About LiFT Institute at SEU
The LiFT Institute at Southeastern University exists to equip individuals and families with the tools they need to thrive financially, professionally, and personally. Rooted in biblical values and committed to community transformation, the Institute empowers people through practical financial literacy and leadership development.
Our mission is to foster sustainable growth, informed stewardship, and meaningful collaboration by meeting learners right where they are from the earliest grades through adulthood. Through our four pillars Financial Stewardship, Workforce Development,
Nonprofit Sustainability, and Organizational Excellence we provide programs that build confidence, character, and capability
This curriculum reflects our belief that it’s never too early to learn wise money habits and that every child has the potential to be a faithful steward By combining age-appropriate lessons with real-world application and biblical truth, we aim to lay the foundation for a future marked by financial responsibility, generosity, and purpose.
Welcome to the journey!
Connecting Money to Needs and Wants
Objectives:
Students will be able to demonstrate that money comes from working Students will be able to demonstrate the difference between needs and wants.
Students will be able to apply that knowledge to use their money for God’s glory.
Students will be able to define integrity.
Lesson 1: Connecting Money to Needs and Wants
Memory Verse
But Jesus looked at them and said, “With man this is impossible, but with God all things are possible.” (Matthew 19:26)
Vocabulary
Money
Work
Integrity
Something generally accepted as a medium of exchange for good or services
To perform work or fulfill duties regularly for wages or salary.
Doing the right thing, even when no one is watching by being honest and making good choices.
Saving
Putting some of your money away so you can use it later.
Needs
Wants
Things we must have to survive, like food, water, and a place to live.
Things we would like to have, but we don’t need them to live, like eating out, candy or shopping
Lesson 1: Connecting Money to Needs and Wants
Prayer
Dear God, thank You for giving us everything we need Help us learn how to be wise, share what we have, and take care of the money You give us Teach us to be thankful and to trust You with all we have We love You and want to honor You in all we do Amen.
Memory Verse
But Jesus looked at them and said, “With man this is impossible, but with God all things are possible” (Matthew 19:26)
Discussion
Lesson 1: Connecting Money to Needs and Wants
2 Thessalonians 3:6-12
In the name of the Lord Jesus Christ, we command you, brothers and sisters, to keep away from every believer who is idle and disruptive and does not live according to the teaching you received from us For you yourselves know how you ought to follow our example. We were not idle when we were with you, nor did we eat anyone’s food without paying for it. On the contrary, we worked night and day, laboring and toiling so that we would not be a burden to any of you. We did this, not because we do not have the right to such help, but in order to offer ourselves as a model for you to imitate For even when we were with you, we gave you this rule: “The one who is unwilling to work shall not eat.” We hear that some among you are idle and disruptive. They are not busy; they are busybodies. Such people we command and urge in the Lord Jesus Christ to settle down and earn the food they eat (2 Thessalonians 3:6-12)
What are your thoughts on working?
Lesson 1: Connecting Money to Needs and Wants
What are your Future Goals?
What would you like to do after you graduate and what jobs are you interested in?
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Lesson 1: Connecting Money to Needs and Wants
What is your favorite restaurant?
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What kind of house do you want to live in one day?
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What is your favorite pair of sneakers?
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Are these cars, sneakers or clothes a need or a want?
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Lesson 1: Connecting Money to Needs and Wants
2.
Weekly Meal Planning
Plan a dinner menu for one week, using a total food budget of $100.
Lesson 1: Connecting Money to Needs and Wants
But the fruit of the Spirit is love, joy, peace, patience, kindness, goodness, faithfulness, gentleness, self-control; against such things there is no law. (Galatians 5:22-23) 22 23
Did you find coupons from any stores?
How did you budget?
What favorite meals did you plan?
Did you have money leftover?
Lesson 1: Connecting Money to Needs and Wants
The Importance of Community 3.
Be in community! Why? Because you can share meals, recipes, clothes and rides. Plus, you can do life together! We were meant to live this way and help each other. Just being here and sharing how we used our money is being in community.
Here are a couple of Bible verses that remind us of the importance of community:
Therefore encourage one another and build each other up, just as in fact you are doing. (1 Thessalonians 5:11)
Two are better than one, because they have a good return for their labor... Though one may be overpowered, two can defend themselves. A cord of three strands is not quickly broken.
(Ecclesiastes 4: 9,12) 9 12
As iron sharpens iron, so one person sharpens another (Proverbs 27:17)
How can we build community and help each other?
Lesson 1: Connecting Money to Needs and Wants
Scripture Connection
We are called to practice patience and self-control especially when it comes to spending money. These are not always easy to do, but God can help us. The Bible tells us to ask, and we will receive when what we ask for lines up with His will.
Ask and it will be given to you; seek and you will find; knock and the door will be opened to you. (Matthew 7:7)
This doesn’t mean we can ask for anything—like money, fame, or things—and expect to get it. God is not like a genie. He wants us to have a relationship with Him first. When we’re close to Him, our desires start to match His desires. That includes how we handle our money and the choices we make with it.
God wants us to take care of the things He’s given us—including our finances. That means making wise choices, learning to say no to wants, and focusing on what we truly need.
If you believe, you will receive whatever you ask for in prayer (Matthew 21:22)
Jesus said this after performing a miracle, but it doesn’t mean we get everything we ask for. If we truly believe and trust God, we will start asking for what honors Him—not just what we want. Even then, God sometimes says “no” or “not yet.”
For the word of God is alive and active. Sharper than any doubleedged sword, it penetrates even to dividing soul and spirit, joints and marrow; it judges the thoughts and attitudes of the heart. (Hebrews 4:12)
Lesson 1: Connecting Money to Needs and Wants
God’s Word helps us see what’s really going on in our hearts. It can guide us when we’re not sure if we’re making a wise decision —or just following a selfish desire.
If any of you lacks wisdom, you should ask God, who gives generously to all without finding fault, and it will be given to you.
(James 1:5)
When you’re unsure about a decision—like whether to buy something ask God for wisdom. He promises to help!
How do these verses help us choose between a need and a want?
Lesson Wrap-Up
Reflection 1.
This week, how can we be more thoughtful about our spending?
Lesson 1: Connecting Money to Needs and Wants
What are some ways we can pause and ask ourselves, “Is this a need or a want?” before making a purchase?
Prayer 2.
Dear God, Thank You for giving us everything we have, including our money Help us use it in ways that make You happy like helping others, saving for what we need, and giving back to You. Teach us to be wise and thankful with every penny. We want to use our money to show love and make good choices. Amen.
Home Connection
We all have habits some good, some not so good! One way to build better habits is by continuing to learn and practice them at home
This week, when you’re about to spend money, let’s take a moment to pause and pray Ask God, “Do I really need this or do I just want it?”
If you realize it’s just a want, ask God to help you practice self-control Instead of focusing on what you don’t have, take time to thank God for what you do have. Gratitude helps us stay content and avoid spending just to feel better.
