L esson 5 *January 28–February 3

(page 38 of Standard Edition)

Dealing With Debt

Sabbath Afternoon
Read for This Week’s Study: Deut. 28:1, 2, 12; Matt. 6:24;
1 John 2:15; Prov. 22:7; Prov. 6:1–5; Deut. 15:1–5.

Memory Text: “The rich rules over the poor, and the borrower is
servant to the lender” (Proverbs 22:7, NKJV).

O
ne definition of debt is “living today on what you expect to
earn in the future.” Today debt seems to be a way of life, but it
should not be the norm for Christians. The Bible discourages
debt. In the Scriptures there are at least 26 references to debt, and all
are negative. The Bible does not say that it is a sin to borrow money,
but it does talk about the often-bad consequences of doing so. When
considering financial obligations, Paul counseled: “Render therefore to
all their due: taxes to whom taxes are due, customs to whom customs,
fear to whom fear, honor to whom honor. Owe no one anything except
to love one another” (Rom. 13:7, 8, NKJV).
Why is debt an almost international scourge at every level—­
personal, corporate, and government? Every society has always had
at least a small percentage who were in debt. But today a much larger
portion of the people are in debt, and it’s almost never to their benefit.
This week we will consider the reasons for debt and how to deal with
it. You may be debt-free, but you can share this valuable information
with family and friends who could benefit from it.

* Study this week’s lesson to prepare for Sabbath, February 4.

57
 S unday January 29
(page 39 of Standard Edition)

The Debt Problems

Read Deuteronomy 28:1, 2, 12. What is God’s ideal for His children
regarding debt? How can they attain this ideal? And though this
context is very different from ours, what principles can we take
away from it to apply to ourselves now?

_____________________________________________________

_____________________________________________________

_____________________________________________________
Studies show that there are three primary reasons that people get
into financial difficulty. They are listed here in the order of greatest
frequency.
The first is ignorance. Many people, even the educated, are finan-
cially illiterate. They were simply never exposed to the biblical or even
secular principles of money management. There is hope, however!
This lesson will provide a simple outline of these principles and how
to apply them.
The second reason for financial difficulties is greed, or selfish-
ness. In response to advertising and personal desire, people simply
live beyond their means. They aren’t willing to live in, drive, or wear
what they can really afford. Many of these same people also feel that
they are just too poor to tithe. As a consequence, they live their lives
without God’s promised wisdom and blessing (see Mal. 3:10, 11; Matt.
6:33). There’s hope for these people, as well, but it requires a change of
heart—and a spirit of contentment.
The third reason people find themselves in financial difficulty is
personal misfortune. They may have experienced a serious illness
without adequate health insurance. They may have been abandoned
by a spendthrift marriage partner. A natural disaster may have wiped
out their possessions. Or they may have been born and raised in abject
poverty. There is hope for these people too. Though their path is more
difficult, their troubles can be overcome. Change may come with the
support of Christian friends, the counsel and/or assistance of godly
counselors, hard work coupled with a good education, and the blessing
and providence of God.
Whatever the reason, even if it’s a person’s own fault, debt can be
alleviated. However, those in debt will need to make some changes in
their lives, their spending, and their financial priorities.

Read 1 Timothy 6:6–9. What is Paul saying here that all of us

need to heed? What do these words mean to you, and in what
ways can you better follow what the Word is teaching us here?

58
 M onday January 30
(page 40 of Standard Edition)

Following Godly Counsel

We are material beings, and we live in a material world, a world that,
at times, can be very alluring. You’d have to be made out of steel and
synthetic oil, not flesh and blood, not to feel, at times, the lure of mate-
rial possessions and the desire for wealth. At one time or another, who
hasn’t fantasized about being rich or winning the lottery?
Though we all face it, and there is nothing wrong in and of itself in
working hard to earn a good living or even being wealthy, none of us
has to succumb to the trap of making idols out of money, wealth, and
material possessions. We are promised divine power to stay faithful to
what we know is right. This is important, because the temptation of
wealth and material possessions has led to the ruin of many souls.

Read Matthew 6:24 and 1  John 2:15. Though expressed differently,

what’s the common theme found in both of these scriptures?

_____________________________________________________
Unfortunately, the love of the world can be so strong that people will
get into debt in order—as they hope—to satisfy that love. (It never
works; see Eccles. 4:8.)
And because debt is one of Satan’s nets that he sets for souls, it just
makes sense that God would like to see His children debt-free. He has
given us counsel through the Bible and the prophetic gift that will lead
us to financial freedom.

Read Psalm 50:14, 15. What attitude should God’s people live with?
What does it mean to “pay your vows” (NKJV)?

