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Adult  -Teacher's Manual

SUNDAY MARCH 19TH, 2023


TOPIC: FINANCIAL INTELLIGENCE


BIBLE PASSAGE:LUKE 19:12-26.

[12]He said therefore, A certain nobleman went into a far country to receive for himself a kingdom, and to return.

[13]And he called his ten servants, and delivered them ten pounds, and said unto them, Occupy till I come.

[14]But his citizens hated him, and sent a message after him, saying, We will not have this man to reign over us.

[15]And it came to pass, that when he was returned, having received the kingdom, then he commanded these servants to be called unto him, to whom he had given the money, that he might know how much every man had gained by trading.

[16]Then came the first, saying, Lord, thy pound hath gained ten pounds.

[17]And he said unto him, Well, thou good servant: because thou hast been faithful in a very little, have thou authority over ten cities.

[18]And the second came, saying, Lord, thy pound hath gained five pounds.

[19]And he said likewise to him, Be thou also over five cities.

[20]And another came, saying, Lord, behold, here is thy pound, which I have kept laid up in a napkin:

[21]For I feared thee, because thou art an austere man: thou takest up that thou layedst not down, and reapest that thou didst not sow.

[22]And he saith unto him, Out of thine own mouth will I judge thee, thou wicked servant. Thou knewest that I was an austere man, taking up that I laid not down, and reaping that I did not sow:

[23]Wherefore then gavest not thou my money into the bank, that at my coming I might have required mine own with usury?

[24]And he said unto them that stood by, Take from him the pound, and give it to him that hath ten pounds.

[25](And they said unto him, Lord, he hath ten pounds.)

[26]For I say unto you, That unto every one which hath shall be given; and from him that hath not, even that he hath shall be taken away from him.

 

MEMORY VERSE:   “The wisdom of the prudent is to understand his way: but the folly of fools is deceit.” Proverbs 14:8..

 

INTRODUCTION:  

Simply put, financial intelligence is to be financially wise. It is the knowledge and skills gained from understanding finance and accounting principles in the business world and how money is
being used (Prov. 18:15). To be highly successful, extra efforts, skills, intelligence and God’s leading will be needed. It is not only organizations and business owners that need
financial intelligence. It is also needed for
personal finance

TEXT REVIEW: Luke 19:12-26.
The teacher should answer the following
questions from the Bible passage.
i. Who were the wise servants? (Luke
19:16,18)-

ii.Who was the wicked servant? (Luke
19:20)- What did the wise servants do?
(Luke 19:16,18)-

iii. What did the wicked servant do? (Luke 19:20-22) How did the Lord commend the wise servants?

iv. Mention three things which the Lord did
to the wicked servant. Luke 19:22-26.

2. LESSON OUTLINES
LESSON OUTLINE 1: WHAT IS PERSONAL
FINANCE?
The teacher should test the students’
knowledge of what personal finance is.
The teacher should explain personal f-
nance under two major headings: financial
intelligence and net worth.
A. FINANCE INTELLIGENCE:
i. Personal finance is the term that covers
planning (Prov.21:5; 30:25).

ii. It involves managing personal financial activities such as revenue generation, expenditures, budgeting, savings, investments and other financial related actions (Matt.25:20).

iii. It is the ability to make smart decisions,
plan properly, especially in the aspect of fi-
nance and live a good life (Prov.10:4).

B. NET WORTH:
i. Your net worth and what you are able to
do with your money is considered a success
(Matt.25:22).

ii.lt is not necessarily so much cash at you
disposal

iii. A personal financial statement (Assets
minus Liabilities) shows the net worth of an
individual.

iv. For example:
a. If all assets in possession are sold and all
debts paid, and the liabilities are greater than
the assets, the financial statement indicates
a negative net worth.
b. lf the individual has more assets than liabilities, it is positive net worth.

OUTLINES:

1.WHAT IS PERSONAL
FINANCE?