The Life Cycle of Your Money
Objectives:
Students will be able to demonstrate their knowledge of how to wisely use their money
Lesson 2: The Life Cycle of Your Money
Memory Verse
But Jesus looked at them and said, “With man this is impossible, but with God all things are possible.” (Matthew 19:26)
Vocabulary
Spender
Someone who pursues the greatest possible present consumption, even if mindful of the need to save some.
Saver
Servant
Strives to limit consumption to some extent, focusing instead on increased wealth accumulation.
Orients their life around limiting both consumption and wealth-building, focusing instead on giving the most money they can toward blessing other people
Lesson 2: The Life Cycle of Your Money
Prayer
Dear God, thank you for showing us You are with us Help us to learn to manage our money wisely When we fail, thank You that You pick us back up to start again anew We love and honor You Amen.
Memory Verse
But Jesus looked at them and said, “With man this is impossible, but with God all things are possible.” (Matthew 19:26)
1. Connect
Welcome
Did learning about how needs and wants affect how you spent your money at least give you pause before you bought something?
Did you have a moment where you were tempted to buy something this week? What happened?
Lesson 2: The Life Cycle of Your Money
Scripture Connection
Do not lay up for yourselves treasures on earth, where moth and rust destroy and where thieves break in and steal, but lay up for yourselves treasures in heaven, where neither moth nor rust destroys and where thieves do not break in and steal For where your treasure is, there your heart will be also (Matthew 6:19-21)
What treasures do you have?
What do you consider treasure?
How can we take care of our treasure right now?
20 21
Even though we may have treasures on earth, we can find our true treasure in Jesus! It is not bad to have treasures, but we shouldn’t have it all for our own selves. Everything we do should be for the Lord. We want to be good stewards of what He has given us.
Discuss Lesson 2: The Life Cycle of Your Money
Uses of Money
Where does money comes from.
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How will you use the money earned from your hard work?
Lesson 2: The Life Cycle of Your Money
Idea:
WHAT CAN YOU DO WITH MONEY?
Idea: Idea:
Idea:
Money
Uses:
Idea:
Idea:
Lesson 2: The Life Cycle of Your Money
When you get money whether through work or as a gift, what do you want to do with it? What have you done with it?
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How does money make you feel?
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When you get a little bit of money what do you do with it?
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Do you think about your future with money?
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Lesson 2: The Life Cycle of Your Money
2.
How People Interact with Money
In the book God and Money by John Cortines and Gregory Baumer they put people into three categories according to how to use their money: Spenders, Savers, and Servants.
Spender: represented by most people in the Western world, is someone who pursues the greatest possible present consumption, even if mindful of the need to save some.
Saver: strives to limit consumption to some extent, focusing instead on increased wealth accumulation.
What is your “money mindset”? Which do you want to be?
Servant: orients their life around limiting both consumption and wealth-building, focusing instead on giving the most money they can toward blessing other people. Is saving your money a bad thing?
Is spending your money a bad thing?
Lesson 2: The Life Cycle of Your Money
Lesson Wrap-Up
1. Prayer
Reflection
How has this lesson caused you to think differently about money?
Does evaluating how you are with money feel difficult? In what way?
Does managing money feel possible? How?
2.
Dear God, Thank You for giving us everything we have, including our money. Help us use it in ways that make You happy like helping others, saving for what we need, and giving back to You. Teach us to be wise and thankful with every penny We want to use our money to show love and make good choices Amen
Lesson 2: The Life Cycle of Your Money
Home Connection
We all have habits some good, some not so good! One way to build better habits is by continuing to learn and practice them at home
This week, when you’re about to spend money, let’s take a moment to pause and pray Ask God, “Do I really need this or do I just want it?”
If you realize it’s just a want, ask God to help you practice self-control. Instead of focusing on what you don’t have, take time to thank God for what you do have. Gratitude helps us stay content and avoid spending just to feel better.
Budget or Bust!
Objectives:
Students will be able to demonstrate how to create a monthly budget
Lesson 3: Budget or Bust!
Memory Verse
But Jesus looked at them and said, “With man this is impossible, but with God all things are possible.” (Matthew 19:26)
Vocabulary
Budget
Someone who pursues the greatest possible present consumption, even if mindful of the need to save some.
Need
A physiological or psychological requirement for the well-being of an organism (food, clothing, shelter)
Want
Income
Have a desire to possess or do (something); wish for. (not necessary to life)
Money received, especially on a regular basis, for work or through investments.
Expense
The cost required for something; the money spent on something.
Lesson 3: Budget or Bust!
Prayer
Dear God, thank you for your guidance as we learn how to manage our finances Help us to have patience and self control as we take one step closer to our savings goals We thank you for your help We love and honor You Amen
Memory Verse
But Jesus looked at them and said, “With man this is impossible, but with God all things are possible” (Matthew 19:26)
Connect
1.
Welcome
Did you think about spending money? If so, what happened?
How can we continue to be intentional about spending wisely and thinking before spending?
Lesson 3: Budget or Bust!
Scripture Connection
No matter what we do, we want everything we do to point us back to Jesus, even planning for the future
The plans of the diligent lead to profit as surely as haste leads to poverty. (Proverbs 21:5)
What plans do you have for your future?
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Do your plans line up with what God has planned for you?
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How can we plan our finances and also trust in God?
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It can be tempting to go from one extreme to another, from planning everything on our own to being indifferent with what happens. It’s important to remember that God has entrusted us
Discuss Lesson 3: Budget or Bust!
1.
with what we have, while also wanting us to trust and follow Him. He doesn’t want us to do everything on our own.
Let’s remind ourselves that we can participate and trust God with all that He has given us, including our money.
Discussion
What is a budget?
A budget is like your financial Bible—a guide that helps you make wise decisions with your money. Without a budget, it’s nearly impossible to manage your finances well. To make your money work for you, you first have to look at what you have and create a plan.
The goal is for YOU to control your money—not let your money control you! Budgets aren’t meant to be rigid—they're fluid, because life changes. But they should be responsibly fluid, not recklessly flexible. That means adjusting when necessary, while still making thoughtful, wise choices.
Lesson 3: Budget or Bust!
INCOME DAILY SPENDING
EXPENSES BUDGET SAVINGS EXPENSES TOTAL: TOTAL MONTH: MONTHLY
Lesson 3: Budget or Bust!
You are left with $400. How do you wisely spend the money left over?
You will have other expenses that are not accounted for in your budget or unforeseen expenses You will not be able to save the entire amount You can’t just spend it because you have it This is where we pray about what God would have us do with it and how to spend or save it wisely.
Thinking back to what your money mindset is. What would the servant do and how would a servant use this money for God’s glory?
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Remember that you can do all things through Christ. It will be very hard not to spend the leftover $400 that you see in your account. Pray for strength, patience, and self control. You are not alone! God is with you every step of the way. Everything He calls you to He will help you accomplish.
Lesson 3: Budget or Bust!
Lesson Wrap-Up
Reflection 1.
Why is it important to create a budget for your money?
How can using a budget help you make wise choices with what God has given you?
