Understanding Financial Literacy as a Believer

The Kingdom that we are in, thrives on knowledge. As such, it is very deadly to be an ignorant Christian

The greatest enemy of the Christian today, obviously is not the devil, because the Lord Jesus Christ defeated him on our behalf. The greatest enemy of the Christian today is *IGNORANCE. This is why Satan has an advantage over the *ignorant believer*

Most of the things that many Christians accrue to the devil is actually the consequences of their ignorance. In 2 Corinthians 2:11 KJV, Apostle Paul writes saying, Lest Satan should get an advantage of us: for we are not ignorant of his devices.

And so, is doesn't matter that you're a Christian, if you're ignorant about anything in the Kingdom, it'll lead to your destruction.

And so, don't see financial issues as carnal and unscriptural

And so, Satan will gain advantage over your life though born again, filled with the Holy Spirit, tongue talking if you're ignorant.

It is very dangerous to be an ignorant Christian

Our victory in the Kingdom of God is predicted on the knowledge that we have. The Kingdom of God is kingdom dependent. It pays to be a knowledgeable Christian. You must be a Christian who embraces and loves knowledge.

The effect of lacking knowledge is obvious in scriptures:

*_My people are destroyed for lack of knowledge_*. *_Because you have rejected knowledge,_* I will also reject you as My priests. Since you have forgotten the law of your God, I will also forget your children.

Hosea 4:6 BSB

And so, you can be born again and still be destroyed because you lack knowledge of the mysteries of the Kingdom and the ways of God. 

If you lack knowledge of finances as a young lady, you'll go through a lot of challenges financially though you're born again. so, it is important that, as we're growing, we build ourselves holistically in every area of our lives.

The truth is that, you can become a Biblical literate and still be financially illiterate. The truth is that, most often, the Church does not teaches the economic and financial system of the Kingdom, and so, we have many anointed and gifted Christian ladies, yet suffering financially.

And so, it is important that, we begin to fetch knowledge in this area so that we'll live a very balanced life.

Now let's discuss Financial Literacy.

What is financial literacy for a Believer?

Financial literacy refers to the ability to understand and apply different financial skills effectively, including personal financial management, budgeting, and saving. Financial literacy makes individuals become self-sufficient, so that financial stability can be accomplished.

Financial Literacy means having the skills and knowledge to manage money effectively, so that you can best fulfill your goals

The problem with many young ladies is not that they don't make money, but they lack the skills needed in managing and multiplying the money.

What you need to learn about money is

  • You make money
  • You manage the money
  • You multiply money

And so, financial literacy equips you with the needed skills and knowledge needed to manage money effectively..

Ask yourself, how much have you spent this month?

Do you take records of it? 

Financial Literacy is having a basic understanding of money matters and its four fundamental pillars (debts, budgeting, saving and investing).

It's about understanding how to build wealth throughout one's life by leveraging on the pillars of financial literacy.

Financial Literacy is having a basic understanding of money matters and its four fundamental pillars (debts, budgeting, saving and investing).

It's about understanding how to build wealth throughout one's life by leveraging on the pillars of financial literacy.

Financial Literacy also equips us with the understanding of how to create wealth.

Wealth or money is not a gift of the Spirit. No! Wealth is built. In the course of the month, we'll be taught how to build wealth.

Most often, we laugh at the people we consider illiterate in the field of education.

It's amazing that, most of us are also illiterate when it comes to the issues of finances.

Shockingly, if I should ask what money is, we'll see the display of a lot of ignorance here.

That calls for concern. We need to be financially educated

Why Financial Literacy for Believers?

The Purpose of Financial Literacy for believers is to teach us the concepts of money and how to manage it wisely. With a proper understanding of the concepts of money, it becomes easy for a believer to know how money is made, where you can make money from and how to manage and multiply the money you make.

Truth is, you're not poor as a young lady, the only thing is that, you're financially illiterate. When you're educated financially, you'll walk out of poverty 😊

*What is the Purpose of Financial Literacy?*

Financial Literacy offers the opportunity to learn the basic skills related to personal financial management, savings, loan management, investment, insurance, planning for old age or retirement.

Now when you look at this purpose of Financial Literacy, you will see the pillars that financial Literacy stands on.

Pillars of Financial Literacy

There are four pillars of financial Literacy. These are:

1. Debt

Debt is money you spend that isn't yours.For instance, if you borrow money from the bank, use a credit card, a short term loan etc, you're accumulating debt. So, any money that you spend that is not your own money puts you in debts.

If you're a lady you must as much as possible avoid borrowing money to spend it on unnecessary things.


1. Good Debt: This is considered money borrowed for things that are absolutely necessary for making a life. For example, borrowing to further your education or to build a house.

Bad Debt: Is considered borrowing money to pay for things you don't need urgently such as expensive cloths, hi-techs, enjoying holidays etc. 

And so, anytime you're going to borrow money from others, know the kind of debt that you're getting into.

A bad debt or a good debt?

Don't borrow money to buy eye lashes, dresses etc. How will you pay for those debts? 🀷‍♂️

But as much as possible, you have to stay out of borrowing and debt. The Bible saysπŸ‘‡

Proverbs 22:7 KJV

The rich ruleth over the poor, *and the borrower is servant to the lender.*

Anytime you borrow money from people and you become their debtor, you become a slave to the person.

You see the way some people talk to you just because you keep borrowing from them?

As a young lady beginning to start life, as much as possible stay away from borrowing and debt

Also, make sure that, if you borrow money from people, you pay at the due time.. If you're owning MTN quick loan, make sure you go and pay. 

