We cannot avoid the material part of life.•God-focused attitude.•Heed God’s warnings.

Solomon gives us perspective.•Material things are vanity, Ecc. 2:4-11•Serving God matters, Ecc. 12:13, 14

A man is to provide for himself and his family.•If not, infidel, 1 Tim. 5:8•If not, should not eat, 2 Thes. 3:10

Prepare for the future—as best you can.•Pay taxes, Rom. 13:6, 7•Set goals, Prov. 13:19; 19:21

»Job.»Salary.»Home.»Savings.

Prepare for the future—as best you can.•Work, then enjoy, Prov. 24:27•Winter is coming, Prov. 6:6-11; 10:4, 5, 15; 12:11; 20:4

»Car, house.»Insurance.»Children.»Health care.

Prepare for the future—as best you can.•Seek advice, Prov. 11:14; 13:18

»Parents.»Elders.»Others.

•Do not be rash, Prov. 28:20, 22

DiligenceRuleFilledProfitEase

SlothfulnessSlaveEmpty

PovertyThorns

Prov.12:24; 22:29

13:414:23; 21:5

15:19

Slothfulness•Lazy destroy, Prov. 18:9•Sleep & hunger, Prov. 19:15; 20:13•Excuses, Prov. 22:13•Subject to needs, Prov. 24:30-34

Be fair in your financial dealings.•Do not cheat, Prov. 11:1•Do not lie, Prov. 13:11; 21:6•Do not steal, Prov. 20:17; Eph. 4:28

Give to others.•God, 1 Cor. 16:1, 2; Phil. 4:15-17•Poor, Prov. 19:17; 28:27•Parents, Prov. 19:26; Eph. 6:2; 1 Tim. 5:16

Give to others.•Children, Prov. 13:22•Preacher, brethren, Gal. 6:6-10•Reap what you sow, Prov. 11:24-26

A wife and mother can work.•Worthy woman, Prov. 31:10-31•Fulfill other duties, Titus 2:4, 5; 1 Tim. 5:14

Couples need to make a budget—together.•Figure spending history.•Set priorities.

»Contribution.»Food, clothes, shelter, car.»Debt.»Savings.

Couples need to make a budget—together.•Get away from credit cards (debt).

»Pay off.»Don’t use for daily living.»Use debit card, check, cash.

Couples need to make a budget—together.•Anticipate emergencies.

»Home repair.»Car repair.»Medical.»Birth of children.

Who spends more?•Woman.

»Clothes.»Makeup.»Hairdo.»Knick, knacks.

•Man.»Sports.»Cars.»Entertainment.»Clothes.

Recommended readings.•Dave Ramsey.

»My Total Money Makeover.»Financial Peace Revisited.

•H. Norman Wright.»Before You Say I Do.»After You Say I Do.

We cannot avoid the material part of life.•God-focused attitude.•Heed God’s warnings.

Solomon gives us perspective.•Material things are vanity, Ecc. 2:4-11•Serving God matters, Ecc. 12:13, 14