Ask: Does managing money feel possible? How?
Prayer 2.
Dear God, Thank You for teaching us how to plan our money with a budget Help us to make wise choices, remember our needs, and honor You with everything You’ve given us. When it feels hard, remind us that with You, all things are possible. Thank You for being with us and helping us every step of the way. Amen.
Lesson 3: Budget or Bust!
Home Connection
Complete research of a career you are interested in to determine the average income. Use the average income to complete the Budget Worksheet.
Upon determining your career you will need to research rent/mortgage payments, estimated electric and water bills. They will need to find a car that they would like to purchase and how much the monthly payment would be.
Electricity: Gas: Car payment: Mortgage/Rent: Groceries: Water: Giving:
Saving Your Money Part I
Objectives:
Students will demonstrate how to save their money and honor God doing it
Students will demonstrate how to honor God with their spending, saving, and giving.
Lesson 4: Saving Your Money
Part I
Memory Verse
But Jesus looked at them and said, “With man this is impossible, but with God all things are possible.” (Matthew 19:26)
Vocabulary
Habit
Savings
Investment
An acquired mode of behavior that has become nearly or completely involuntary
Money put by the excess of income over consumption expenditures
The action or process of investing money for profit or material result
529 Plan
Also called a Qualified Tuition Program, is a tax-advantaged investment vehicle in the United States designed to encourage saving for the future higher education expenses of a designated beneficiary.
Lesson 4: Saving Your Money
Part I
Prayer
Dear God, Thank You for the chance to learn more about how to use money in a way that honors You Today, help us understand how saving can be a smart way to manage what You’ve given us Teach us to be wise with our spending, faithful in our giving, and intentional with our saving Show us how to honor You in every financial decision we make. Amen.
Memory Verse
But Jesus looked at them and said, “With man this is impossible, but with God all things are possible” (Matthew 19:26)
1. Connect
Welcome
What were you surprised to learn?
Do you see a need to save and spend wisely?
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Lesson 4: Saving Your Money
Part I
Scripture Connection
No matter what we do, we want everything we do to point us back to Jesus, even planning for the future
I have fought the good fight, I have finished the race, I have kept the faith. (2 Timothy 4:7)
You want to keep the faith. Fight for savings and finish strong. You CAN do anything with God’s help. He can provide you with the persistence and self control that you need. A growing faith in God changes your desires into his desires for your life.
7
Ask, and it will be given to you; seek, and you will find; knock, and it will be opened to you For everyone who asks receives, and the one who seeks finds, and to the one who knocks it will be opened (Matthew 7:7-8)
8
What do you think this verse means?
As our faith in Christ grows, we ask God to change our hearts for his glory. Our desires become his desires. Remember Matthew 7:7!
Lesson 4: Saving Your Money
Part I
Discuss
Money Habits
1. Do you bite your nails?
Think about a habit you have in your life. Could be a good habit or a bad habit.
Do you clear your throat?
Do you eat comfort food when you are sad or anxious?
Do you make up your bed when you wake up?
Do you put your plate in the dishwasher when you are finished?
Think of habits in your life. Saving your money each month has to become a habit It has to be something you do each month.
Breaking and creating habits on the working floor: A fieldexperiment on the power of Implementation Intentions
“conscious planning Strikingly resembling habitual processes, recent studies have shown that after forming an implementation intention, a goal-directed behavior becomes strongly linked to situational cues and becomes automatically activated because of these situational cues. The processes underlying effects of planning suggest that the formation of implementation intentions may be a strong tool in order to break habitual behavior and create new habits” (Holland et al, 2006)
Let’s commit to creating healthy saving habits. We have to be focused and intentional about saving. It has to be a plan. It will not just happen. Save on purpose!! People in your life may not understand what you are trying to do. Stay committed and stay the course.
Lesson 4: Saving Your Money
Part I
How can you make personal, intentional and purposeful habits to save and change you money behaviors?
Write down your personal goals for achieving healthy, intentional habits.
Saving on Purpose 2.
When you know things are going to happen you need to plan for them.
Set the tone for yourself We are making ourselves do something Putting action behind our words
How do we Save?
Lesson 4: Saving Your Money
Part I
Activity
Savings Goals
Goal for Christmas Savings Account:
Goal left for Regular Savings Account: ___________
Month AmountDeposited
January
February
March
April
May
June
July
August
September
October November
December
NewBalance (Ending balance from previous month plus deposit Interest I=b*0 003
Ending Balance (NewBalance+ Interest)
Lesson 4: Saving Your Money
What can you give up to to build your savings?
Once you have a healthy savings account you can begin thinking about investments.
Investment Calculator: An Investment Calculator can be used to calculate a specific parameter for an investment plan.
529 Plan: A tax-advantaged education savings account
COMMITMENTTOSAVECONTRACT
I__________promisetopay________amonthtokeepoutofdebtandbe preparedwhenemergenciesarise.
I___________promisetomakesavingmoneyeachmonthaprioritysothat IamabletousemymoneyforGod'sglory.
Lesson 4: Saving Your Money
Part I
We are learning that to be happy we don’t need things. We have to trust that God will provide us with what we need like he provided mana to the Israelites. We don’t have to live like we have to buy it today because we might not be able to tomorrow. Trust God will provide. There will always be something to buy, but we have to be intentional about saving.
But the fruit of the Spirit is love, joy, peace, patience, kindness, goodness, faithfulness, gentleness, self-control; against such things there is no law. (Galatians 5:22-23) 22 23
When you invest YOU are the equivalent of the lender because it is working for you and you aren’t having to do anything. This is where real wealth is made.
Lesson Wrap-Up
Reflection 1.
How can saving money help you honor God and make wise choices for the future?
What are some ways you can start saving now, even with a small amount of money?
Lesson 4: Saving Your Money
Part I
Why is it important to have a plan for your money instead of just spending it right away?
Prayer 2.
Dear God, Thank You for teaching us how to be wise with the money You’ve given us. Help us to remember that saving is a way we can honor You and prepare for the future. Give us the selfcontrol to save, the generosity to give, and the wisdom to spend in a way that reflects Your love Thank You for always guiding us and providing for us Amen
Home Connection
As you go through your week take time each day to connect with God asking Him to help you on your saving journey. Ask God to show you what you need to surrender and how you can be obedient to His will and not your own.
It would also be helpful to research some ways to be an intentional saver. We will share next week.
Saving Your Money Part II
Objectives:
Students will demonstrate an understanding of creating a budget
Students will demonstrate an understanding of a rainy day savings account/emergency fund by creating this emergency fund.
Students will demonstrate the need for a rainy day fund.
Lesson 5: Saving Your Money
Part II
Memory Verse
But Jesus looked at them and said, “With man this is impossible, but with God all things are possible.” (Matthew 19:26)
Vocabulary
Delayed Gratification
Emergency
The ability to resist temptation of an immediate reward in favor for a longer lasting reward
A serious, unexpected, and often dangerous situation requiring immediate action.
