The Money Rules:
Rule 1: Tithe
Some say that tithing is Old Testament, and we don't have to do it any longer. I'm not so sure that's true. Jesus said to the Pharisees, "Give to Caesar what is Caesar's and give to God what is God's." (Mark 12:17) This indicates that God still has some ownership in our finances. Jesus wasn't specific, so I'll let you decide what and how much that is, however, tithe is the Hebrew word for "tenth". My personal testimony has been that tithing has brought me tremendous blessing throughout my life. This is what Malachi says:
Malachi 3:6-12 says, "I the Lord do not change. So you, the descendants of Jacob, are not destroyed.7 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?' 8 "Will a mere mortal rob God? Yet you rob me.
"But you ask, 'How are we robbing you?'
"In tithes and offerings. 9 You are under a curse--your whole nation--because you are robbing me. 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 there will not be room enough to store it. 11 I will prevent pests from devouring your crops, and the vines in your fields will not drop their fruit before it is ripe," says the Lord Almighty. 12 "Then all the nations will call you blessed, for yours will be a delightful land," says the Lord Almighty. (NIV, emphasis added)
Rule 2: Where You Tithe Matters
Where you sow your tithe matters. Think of the tithe as the seed and the soil is where you sow your seed. Malachi 3:10 says to "Bring the whole tithe into the storehouse, that there may be food in MY house." I believe He is talking about spiritual food, here. Therefore, give your tithes and offerings to houses that offer good, pure, wholesome spiritual food. The kind of food that is life-giving and nurturing. When babies eat, they grow. When teenagers eat, they grow. When we eat good food, we thrive. Without it, we are unhealthy and sick. So, be careful WHERE you are sowing your seed. Is the food in that house healthy? Is the congregation thriving or are they sick? Are new converts coming to Christ or has the genealogy tree of that church become a straight line!?!
Like a good farmer, God wants a good harvest. He doesn't just throw His seed on any ground, hoping some of it will grow! No, God is a good steward of His possessions. Nothing in nature is wasted! He is going to prepare the soil properly for a good harvest. He is going to pull out all the weeds, hoe out the rocks and till the soil until its soft and cultivated, ready for the seed so it can produce a good harvest. Where you sow your seed matters. It may even be your part to cultivate the soil!
Rule 3: Give Your First Fruits
The very first murder in the Bible stems from Cain's jealousy of Abel. (Genesis 4) Abel was blessed by God because he gave God the tithe. He gladly, freely, gave his first fruits and God blessed Him. Cain was jealous of the blessing and killed Abel. Cain gave a tithe, but it wasn't his best and it wasn't his first fruits. If you want the blessings of God, don't adopt the spirit of Cain; give your first fruits generously, freely and without attachment or expectation. First fruit giving is essential in receiving the blessings of God. What does that look like today? Most of us aren't harvesting crops or herds, so first fruits giving is setting aside and giving your tithe first. Whatever method you use for giving, whether analog or digital, make sure that the tithe is of the highest priority. When you give your tithe, pray that it goes to build the Kingdom, that it is fruitful and ask God to bless it. God loves a cheerful giver. (2 Corinthians 9:7)
Rule 4: Save
I once saw a bumper sticker that said, "Jesus Saves; My Wife Spends!". That's a funny way to say that there is a biblical principle to putting some away for a rainy day. Proverbs 20:21 says, "The wise store up choice food and olive oil, but fools gulp theirs down." (NIV) Spending every penny we have is foolish. We must be wise, saving for rainy days and living for tomorrow, not just today.
Rule 5: Diligence
He who has a slack hand becomes poor, but the hand of the diligent makes rich. (Proverbs 10:4 NKJV) There are no get rich schemes with God. There is wisdom, hard work, and diligence. Zachariah 4:10 says, "Do not despise these small beginnings, for the LORD rejoices to see the work begin,". No matter where you are, begin and keep going. Your bank account might be humble today but keep it growing. When we give up, we lose. There is no room for laziness in the Kingdom of God. Proverbs 24:23-24 says, "A little sleep a little slumber, a little folding of the hands, and poverty will come on you like a thief and scarcity like an armed man." When God welcomes us into Heaven, we hope He says, "Well done, my good and faithful servant." There is no substitute for faithfulness. Faithfulness is a lifelong journey.
Diligence in our faith is also key to the blessing. As Christians, we live by a separate set of rules than the rest of the world. The world may be able to fudge a little here, take a little there, but we can't. As a child of God, we belong to Him. Hebrews 12:6 says, "because the Lord disciplines the one he loves, and he chastens everyone he accepts as his son." We can no longer live by the rules of the world and prosper. We have to honor God in our dealings. Proverbs 11:1 says, "The LORD detests dishonest scales, but accurate weights find favor with him." God wants your business dealings to be honorable and above board because you're His son and you represent His household.
Conversely, lack of diligence, or sin stops the flow of financial blessings. 2 Chronicles 26:5 says, "As long as he sought the Lord, God made him prosper." (NIV, emphasis added) However, sin removes us from the flow of blessing in our lives. Haggai 1:6 says, "You have sown much, and bring in little; You eat, but do not have enough; You drink, but you are not filled with drink; You clothe yourselves, but no one is warm; And he who earns wages, earns wages to put into a bag with holes." A healthy fear of the Lord is important when we seek out the favor and prosperity that God desires for us.
Psalm 1:1-5
Blessed is the man who does not walk in the counsel of the wicked, or set foot on the path of sinners, or sit in the seat of mockers. But his delight is in the Law of the LORD, and on His law he meditates day and night. He is like a tree planted by streams of water, yielding its fruit in season, whose leaf does not wither, and who prospers in all he does.