2. HOW TO BE
FINANCIALLY INTELLIGENT

1. WHAT IS PERSONAL
FINANCE?

The teacher should test the students’
knowledge of what personal finance is.
The teacher should explain personal f-
nance under two major headings: financial
intelligence and net worth.
A. FINANCE INTELLIGENCE:
i. Personal finance is the term that covers
planning (Prov.21:5; 30:25).

ii. It involves managing personal financial activities such as revenue generation, expenditures, budgeting, savings, investments and other financial related actions (Matt.25:20).

iii. It is the ability to make smart decisions,
plan properly, especially in the aspect of fi-
nance and live a good life (Prov.10:4).

B. NET WORTH:
i. Your net worth and what you are able to
do with your money is considered a success
(Matt.25:22).

ii.lt is not necessarily so much cash at you
disposal

iii. A personal financial statement (Assets
minus Liabilities) shows the net worth of an
individual.

iv. For example:
a. If all assets in possession are sold and all
debts paid, and the liabilities are greater than
the assets, the financial statement indicates
a negative net worth.
b. lf the individual has more assets than liabilities, it is positive net worth.

 

CLASS ACTIVITY 1: Can you say so many
people in your locality are financially intelligent? If No/Yes: How and Why?

NOTE: You may NOT refer to specific names.

 

LESSON OUTLINE 2: HOW TO BE

FINANCIALLY INTELLIGENT
A.The tips below can assist to make a per-
son financially intelligent if properly mixed
and applied:
i. Develop a personal success-drive and be
intentional about the well-being of your fi-
nance. (1 Kgs.11:28).

ii.Seek knowledge and be informed (Prov.1:5): invest in yourself (Prov.19:20), read (2Tim.4:13), make research (Acts 17:11), ask questions and open your ear and eyes to the happenings around you.

iii. Practice what you learned about financial
intelligence and use the knowledge gained to
execute the purpose for which it was acquired. (Prov.6:6; 10:4).

iv. Keep track of your spending: identify
where you need to make amends and where
you need to intensify efforts. (Prov.16:21a).
v. Have proper and detailed records of your
income and expenditure. (2Chron.34:16-18).

vi. Surround yourself with the right people
who share the same opinion. (Prov.13:20; 27:17).

vii.Pray for divine wisdom and direction on
what and when to invest your resources.
(Jam.1:5; Isa.30:21).


CLASS ACTIVITY 1: Can you say so many
people in your locality are financially intelligent? If No/Yes: How and Why?

 

2.) HOW TO BE
FINANCIALLY INTELLIGENT

A.
i. Believers should not see all wealthy people as sinners or all poor people as righteous. (Luke 16:20-23; Psa. 73:3-12)

ii. Poor people could be saint or sinners.

iii. Wealthy people too could be saint or sinners.

 

B. The following guidelines could help believer to develop the right attitude to wealth.

i. It is not a sin for a believer to be wealthy and enjoy riches (Eccl. 5:19; 3John 2).

ii. Wealth should be seen as God’s benevolence investment entrusted to believers. (1Chronicles 29:12).

iii. Wealth should be seen as a veritable tool to advance kingdom projects on earth. For instance:

a. Wealthy believers could promote charities and scholarship programmes care for orphans, widows etc.

b. Wealthy believers could use their resources to minister to the need of God’s servants. (Luke 8:3; Rom. 16:3).

c. Wealthy believers should be faithful to God with their riches by supporting God’s work. (Matt. 6:19-20).

 

CLASS ACTIVITY 2: The teacher should ask students to comment on why they think each of the seven items identified above is necessary to make a person financially
intelligent?

SUMMARY: Some of the ways to fight
poverty to stand-still are through
good/successful personal finance and finan-
cial intelligence.

 

CONCLUSION: Financial intelligence is
needed in order to stay on top of your finacial game because hardly would you find a
financially intelligent person who is not
successful.

CLOSING PRAYER: State five (5) key factors
responsible for financial difficulties in some
Christian families. (2×5-10 Marks)

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