Emergency Fund
Money saved for later in case of an unexpected expenses or financial emergency
Growth Mindset
A mindset that sees opportunities for growth and to learn
Fixed Mindset
A mindset that is stuck, is afraid to fail and avoids problems
Lesson 5: Saving Your Money
Part II
Prayer
Dear God, Thank You for always taking care of us and giving us what we need Today, help us learn how to be prepared for the unexpected by saving for a rainy day Teach us how to make a good budget and build an emergency fund so we can be wise with our money Help us to trust You and use what You’ve given us in ways that honor You Amen.
Memory Verse
But Jesus looked at them and said, “With man this is impossible, but with God all things are possible” (Matthew 19:26)
1. Connect
Welcome
Have there been areas you realized you spent money in places you didn’t need to, but wanted to?
Were there places you realized you shouldn’t have spent?
Lesson 5: Saving Your Money
Part II
If you did not spend your own money, was there something that you asked a parent/guardian to purchase that you really did not need, but wanted?
Discuss
Money Mindset 1.
How can you apply a growth mindset to saving?
Emergency Funds 2.
Save for an emergency fund, and do not touch it unless you have prayed about it to determine if it is really an emergency.
What constitutes an emergency in your daily life, when it comes to saving?
Lesson 5: Saving Your Money
Part II
An emergency fund is planning for uncertainty It is insurance or “just in case money” You would rather have it and not need it than to need it and not have it.
Establish your emergency fund first. You realistically want or need $1000 in your emergency fund. And, you should really have enough in your emergency fund for three to six months
What are some things you would rather have and not need than need it and not have it?
Emergencies are unexpected. You don’t have a year to save for your emergency fund You have to be radical to get there You have to change your behavior You can’t keep doing what you have been doing.
Other than saving your money each paycheck, how can you make money to fund your emergency fund?
Lesson 5: Saving Your Money
Part II
Put your emergency fund in an account that is NOT attached to your checking account or easily accessible to you. It should not be easy to withdraw money from.
It is hard to save this and not touch it now, but it is beneficial to you in the long run. We live in a society of instant gratification, an ‘Amazon’ society. We want it and it is here the next day and sometimes even by the end of the day We need to delay gratification, which is the point of a rainy day fund! Delay your gratification today so that you will be taken care of later.
How does delaying gratification follow God’s will for our lives?
Review the following quote from Jen Wilkin
“One of the most common frustrations I hear is that, despite daily quiet times, Christians feel God is distant. And judging from the pervasiveness of Bible illiteracy in the church, our daily quiet times may not be yielding the formative effect we hope. When we think of quiet time as transactional, we treat Scripture as a debit account that offers us meaning or feeling on our timetable Each day we insert our debit cards and withdraw 15 minutes of inspiration. Instead, we should take a savings account perspective, where we make faithful deposits, investing ourselves over days and weeks and years without expecting immediate emotional or intellectual yield. If we stick to a debit account
Lesson 5: Saving Your Money
Part II
approach, we will studiously avoid the parts of Scripture that take longer to understand, or we will misinterpret them to meet our wrong expectation that they serve our timetable We will gravitate toward devotional reading over straightforward Biblereading. By contrast, a savings account mentality understands how to wait. It is steadfast and patient. It knows faithful daily deposits will absolutely yield fruit—in season. At just the right time If you have ever walked through the valley of trial, you know what it is like to find years of faithful deposits bearing dividends. A patient, long-term approach is key. The Book of Ezekiel may not fix your day, but it may just sustain you in a lengthy trial if you give it your quiet times. The formational profit of spending time in the Word is more likely to emerge over 15 years than 15 minutes Time in the Word is meant to be not merely informational or inspirational, but relational It trains us to listen to the voice of God in his Word, and it teaches us who he is. It is God inviting us into conversation for the purpose of relationship.” (Don’t Expect Instant Gratification from Your ‘Quiet Time,’ n.d.)
What do you want to save money for in an emergency?
We have talked about how to save our money through budgeting and ‘paying ourselves’ in our budgets. The reason we are saving is for emergencies or a rainy day.
Lesson 5: Saving Your Money
Part II
What constitutes an emergency in your daily life, when it comes to saving?
Lesson Wrap-Up
Reflection 1.
Why is it important to have a rainy day or emergency fund? –––––––––––––––––––––––––––––––––
How can creating a budget help you plan for unexpected expenses?
What are some emergencies or surprises that you might need to save for in the future?
Lesson 5: Saving Your Money
Part II
Prayer 2.
Dear God, Thank You for teaching us the importance of being prepared Help us to remember that saving for a rainy day is one way we can be wise and honor You with what we have Give us the discipline to budget, the wisdom to plan ahead, and the faith to trust You in every situation. Thank You for always providing for us and being with us through every storm. Amen.
Home Connection
Even though we don’t want to ever have an emergency, it’s important to be prepared in case one happens. Ask God to help you as you set money aside to plan for your future.
Hold yourself accountable and ask close loved ones to help you save! Even starting small is helpful for you in the long run.
Stewardship:
Taking good care of what God has given us
Objectives:
Students will be able to demonstrate how to be good stewards of what God has given them
Students will be able to demonstrate using the resources God has given them wisely and obediently.
Lesson 6: Stewardship
Part I
Memory Verse
But Jesus looked at them and said, “With man this is impossible, but with God all things are possible.” (Matthew 19:26)
Vocabulary
Stewardship The careful and responsible management of something entrusted to one's care
Steward An “overseer” or “manager” over someone else's matters.
Lesson 6: Stewardship
Part I
Prayer
Dear God, Thank You for all the blessings You’ve given us—our time, talents, money, and possessions Today, help us learn what it means to be good stewards and to take care of everything You’ve trusted us with Teach us to use our resources wisely and obey You in how we manage them We want to honor You with our choices and be faithful with all that You’ve given. Amen.
Memory Verse
But Jesus looked at them and said, “With man this is impossible, but with God all things are possible” (Matthew 19:26)
1. Connect
Welcome
How have you implemented strategies and where have you struggled?
It is ok to struggle, but surrender it and ask God and the people around you for help. It is important to share wins AND struggles. Progress over perfection!
Lesson 6: Stewardship
Part I
Discuss
Mix-Pair-Share 1.
“How we view money is indicative of where we’ve placed our faith and trust. If you want to grow in your faith, wrestle with stewardship.” - Brandon Fremont
What do you think stewardship means?
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What do you think this quote means?
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How does it apply to you?
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Lesson 6: Stewardship
Part I
WhatisStewardship
Define stewardship in your own words.
How can you be a good steward?
List things in your life that you are called to steward well.
Lesson 6: Stewardship
Part I
Quiet Ball Game 2.
How did you rely on each others to keep the ball in the air and moving?
Are there things you are responsible for stewarding that require you to rely partially on someone else?
How do you ensure you are doing your part in stewardship when others are involved?
Lesson 6: Stewardship
Part I
Lesson Wrap-Up
Reflection 1.
What does it mean to be a good steward of the things God has given you?