Look at what the Bible says about those who don't pay their debtπŸ‘‡

Psalm 37:21 KJV

The wicked borroweth, and payeth not again: but the righteous sheweth mercy, and giveth.

But incase the only option for you is to borrow.

Anytime you intend to borrow, what you're borrowing should help you to multiply the money you borrowed.

2 Kings 4:2-3 KJV

And Elisha said unto her, What shall I do for thee? tell me, what hast thou in the house? And she said, Thine handmaid hath not any thing in the house, save a pot of oil

 *[3] Then he said, Go, borrow thee vessels abroad of all thy neighbours, even empty vessels; borrow not a few.

The Prophet of God died in poverty and another Prophet wanted to help the wife to come out of the poverty.

The woman had a little oil in the house and the Prophet asked her to go and borrow vessels to help her multiply what she had

2 Kings 4:4-7 KJV

And when thou art come in, thou shalt shut the door upon thee and upon thy sons, and shalt pour out into all those vessels, and thou shalt set aside that which is full.

9[5] So she went from him, and shut the door upon her and upon her sons, who brought the vessels to her; and she poured out.

 *[6] And it came to pass, when the vessels were full, that she said unto her son, Bring me yet a vessel. And he said unto her, There is not a vessel more. And the oil stayed.*

 [7] Then she came and told the man of God. *And he said, Go, sell the oil, and pay thy debt, and live thou and thy children of the rest.*

The woman went to borrow vessels and she could multiply what she had to settle her debt and to live on the rest.

Don't borrow money to be in debt if you can't multiply that money, settle your debt and have the rest to your self.


2. Savings

3. Budgeting

4. Investing


Saving is an essential part of financial wellness, a secure present and a happy future.

It is the practice of putting aside some portion of your income for future use.

There are Many Christians who hate to save and usually gets into trouble when needs arises.

All of the pillars of financial literacy will be take one after the other in the coming weeks for us to have indepth knowledge of them and to practicalize them in our living

Proverbs 6:6-8 KJV

Go to the ant, thou sluggard; consider her ways, and be wise:

 [7] Which having no guide, overseer, or ruler

, [8] Provideth her meat in the summer, *and gathereth her food in the harvest.*

The ants have a habit of gathering food during the bountiful season, so that it'll live on it.

You must know that, there's time and season. There are times that we will have abundance and there are times that we wouldn't have abundance, hence the need to save against the days of less abundance


Budgeting is the life skill of planning and managing your money.


One of the people who have nothing to do with budgeting is Christians.

They spend just as the money comes in. Whether planned for it or not. When we begin to live that way, we'll always be in lack.

Anytime money comes your way, you have to draw a budget as to how that money is to be spent.

How much is for God!

How much is for food

How much is for your clothes, pomades, makeups, wigs etc.

How much is for charity?

If you don't plan this, you will loose all your money without knowing what you spend them on

Also, make sure you don't spend more than you earn,else you'll always be in debt. Without financial literacy, you'll always be in debt.

The last pillar of financial Literacy is πŸ‘‡


Investing is all about creating and growing the wealth you need to enjoy a financially secure and happy future.

It's about putting your money into something that will make you a profit over prime such as property etc.

There are some of you here who the Lord has helped you with some amount of money, but you do not know what do with it. If you want that money to multiply for you, you have to invest the money.

Meanwhile, I'm not the one to guide you into what to invest into. We have experts who will come and educate us on that.

God is an investor. And we can't afford not to be one.


“Now after a long time the master of those servants returned and settled accounts with them. And the one who had received the five talents came and brought him five more, saying, ‘Master, you entrusted to me five talents. See, I have [made a profit and] gained five more talents.’

Matthew 25:19‭-‬20 AMP 

And so the master gave the servant five, and the servant invested it into whatever business he did and he gain five more in addition

“Also the one who had the two talents came forward, saying, ‘Master, you entrusted two talents to me. See, I have [made a profit and] gained two more talents.’

Matthew 25:22 AMP

πŸ‘†The one who received the two also came with a multiplication of what the master gave him

Now watch what happened to the last man πŸ‘‡

“The one who had received one talent also came forward, saying, ‘Master, I knew you to be a harsh and demanding man, reaping [the harvest] where you did not sow and gathering where you did not scatter seed. So I was afraid [to lose the talent], and I went and hid your talent in the ground. See, you have what is your own.’ “But his master answered him, ‘You wicked, lazy servant, you knew that I reap [the harvest] where I did not sow and gather where I did not scatter seed. Then you ought to have put my money with the bankers, and at my return I would have received my money back with interest.

Matthew 25:24‭-‬27 AMP

The master said, you should have invested my money into a banking business so that he'll receive interest and profit.

Don't waste that money you have been blessed to have. Invest it. How do you invest? Watch out in our subsequent meetings

Finally.. I want to emphases that, God doesn't gives us money. No! He rather gives us the ability to make wealth or money! πŸ‘‡

But remember that it is the Lord your *God who gives you the power to gain wealth,*, in order to confirm His covenant that He swore to your fathers even to this day.

Deuteronomy 8:18 BSB

A lot of us are looking for money to live a good life here on earth.

Well, you can keep praying for money, but it won't come. God has given you the ability, skills and power to make wealth.

In conclusion, It is very dangerous to become financially illiterate in this dispensation.

You need to learn about how to make money

How to manage money.

How to multiply money

How to create wealth.

How to invest, save, budget and get out of debt.

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