bigger things.”

Similarly, if we are faithful in handling small earnings, gradually, we will be given the chance – by God – to be entrusted with bigger ones. And if we keep on passing the tests of faithfulness, God may further orchestrate things in our favor; so that prosperity will come to us, sooner than later?

More so, if faithfulness becomes a pattern or norm of our family, it may catapult us to perpetuating prosperity; leaving our succeeding generations rare beneficial legacy. Mother Teresa, then, seriously advises, “Be faithful in small things because it is in them that your strength lies.”

Please be mindful, however, that practicing God’s way to prosperity has to undergo a natural process or marathon type of financial journey.

We should not conform, therefore, to the pattern of this world of getting-rich-quick scheme or sprint type of acquiring wealth. As an unknown learner aptly said, “Wealth acquired quickly, may be lost easily.”

The Scripture complemented, “Do not conform to the pattern of this world, but be transformed by the renewing of your mind.” (Romans 12:2)

Prioritize Value Over Money

“Give a man a fish and you feed him for a day. Teach a man to fish and you feed him for a lifetime.”
~ Chinese Proverb

Russell H. Conwell, Founder of Temple University and Baptist Minister, Lawyer, International Journalist and Author of the bestselling book entitled : Acres Of Diamonds, has a profound and serious advice:

“It is no help to your children to leave them money, but if you leave them education, Christian and noble character, wide circle of friends, an honorable name, it should have better than they should have money. If you have inherited money, don’t regard it as help. It will curse you through the years, and deprive you of the very best things of human life.”

If you noticed, Russell H. Conwell, as a baptist minister and lawyer, seemed gifted with faith and reason, respectively; for his perception implies a contemplated truth.

Timely, John Paul II – deeply spiritual and brilliant Pontiff – said, “Faith and reason are like two wings, on which the human spirit rises to the contemplation of truth.”

To highlight, it is so interesting to know that – according to Russell H. Conwell – inherited money should not be regarded as help, but it will curse the heir or receiver through the years; and be deprived of the very best things of life.

In other words, wealth that just seems to fall into your lap,  without personal effort, know-how and experience, is a clear deprivation of the essentials of life.

As Henry David Thoreau profoundly remarked, “Wealth is the ability to fully experience life.”

It seems to imply, then, that the journey towards prosperity is an endeavor that one has to “personally” explore or discover.

More so, to temper our worldly desires, the renowned Albert Einstein suggested, “Try not to become a man of success, but rather try to become a man of value.”

Sad to say, many people are not aware of the foregoing perception.

It is part of our social duty, then, to reveal to others of their own hidden riches. For it is the greatest good we can do for them; far and beyond than sharing our own.

As Benjamin Disraeli aptly reminds,“The greatest good you can do for another is not just share your riches, but to reveal to him his own.”

Finally, the Scripture further reveals, “Blessed are you who hunger now, for you will be satisfied. Blessed are you who weep now, for you will laugh.” ~ Luke 6:21

Holistic Financial Concept

“It is not the creation of wealth that is wrong, but the love of money for its own sake.”
~ Margaret Thatcher

“There are two ways to get enough : One is to continue to accumulate more and more.
The other is to desire less.”
~ G.K. Chesterton

DUE TO INSUFFICIENT KNOWLEDGE, on seemingly complex or fragmentary financial concepts, many people are in a quandary or confused in the so-called financial journey to stability.

In spiritual realm, even some religious devotees have a false concept on financial matters. They believed that living in a temporary world, one ought not be wealthy for man’s permanent destiny is eternity anyway; more so, contradictory to being Godly?

Generally speaking, many would rather – consciously or unconsciously – want to remain poor; comfortably thinking – without valid reason – that to be poor is part of God’s plan.

Conversely, the deeply spiritual and brilliant Pope John Paul II openly declared, “Do not think that God wants you to be poor. God does not want you to be poor.” George Bernard Shaw supplemented, “Beware of false knowledge. It is more dangerous than ignorance.”

In secular realm, on the contrary, most people are quite immersed in accumulating wealth. However, unaware of – or ignoring? – purposeful or ennobled living, some are eventually trapped in the sphere of mere physical existence.

The foregoing financial perplexities can be resolved through a harmonious holistic approach. As Augustine of Hippo, theologian and philosopher, aptly said, “Pray as if everything depends on God. But work as if everything depends on you.”

You Can Be Rich And Holy

Anthony de Mello, S.J., author of the book entitled: One Minute Wisdom, told a short but – seemingly paradoxical – exemplary story:

It intrigued the disciples that the Master who lived so simply would not condemn his wealthy followers.
“It is rare but not impossible for someone to be rich and holy”, the Master said one day.
“How?”
“When money has the effect on his heart that the shadow of that bamboo has on the courtyard.”
The disciples turned to watch the bamboo’s shadow sweeps the courtyard without stirring a single particle dust.

Have A Solid Spiritual Foundation

“For I know the plans I have for you,” declares the Lord, “plans to prosper you and not to harm you, plans to give you hope and a future.”
~ Jeremiah 29:11 (NIV)

Please be reminded that to live in prosperity is an innate right – instituted by God – you should be aware of; for your sublime destiny is at stake.

In retrospect, at-a-glance, when Adam and Eve were created, they cannot be found wanting. Conversely, God bestowed upon them the so-called “divine provision.”