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How can you use your time, money, or talents in a way that honors God?
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Why is it important to manage God’s gifts wisely and obediently, even in small things?
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Lesson 6: Stewardship
Part I
Prayer 2.
Dear God, Thank You for all the gifts You’ve given us our time, money, talents, and more. Help us to be wise and obedient with everything You’ve trusted us to manage. Show us how to use what we have to serve others and bring glory to You May we always be faithful stewards, honoring You in all that we do Amen.
Home Connection
Think of one thing God has called you to steward well. Ask God to help you steward it well this week Ask him to tug at your heart when you choose not to He is always faithful
Stewardship:
Helping Others & Giving
Objectives:
Students will demonstrate how to give what they have to help others
Lesson 7: Stewardship
Part II
Memory Verse
But Jesus looked at them and said, “With man this is impossible, but with God all things are possible.” (Matthew 19:26)
Vocabulary
Stewardship The careful and responsible management of something entrusted to one's care
Steward An “overseer” or “manager” over someone else's matters.
Lesson 7: Stewardship
Part II
Prayer
Dear God, Thank You for being generous and for giving us everything we need Today, help us learn how to use what we have—our time, money, and talents to help others Teach us to give with kind and joyful hearts, just like You do Show us how our giving can make a difference and bring glory to Your name
Memory Verse
But Jesus looked at them and said, “With man this is impossible, but with God all things are possible.” (Matthew 19:26)
1. Connect
Welcome
Share where you felt you were a good steward of what God has given you this week and share areas you felt you could have done better.
Remember this is progress over perfection. The idea is that they are learning something new and learning how to apply it to their lives as believers.
Lesson 7: Stewardship
Part II
Scripture Connection
Open today’s lesson with the The Widow of Zarephath:
Then the word of the Lord came to him, “Arise, go to Zarephath, which belongs to Sidon, and dwell there. Behold, I have commanded a widow there to feed you” So he arose and went to Zarephath. And when he came to the gate of the city, behold, a widow was there gathering sticks And he called to her and said, “Bring me a little water in a vessel, that I may drink” And as she was going to bring it, he called to her and said, “Bring me a morsel of bread in your hand” And she said, “As the Lord your God lives, I have nothing baked, only a handful of flour in a jar and a little oil in a jug. And now I am gathering a couple of sticks that I may go in and prepare for myself and my son, that we may eat it and die.” And Elijah said to her, “Do not fear; go and do as you have said. But first make me a little cake of it and bring it to me, and afterward make something for yourself and your son. For thus says the Lord, the God of Israel, ‘The jar of flour shall not be spent, and the jug of oil shall not be empty, until the day that the Lord sends rain upon the earth.’” And she went and did as Elijah said. And she and he and her household ate for many days. The jar of flour was not spent, neither did the jug of oil become empty, according to the word of the Lord that he spoke by Elijah (1 Kings 17: 8-16)
The widow was faithful and gave to Elijah when she had nothing. Her faithfulness and willingness to help Elijah was a beautiful picture of stewardship. Ultimately, stewardship is loving others more than you love yourself.
Lesson 7: Stewardship
1 KINGS 17: 8-16
Scripture Connection
WHAT WERE YOUR FIRST THOUGHTS AS YOU READ THIS PASSAGE?
HOW WAS THE WOMAN A GOOD STEWARD?
HOW DID THE WOMAN SHOW ABIDING FAITH WHEN SHE HAD NOTHING?
Lesson 7: Stewardship
Part II
Discuss
Giving 1. Remember the Fruits of the Spirit
22 23
But the fruit of the Spirit is love, joy, peace, patience, kindness, goodness, faithfulness, gentleness and self-control. Against such things there is no law. (Galatians 5:22-23)
Which of these did the widow exhibit?
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What do you think you would have done in the situation? ––––––––––––––––––––––––––––––––
What is something you could do that would be similar today?
Lesson 7: Stewardship
Part II
Lesson Wrap-Up
Reflection 1.
Why is it important to give and help others with what you have?
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What are some ways you can be generous, even if you don’t have a lot of money?
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How does giving to others help you grow in your relationship with God?
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Lesson 7: Stewardship
Part II
Prayer 2.
Dear God, Thank You for reminding us that everything we have comes from You. Help us to be generous and willing to share with others, no matter how big or small the gift. Show us how to use our time, money, and talents to make a difference and bring Your love to those around us. Thank You for giving to us so we can give to others Amen
Home Connection
During the week find opportunities where you could give instead of taking. How did it make you feel when you gave instead of received?
8
8
Stewardship:
Tithing
Objectives:
Students will demonstrate how to tithe 10% of their wages
Students will be able to explain why God calls us to tithe our money to the church.
Lesson 8: Stewardship
Part III
Memory Verse
But Jesus looked at them and said, “With man this is impossible, but with God all things are possible.” (Matthew 19:26)
Vocabulary
Stewardship The careful and responsible management of something entrusted to one's care
Steward
An “overseer” or “manager” over someone else's matters.
Tithe
Obedience
A tenth part of something paid as a voluntary contribution or as a tax especially for the support of a religious establishment
An act or instance of obeying
Lesson 8: Stewardship
Part III
Prayer
Dear God, Thank You for providing everything we need Today, help us understand why tithing is important and how we can give back to You by giving to the church Teach us to be cheerful and faithful givers, and to trust You with the money You’ve given us Help us to honor You with our giving and remember that everything we have belongs to You. Amen.
Memory Verse
But Jesus looked at them and said, “With man this is impossible, but with God all things are possible” (Matthew 19:26)
1. Connect
Welcome
How have you tried to incorporate stewardship into your daily lives?
Lesson 8: Stewardship
Part III
Discuss
Financial Stewardship 1.
Read the following quote:
“Faithfulness in stewardship is not so much about where we are financially, but more about being obedient with God’s resources in that situation.” (Wheeler, 2022)
What comes to mind when you hear this quote?
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Tithing to the church is more about trusting God with your money than anything else.
Think about a time they were fearful of doing something because you didn’t know how it would turn out.
Lesson 8: Stewardship
Part III
Where is your treasure?
Read the quote and Bible verse to answer the following questions:
Read and respond:
"The possession of money in this world is a test run for eternity Can you pass the test of faithfulness with your money? Do you use it as a means of proving the worth of God and the joy you have in supporting his cause? Or does the way you use it prove that what you really enjoy is things, not God? - John Piper
"For where your treasure is, there will your heart be also. Luke 12:34
What do you consider to be your treasure:
What did you think of as you read through the quote and Bible verse?
Write down a prayer (pray through your pen) asking God change your heart from enjoying things to enjoying and delighting in Him.
Lesson 8: Stewardship
Part III
Scripture Connection
Honor the Lord with your wealth and with the firstfruits of all your produce 10 then your barns will be filled with plenty, and your vats will be bursting with wine. (Proverbs 3:9-10)
Tithing helps the local church and the global church spread the Good News of Jesus Christ.
