Biblical Principles

What makes a Christian Financial adviser different to their non Christian counterpart?

In essence a Christian adviser recognises that ‘the earth is the Lord's and everything in it’ and thus that everything we 'own' is, in effect, God's. We merely hold money and possessions on trust for Him. Christian advisers are not automatically more qualified, more ethical or "better" than their non Christian counterparts. But what they can claim is that they love God and try to put Him first in everything that they do. This makes them totally different to non-Christian advisers and this difference should add real value for the Christian client seeking to discern God's will for their finances.

ACFA encourages its members to use eight Biblical principles of financial management when working with Christian clients. These principles are:

• Ownership – God owns 100% of everything
• Integrity – Deal fairly with others
• Generosity – Give generously
• Planning – Plan ahead
• Budgeting – Spend less than you earn
• Borrowing and lending – Borrow cautiously and repay; lend freely
• Savings and investment – Establish a savings plan
• Provision for dependents – Make provision, don’t protect

Please feel free to download and distribute the following expanded versions of these principles as widely as you wish.

• Download Biblical Financial Planning Principles
  (for advisers) - PDF 151kb
• Download Biblical Financial Planning Principles
  (for consumers) - PDF 146kb
• Download Biblical Financial Planning Principles
  (for consumers - short version) - 395kb
• Download Biblical Financial Planning Principles
  (poster) - PDF 382kb

Glossy posters and booklets of the above Principles are available to members at a modest cost.  Please Email the ACFA Ambassador for more information.

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