Your Money Counts: The Biblical Guide to Earning, Spending, Saving, Investing, Giving, and Getting Out of Debt

Copyright © 1996 by Compass-Finances God’s Way. All rights reserved.

Revisions and new chapter © 2011 by Howard L. Dayton Jr. All rights reserved.

Some of this material previously appeared in Your Money: Frustration or Freedom? Published by Tyndale House Publishers, copyright © 1979 by Howard L. Dayton Jr.

Designed by Dean H. Renninger

Unless otherwise indicated, all Scripture quotations are taken from the New American Standard Bible,® copyright © 1960, 1962, 1963, 1968, 1971, 1972, 1973, 1975, 1977, 1995 by the Lockman Foundation. Used by permission.

Scripture quotations marked NIV are taken from the Holy Bible, New International Version,® NIV.® Copyright © 1973, 1978, 1984 by Biblica, Inc.™ Used by permission of Zondervan. All rights reserved worldwide. www.zondervan.com.

Scripture quotations marked TLB are taken from The Living Bible, copyright © 1971 by Tyndale House Foundation. Used by permission of Tyndale House Publishers, Inc., Carol Stream, Illinois 60188. All rights reserved.

Scripture quotations marked NKJV are taken from the New King James Version.® Copyright © 1982 by Thomas Nelson, Inc. Used by permission. All rights reserved. NKJV is a trademark of Thomas Nelson, Inc.

Scripture quotations marked KJV are taken from the Holy Bible, King James Version.

Scripture quotations marked AMP are taken from the Amplified Bible,® copyright © 1954, 1958, 1962, 1964, 1965, 1987 by the Lockman Foundation. Used by permission.

Library of Congress Catalog Card Number 95-83819

ISBN 978-1-4143-5949-6

To Bev, my wife,

God’s choice gift to our family

To Matthew, my beloved son,

and to Danielle, a joy

To Jim Seneff, without his vision

this book would never have been conceived

To Will Norton, without his skill

this book would never have been born

To Tim Manor, who is closer than a brother,

and George Fooshee, my mentor

To the Compass-Finances God’s Way family, precious co-laborers,

you mean more to me than I can ever say

Table of Contents

One: The Problem

Two: The Answer—The Bible Is a Blueprint for Living

Three: God’s Part—The Foundation

Four: Our Part—Good and Faithful

Five: Debt—Act Your Own Wage

Six: Getting Out of Debt—“D” Day

Seven: Counsel—A Triple-Braided Cord

Eight: Honesty—Absolutely

Nine: Giving—What Is Your Attitude?

Ten: Work—Who Is Your Real Boss?

Eleven: Investing—Steady Plodding

Twelve: The One Guaranteed Investment

Thirteen: Children—The ABC’s of Money

Fourteen: Budget—Keep Abreast of the Facts

Fifteen: Standard of Living—How Shall We Then Live?

Sixteen: Perspective—What’s Really Important

Seventeen: Crisis—The Storms of Life

Eighteen: Summing It All Up—Let’s Review

Questions and Answers

Notes

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About Your Money Counts: The Biblical Guide to Earning, Spending, Saving, Investing, Giving, and Getting Out of Debt

With the economy reeling in the wake of the recent recession, many people are experiencing such financial challenges as credit card debt, downsizing, dead-end jobs, and inadequate or depleted savings. With these challenges come others as well. Recent studies confirm that more than half of all divorces are the result of financial pressures at home. And spiritually, many people are struggling to maintain a biblical perspective amidst the constant tug of materialism. But there is hope. The Bible has a lot to say about money. In fact, the Bible is a veritable blueprint for managing your finances. In Your Money Counts, trusted financial expert Howard Dayton shows you how to manage your personal finances in a highly practical, biblically-based way.

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Table of Contents