As soon as the order went out, the Israelites generously gave the firstfruits of their grain, new wine, olive oil and honey and all that the fields produced. They brought a great amount, a tithe of everything (2 Chronicles 31:5)
Jesus sat down opposite the place where the offerings were put and watched the crowd putting their money into the temple treasury. Many rich people threw in large amounts. But a poor widow came and put in two very small copper coins, worth only a few cents Calling his disciples to him, Jesus said, “Truly I tell you, this poor widow has put more into the treasury than all the others. They all gave out of their wealth; but she, out of her poverty, put in everything all she had to live on.” (Mark 12:41-44)
Will man rob God? Yet you are robbing me. But you say, ‘How have we robbed you?’ In your tithes and contributions You are cursed with a curse, for you are robbing me, the whole nation of you. Bring the full tithe into the storehouse, that there may be food in my house. And thereby put me to the test, says the Lord of hosts, if I will not open the windows of heaven for you and pour down for you a blessing until there is no more need. I will rebuke the devourer[a] for you, so that it will not destroy the fruits of your
Lesson 8: Stewardship
Part III
soil, and your vine in the field shall not fail to bear, says the Lord of hosts Then all nations will call you blessed, for you will be a land of delight, says the Lord of hosts (Malachi 3:8-12)
We know God calls us to tithe because the Bible tells us this. The Bible is God’s word. And God’s word is true. We have talked about where our treasures are where our hearts are because our money is all given to us by God. Let us give back to Him what he asks us.
Lesson Wrap-Up
Reflection 1.
Why do you think God asks us to give 10% of what we earn back to Him?
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How does tithing show our trust in God and our thankfulness for what He’s given us?
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Lesson 8: Stewardship
Part III
What can happen in your heart and in your community when you give faithfully to your church?
Prayer 2.
Dear God, Thank You for teaching us about tithing and why it’s important to give back to You. Help us to always be thankful for what we have and to give with joyful and generous hearts. Teach us to trust You with our money and to remember that giving to the church helps share Your love with others Thank You for providing for us and for helping us honor You in all we do Amen
Home Connection
As you go through this week ask God to show you areas that hold your treasure over God When you realize what it is, go to God and thank Him for showing you and ask for the Holy Spirit to change your heart Ask God this each day and see how he changes your heart
LESSON 9 LESSON 9
Banking, Credit Cards, Debit Cards, and Loans
Objectives:
Students will be able to identify different types of banks, learn the difference between credit and debit cards, and how loans work
Lesson 9: Banking, Credit Cards, Debit Cards & Loans
Memory Verse
But Jesus looked at them and said, “With man this is impossible, but with God all things are possible.” (Matthew 19:26)
Vocabulary
Credit Card A card authorizing purchases on credit.
Credit The provision of money, goods, or services with the expectation of future payment.
Debit Card
A card like a credit card by which money may be withdrawn or the cost of purchases paid directly from the holder's bank account without the payment of interest to the Financial Institution or Bank: a company that deals with money (as a bank, savings and loan, credit union, etc.)
Loan Money lent at interest.
Mortgage
An agreement between you and a lender that gives the lender the right to take your property if you fail to repay the money you've borrowed plus interest.
Lesson 9: Banking, Credit Cards, Debit Cards & Loans
Prayer
Dear God, Thank You for giving us the opportunity to learn how to be wise with money Today, help us understand how banks work, the difference between credit and debit cards, and how loans should be used carefully Give us wisdom to make good choices with the resources You’ve given us, and guide us to use them in ways that honor You. Amen.
Memory Verse
But Jesus looked at them and said, “With man this is impossible, but with God all things are possible” (Matthew 19:26)
Connect
Where do you keep your money?
Which type of Bank would you keep your money in?
Lesson 9: Banking, Credit Cards, Debit
Cards & Loans
Did you know there are different types of banks?
Discuss
Do you know some differences between the types of banks?
Lesson 9: Banking, Credit Cards, Debit Cards & Loans
Pros & Cons of Credit Unions
Pros Cons
Offer banking services, loan services and savings
Credit unions usually have a better idea of the local economy and understand consumer habits of consumer and business owner habits. They know their community members and what they are coming in for
Provide youth savings accounts which offer paying interest back to you at a better rate than another financial institution.
Can keep a minimal amount of $5 in savings and checking accounts without penalties.
Most employees live and work in the communities they live in They know their community.
Members of the credit union are considered owners and have a vote in who runs the bank
Limited to their geographic area. They are not throughout the state or the United States. If traveling you could pay a fee to get money out of an ATM.
Products they offer their customers are less than the products offered by a national big bank.
They don’t have a big presence in larger communities. They are in nonmetropolitan areas
Lesson 9: Banking, Credit Cards, Debit Cards & Loans
Pros Cons
Similar to a credit union in that the people that work in these banks live in the same communities they are working at.
Have a good idea of what the community needs.
They are more hands-on through business transactions walking you through next steps in face to face meeting and telephone calls. Rather than automated banking.
If you have a problem you can actually speak to the person who helped you open your account. They work on personal relationships with their customers.
Fewer products than a national bank
Apps are not going to be as robust as a national bank.
They are not throughout the state you live in or throughout the United States.
If you are traveling out of state or out of town you will be charged a banking fee to get your money out of an ATM that is not associated with the community bank.
You will find a branch in your town and know the people you are banking with.
Receive full services from a bank that you would need
Lesson 9: Banking, Credit Cards, Debit Cards & Loans
2.
Plastic: Credit v. Debit
Do you know the difference between a credit card and a debit card?
Credit Card Chaos 3.
The rich rule over the poor, and the borrower is the slave of the lender. (Proverbs 22:7)
Do you think credit cards are good or bad? Why or why not?
So what is a credit card?
A credit card is a line of credit, or amount indicated by the bank, that they are willing to loan you for purchases. Some credit cards have annual fees that are charged. Buying on credit means that you buy something without having the money and promise to pay for it over time.
Banking, Credit Cards, Debit Cards & Loans
Sounds like a great idea, right?!
You will never just pay the purchase price. You will also pay something called interest. You pay interest unless you pay it off as soon as you get the bill. If you can do that, why not just pay up front with cash?
You should never have a credit card. If you can’t pay cash for it then you do not need it.
If you have a sufficient amount in your emergency fund and continue adding to it, you should be able to pay for your life.
Credit cards are so tempting and their companies tempt you constantly. When you go to college or turn 18, credit card companies will specifically target you. They will tell you that you need the credit card to improve your credit score. You will feel like you have hit the jackpot because you can buy something even if you don’t have the money for it. Enticing, right?
Lesson 9: Banking, Credit Cards, Debit Cards & Loans
Debit Cards 4.
Is a credit card the same as a debit card?
A debit card, in most cases, looks just like a credit card. It will have the Visa or MasterCard logo on it, but this card is issued by your bank and is attached to your checking account.
Purchases made on your debit card come directly out of your bank account. In most cases, if you don’t have the funds available in your checking account to cover the purchase, your card will be declined at the time of the sale and you will not be allowed you to finish the transaction or make your purchase.