The Scripture provides, Then God said, “I give you every seed-bearing plant on the face of the whole earth and every tree that has fruit with seed in it. They will be yours for food”. ~ Genesis 1: 29 (NIV)

And the Lord God commanded the man, “You are free to eat from any tree in the garden; but you must not eat from the tree of the knowledge of good and evil, for when you eat from it you will certainly die.”~ Genesis 2:16 – 17 (NIV)

Moreover, man was – especially – created to partake in the glory and honor of his Creator. As the Psalmist aptly proclaimed, “What is man, that you are mindful of him, the son of man that you care for him? You made him a little lower than the heavenly beings and crowned him with glory and honor.” ~Psalms 8:4-5 (NIV)

Unfortunately, however, because of disobedience – by eating from the tree of the knowledge of good and evil – the umbilical cord of the aforesaid divine provision was cut off.

Henceforth, mankind need to do everything – by themselves, sometimes in painful toil – in order to live; as a substitute for the rescinded divine provision and freedom, once bestowed upon them by God.

But because of God’s “unconditional” love, He deliberately created plan B – to restore lives; as replacement for the destroyed plan A; so that mankind could again live life to the fullest.

The Scripture provides, “I came so that they could have life—indeed, so that they could live life to the fullest ~ John 10:10 (CEB)

Mankind, therefore, must – above all – recognize God in the restorative process, as one of the pillars to build a solid spiritual foundation; towards the realization of a prosperous living.

The Scripture clearly reminds, “But remember the LORD your GOD, for it is He who gives you the ability to produce wealth, and so confirms His covenant, which He swore to your forefathers, as it is today.” ~ Deuteronomy 8:18 (NIV)

Explore Financial Literacy Cautiously

“We are not taught financial literacy in school. It takes a lot of work and time to change your thinking and to become financially literate.”
~ Robert Kiyosaki

To learn the fundamentals of financial literacy is just the beginning in exploring the intricacies of a financial system.

Most proficients on finance disclosed that only “vital few” – of the world’s population – are “financially literates.” Conversely, sad to say, “trivial many” are “financially illiterates.”

Surprisingly, financially illiterates include even those with formal educational attainment, excellent in the academe, career executives, intellectuals, spiritual persons, and the like.

It seems imperative, therefore, that financial literacy should be explored cautiously; to equip a person in the aforesaid process towards financial stability.

5 Basic Sources Of Income

  1. Employment – income source from government or private companies; including employed lawyers, doctors, accountants, engineers, etc.
  2. Self-Employment – income source from small businesses, who are their own boss; specialists and private practitioners who offer their time, skills, talents and services; including also self-employed lawyers, doctors, accountants, engineers, etc.
  3. Business – income source from big businesses. Employers own a system and people work for them; to plan, manage, direct and control the whole operation, and the like.
  4. Investment – income source from (1) Paper assets, such as: stock market, mutual funds, treasury and corporate bonds, etc.; (2) Real properties, such as: lands, commercial buildings, condominiums or apartments for rent, etc.
  5. Royalty – income source from creation and sale of intellectual properties, such as: books, musical compositions, patents, internet contents, etc.

Further, a person has to study and apply the various conceptual financial components, such as: frugality or living below your means, delaying of gratifications, necessary and unnecessary expenses, paying your debts faster, etc; and moral or ethical values, such as : discipline, honesty, gratitude, extra- mile mentality, and the like.

Henry David Thoreau, briefly but deeply said, “Wealth is the ability to fully experience life.”

2 Kinds Of Income

“An investment in knowledge pays the best interest.”
~ Benjamin Franklin

  1. Active Income (man works for money, working hard, manual money machine).

“Employment” and “Self-employment,” belong to this category. One of its advantages is that, you do not need any capital to start with; only your education, skill, talent, experience, time, etc. – to render your services. In return, you will earn money; the reason why most people rely on Active Income from the start of their working lives.

The obvious disadvantage, however, is that : the moment you stop working, you stop earning money too. Hence, you may create additional source/s of active income to attain your financial goal, sooner than later.

2. Passive Income (money works for man, working smart, automatic money machine).

“Big Business,” “Investment,” and “Royalty” belong to this category. It requires initial money to invest with; and, likewise, education, skill, talent, experience, time, etc.

But once you have the profound financial knowledge and experience, you will earn continuing income/s with lesser efforts; yet your “net worth” continues to grow.

In fact, most financial experts consider Passive Income as the holy grail or key towards financial freedom.

As you explore, therefore, and become familiar with the details of financial literacy, the same will be embedded into your mind; and become an integral part of a mental framework.

If so, there will be a gradual manifestation of a financial paradigm shift from : Active Income (working hard) to Passive Income (working smart). Otherwise, a combination of both.

Apparently, in conclusion, holistic financial concept – first and foremost – is a mind-over-matter issue. More so, continuing study and strict application of its various valuable details may ultimately lead an individual towards – absolute – freedom.

As the renowned Albert Einstein profoundly remarked, “All religions, arts and sciences are branches of the same tree. All these aspirations are directed toward ennobling man’s life, lifting it from sphere of mere physical existence and leading the individual towards freedom.”

The Scripture briefly but precisely affirmed, “For you have been called to live in freedom, my brothers and sisters.” ~ Galatians 5:13 (NLT)