Lesson 9: Banking, Credit Cards,
Debit Cards & Loans
Some banks though do offer overdraft protection or a funds transfer from a savings account. The transfer from your savings will incur a small fee, but you are still spending the money that you have.
Overdraft protection is a line of credit offered by the bank, and will cover that transaction with a fee In order to keep using your checking/debit account you then need to bring the balance back to a positive amount.
Quick Facts: Credit Card vs Debit Card
Credit Card Debit Card
Buy now, pay later
Interest on balances carried after bill’s due date
Fees: annual, late payment, foreign transaction, balance transfer, cash advance
Buy now, pay now
No interest charges
Fees: monthly, overdraft, ATM, foreign transaction
Can build credit Can’t build credit
Limited liability for fraud Can have full liability for fraud
Lesson 9: Banking, Credit Cards, Debit Cards & Loans
Loans4.
A good name is more desirable than great riches; to be esteemed is better than silver or gold. Rich and poor have this in common:
1 2 The Lord is the Maker of them all. The prudent see danger and take refuge, but the simple keep going and pay the penalty Humility is the fear of the Lord; its wages are riches and honor and life In the paths of the wicked are snares and pitfalls, but those who would preserve their life stay far from them. Start children off on the way they should go, and even when they are old they will not turn from it. The rich rule over the poor, and the borrower is slave to the lender Whoever sows injustice reaps calamity, and the rod they wield in fury will be broken The generous will themselves be blessed, for they share their food with the poor. Drive out the mocker, and out goes strife; quarrels and insults are ended. One who loves a pure heart and who speaks with grace will have the king for a friend. The eyes of the Lord keep watch over knowledge, but he frustrates the words of the unfaithful The sluggard says, “There’s a lion outside! I’ll be killed in the public square!” The mouth of an adulterous woman is a deep pit; a man who is under the Lord’s wrath falls into it. Folly is bound up in the heart of a child, but the rod of discipline will drive it far away. One who oppresses the poor to increase his wealth and one who gives gifts to the rich—both come to poverty (Proverbs 22:1-16)
Bad debt is considered debt that depreciates over time or decreases. Bad debt would be a credit card or car payment. What you bought today and put on your credit card is not worth tomorrow what you paid today. When you purchase a car with a loan, the car depreciates in value over time. Due to the loan you took out, when you add the interest back in you paid more than the car was originally worth.
Lesson 9: Banking, Credit Cards, Debit Cards & Loans
Mortgages 5.
All debt is not bad. Most people will have a mortgage which is considered debt. However, you are building wealth. You will have something to show for your monthly mortgage payment. Good debt is associated with those things that increase in value over time. Historically, real estate has appreciated or increased in value over time. Which considers it “good debt.”
Mortgages are typically paid over 30 years. Whatever mortgage you take out you are committed to that for 30 years. That is a long time.
Lesson 9: Banking, Credit Cards, Debit
Cards & Loans
TYPE OF HOUSE: _______ BEDROOMS | ________ BATHROOMS
TYPE OF HOUSE: BEDROOMS | BATHROOMS
Now think of our first lesson on needs and wants. Do we NEED a big house with a big mortgage or do we WANT one. The truth is we can live in a smaller, more affordable house and be happy and content. This is an example of finding joy and peace in the Lord not in a big house. That house will not give you lasting joy. Your joy comes from the Lord.
Lesson 9: Banking, Credit Cards, Debit
Cards & Loans
Lesson Wrap-Up
Reflection 1.
What is the difference between a credit card and a debit card?
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Why is it important to understand how loans work before borrowing money?
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How can knowing about banks, cards, and loans help you make wise choices with your money? –––––––––––––––––––––––––––––––––
Lesson 9: Banking, Credit Cards, Debit Cards & Loans
Prayer 2.
Dear God, Thank You for teaching us how to be wise with the money and resources You’ve given us Help us remember what we learned about banks, cards, and loans so we can make smart choices in the future. Guide us to use our money in ways that honor You and keep us from making decisions that could harm us. Thank You for always providing for our needs and giving us wisdom when we ask Amen
Home Connection
You can revisit the websites www.mortgagecalculator.org and credit.org to explore!
Websites/Calculators
Credit Card Calculator
https://www.calculator.net/credit-card-calculator.html
Credit Card Payoff Calculator
https://credit.org/calculators/credit-card-pay-off-calculator
Auto Loan Calculator
https://www.calculator.net/auto-loan-calculator.html
Car Depreciation Calculator
https://caredge.com/depreciation
Mortgage Calculator
https://www.mortgagecalculator.org/
Choosing to Do the Right Thing When You Don’t Want To
Objectives:
Students will demonstrate how not to be tempted to buy unnecessary wants and learn to trust the Lord to lead them on the right path
Lesson 10: Choosing to Do the Right Thing When
You Don’t Want To
Memory Verse
But Jesus looked at them and said, “With man this is impossible, but with God all things are possible.” (Matthew 19:26)
Vocabulary
Integrity
Doing the right thing, even when no one is watching by being honest and making good choices.
Lesson 10: Choosing to Do the Right Thing
When You Don’t Want To
Prayer
Dear God, Thank You for being our guide and showing us the right path to follow Today, help us learn how to make wise choices with our money and not be tempted to spend it on things we don’t really need Teach us to trust You to lead us in the right direction, even when it’s hard Give us the strength to do what honors You in every decision we make. Amen.
Memory Verse
But Jesus looked at them and said, “With man this is impossible, but with God all things are possible” (Matthew 19:26)
1. Connect
Welcome
How have you practiced good stewardship this week?
Lesson 10: Choosing to Do the Right Thing When
You Don’t Want To
Discuss
True Riches 1.
“Inviting Christ into our financial journeys makes all the difference in the world. A person on this path, even if poor, is truly rich within. It’s a path that completely changes our attitudes and behaviors, molding our hearts into ones filled with the joy, peace and fulfillment we’re all looking for” (True Riches: What Jesus Really Said About Money and Your Heart)
“We move from Pride to Gratitude And therefore, we See Everything As a Gift. We move from Coveting to Contentment And therefore, we Spend Modestly We move from Anxiety to Trust And therefore, we Save Modestly. We move from Indifference to Love And therefore, we Give Extravagantly.”
(True Riches: What Jesus Really Said About Money and Your Heart)
What Would You Do?
What
Lesson 10: Choosing to Do the Right Thing
When You Don’t Want To
Watch 2.
Think about the Needs v. Wants Video.
Create a list of needs and wants in your daily lives, outside of those listed in the video.
Goals 3.
Based on what we have learned so far, would you change any of your goals from Lesson 1?
What are two or more “wants” from your list that could be cut and added to your Cut It Out list? ––––––––––––––––––––––––––––––––––
Lesson 10: Choosing to Do the Right Thing
When You Don’t Want To
Lesson Wrap-Up
Reflection 1.
What are some examples of “wants” that might tempt you to spend your money unwisely?
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How can trusting God help you make better choices with your money?
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Lesson 10: Choosing
to Do the
Right
Thing When You Don’t Want To
Amen Prayer 2.
Dear God, Thank You for teaching us how to make wise choices, even when it’s hard. Help us to trust You when we are tempted to spend on things we don’t really need. Give us the strength and wisdom to follow the right path and honor You with every decision we make. Thank You for always being with us and guiding us.
Home Connection
As students go about their week asking God for the strength to resist choosing to buy things when they know it is not the right thing. Have them track times when they felt tempted to buy something they wanted but knew they didn’t need and how God was faithful when they trusted him.
11
11
Joy Comes from the Lord Not Things
Objectives:
Students will discover the rewards of avoiding impulse spending and staying faithful in their financial choices
Students will learn how they can spread joy.
Lesson 11: Joy Comes from the Lord Not
Things
Memory Verse
But Jesus looked at them and said, “With man this is impossible, but with God all things are possible.” (Matthew 19:26)
Vocabulary
Joy
The emotion evoked by well-being, success, or good fortune or by the prospect of possessing what one desires
Bible Verses on Joy see Romans 15:13; Psalm 16:11; 1 Peter 1:8
Lesson 11: Joy Comes from the Lord
Not Things Prayer
Dear God, Thank You for showing us that true joy comes from You and not from the things we buy Today, help us see the happiness that comes from making wise choices and avoiding temptation. Teach us how to spread joy to others through kindness, generosity, and love Fill our hearts with joy that lasts and guide us to share it with the world Amen.
Memory Verse
But Jesus looked at them and said, “With man this is impossible, but with God all things are possible” (Matthew 19:26)
Connect
1.
Did you have a time this week when you wanted to do something, but knew it wasn’t right?
Lesson 11: Joy Comes from the Lord
Not Things
Display the Psalm 16 on chart paper or Smart Board:
Keep me safe, my God, for in you I take refuge. I say to the Lord, “You are my Lord; apart from you I have no good thing.” I say of the holy people who are in the land, “They are the noble ones in whom is all my delight” Those who run after other gods will suffer more and more. I will not pour out libations of blood to such gods or take up their names on my lips. Lord, you alone are my portion and my cup; 1 2 3 4 5 you make my lot secure. The boundary lines have fallen for me in pleasant places; surely I have a delightful inheritance I will praise the Lord, who counsels me; even at night my heart instructs me. I keep my eyes always on the Lord. With him at my right hand, I will not be shaken. Therefore my heart is glad and my tongue rejoices; 6 7 8 9 my body also will rest secure, because you will not abandon me to the realm of the dead, nor will you let your faithful[b] one see decay. You make known to me the path of life; you will fill me with joy in your presence, with eternal pleasures at your right hand. 10 11 (Psalm 16:1-11)
Dictionary definition of joy: Joy 1. Discuss Joy: the emotion evoked by well-being, success, or good fortune or by the prospect of possessing what one desires
Lesson 11: Joy Comes from the Lord
Not Things
Finding Joy
Lesson 11: Joy Comes from the Lord
Not Things
We have talked about using the money God has given us wisely because it is His gift to us. We have talked about all the ways we can use patience and self control to use our money for God’s glory not our own by budgeting and remembering what we need over what we want.
When we remember that money does not bring us true lasting joy then we begin to learn what it means when we say our joy comes from the Lord not money or things.
Saving is hard. Using our money wisely instead of things that the world tells us brings us joy we are saying yes to the Lord and his eternal, lasting joy deep in our hearts rather than things that never make us truly happy. They are only temporary.
Praying for True Joy 2.
Lesson 11: Joy Comes from the Lord
Not Things
Activity
Brainstorm a business that your group could form.
What need does the business fill?
Who can benefit from this business?
Lesson 11: Joy Comes from the Lord
Not Things
Answer the following questions:
Ask: What need does the business fill?
Ask: Who can benefit from this business?
Next week we will be developing our business, writing a business plan and budget for it.
Lesson Wrap-Up
Reflection 1.
What is one example of joy you’ve experienced that didn’t come from buying something?
How can avoiding temptation to buy unnecessary wants bring more joy into your life?
Lesson 11: Joy Comes from the Lord
Not Things
What are some ways you can spread God’s joy to others this week?
Prayer 2.
Dear God, Thank You for teaching us that real joy comes from You, not from the things we own. Help us to remember that avoiding temptation and making wise choices can bring lasting happiness Show us how to share Your joy with others through our words, actions, and giving hearts. Thank You for filling us with a joy that never fades. Amen.
Home Connection
This week look around you at the business that you go to How do they spread joy?
Show What You Know!
Objectives:
Students will be able to demonstrate from beginning to end how to manage their money based on their yearly earnings.
Students will demonstrate exactly how to separate needs from wants to create a budget that allows for an emergency fund.
Students will be able to demonstrate how to steward their money for God’s glory by showing how to trust God and not money for their future
Students will demonstrate self control and perseverance in their daily budget.
Lesson 12: Show What You Know!
Prayer
Dear God, Thank You for everything You have taught us about money, giving, saving, and spending wisely Today, as we put it all together, help us remember how to separate our needs from our wants, plan for emergencies, and trust You with our future Teach us to be good stewards who honor You with every dollar we manage Give us selfcontrol and perseverance so we can follow Your ways every day. We trust You, Lord, to guide us in all we do. Amen.
Memory Verse
But Jesus looked at them and said, “With man this is impossible, but with God all things are possible.” (Matthew 19:26)
Connect
Welcome 1.
What has been your favorite thing we have learned about over the past 12 weeks?
Lesson
Show What You Know!
Lesson 12: Show What You Know!
1. Activity
Building Your Business
Name your business and tell what service you will be providing
What things will you need to get your business going?
Based on the average, how much money will your business typically earn monthly?
Lesson 12: Show What You Know!
Monthly expenses for your business incur. (Google the average of the expenses for your business type.)
Monthly expenses for you personally (Use documents from previous lessons to make a real-life personal expense list for yourself.)
Based on the average, how much money will your business typically earn monthly?
Lesson 12: Show What You Know!
BUSINESS BUDGET
MONTHOF:
INCOME
CATEGORY SOURCE AMOUNT DATE
BILLS&FIXEDEXPENSES VARIABLEEXPENSES
SOURCE SOURCE DATE DATE AMOUNT AMOUNT
SUMMARY SOURCE
VARIABLEEXPENSES AMOUNT
INCOME BALANCE
BILLS&FIXEDEXPENSES
Lesson 12: Show What You Know!
Lesson Wrap-Up
Prayer 1.
Dear God, Thank You for all we have learned about managing money in a way that honors You Help us to remember to separate our needs from our wants, to save for emergencies, and to trust You for our future. Give us the self-control and perseverance to follow our budget each day. Thank You for always being with us and for teaching us to be good stewards of what You’ve given us.
Amen
Home Connection
Share what you know and have learned with your family and friends. Dream big! Remember that Jesus loves you endlessly and He is with you as you make money and use it for God’s glory!