_____________________________________________________

_____________________________________________________
We enter into our church membership with praise and thanksgiving
to our God, who has created and redeemed us. In point 9 (of 13) in our
baptismal vows, we were asked, “Do you believe in church organization?
Is it your purpose to worship God and to support the church through
your tithes and offerings and by your personal effort and influence?” As
Seventh-day Adventists, we all said yes. So, this text (Ps. 50:14, 15) is a
promise to those who offer thanksgiving to God and are faithfully paying
their vows.

What do your choices tell you about how well you deal with the
lure of the world? Why is working hard to earn a good living not
necessarily the same thing as making an idol of wealth or money?
How can we learn the difference?
59
 T uesday January 31
(page 41 of Standard Edition)

How to Get Out of Debt

Read Proverbs 22:7. In what sense are we under bondage to the
lender?

_____________________________________________________

_____________________________________________________
What can be done to escape from this unfortunate phenomenon?
If you are in debt, the following outline will help you begin a debt-­
elimination process. The plan is simple. It has a premise and three steps.
The premise is a commitment to God to be faithful in returning His
holy tithe to access His wisdom and blessing. He is eager to bless those
who obey Him.
Step 1 is to declare a moratorium on additional debt: no more credit
spending. If you don’t borrow money, you can’t get into debt. If you
don’t borrow any more money, you can’t get further into debt.
Step 2 is to make a covenant with God that from this point on, as He
blesses, you will pay off your debts as quickly as possible. When God
blesses you financially, use the money to reduce debt—not to purchase
more things. This step is probably the most crucial. When most folks
receive unexpected money, they simply spend it. Don’t; instead apply it
to your debt-reduction plan.
Step 3 is the hands-on practical part. Make a list of all your debts, from
the largest to the smallest, in descending order. For most families, the
home mortgage is at the top of the list, and a credit card or personal debt
is at the bottom. Begin by making at least the minimum payment due on
each of your debts on a monthly basis. Next, double up or increase your
payments in any way you can on the debt at the bottom of the list. You’ll
be happily surprised how quickly you can eliminate that smallest debt.
Then use the money that you were paying on the bottom debt to add to
the basic payment on the next debt as you work your way up the list. As
you eliminate your smaller high-interest debts, you’ll free up a surprising
amount of money to place on the next-higher debts.
God clearly doesn’t want us in debt. Once the covenant is made,
many families find that God blesses them in unexpected ways, and the
debt is reduced faster than they had anticipated. By following these
three simple steps, many families have become debt-free. You can
too! By putting God first, you’ll receive His wisdom and blessing for
manag­ing what He has entrusted to you.

“Let your conduct be without covetousness; be content with such

things as you have. For He Himself has said, ‘I will never leave
you nor forsake you’  ” (Heb. 13:5, NKJV). How could applying
these words greatly help people avoid getting into debt?
60
 W ednesday February 1
(page 42 of Standard Edition)

Surety and Get-Rich-Quick Schemes

The Bible is very clear that God does not want His children to become
responsible for the debt obligations of others. In the book of Proverbs, the
Lord has warned us against surety—that is, cosigning or being guarantor
for another person.

Read Proverbs 6:1–5, Proverbs 17:18, and Proverbs 22:26. What is the
message here?

_____________________________________________________

_____________________________________________________
Surety usually occurs when a person with poor credit seeks a loan
from a lending institution and does not qualify for the loan. The loan
officer will tell the unqualified person that if he or she will get a friend
with good credit to cosign with him or her, then the bank will grant the
loan and hold the cosigner responsible in the event of a default.
Sometimes a fellow church member will come to you and ask you
to cosign. Your response should be: “The Bible says I should never do
that.” Please understand that the Bible encourages us to be helpful to
those in need, but we should not become responsible for their debts.
Parents are sometimes asked by teenagers to cosign for the purchase
of their first car. Or older adult children will ask parents to cosign for a
business loan. The same answer applies. It is appropriate to help others
if there is a real need, but do not become surety for the debts of others.
Studies show that 75 percent of those who cosigned end up making the
payments!

Read Proverbs 28:20 and 1 Timothy 6:9, 10. What’s the warning here?
_____________________________________________________

_____________________________________________________
Get-rich-quick schemes are another financial trap; they are almost
guaranteed to lead to financial ruin for those who get caught up in
them. When it sounds too good to be true, it surely is. Many people are
hurt emotionally and financially. An additional tragedy with these devi-
ous plans is that, in many cases, individuals have had to borrow money
to become involved in them in the first place. Many lives and families
have been ruined by get-rich-quick schemes that end up enriching only
the con artists who devise them at the expense of those who fall into
their trap. When a friend, or even a loved one, tries to pull you into one
of these schemes, run. Don’t walk. Run—as fast as you can.

61
 T hursday February 2
(page 43 of Standard Edition)

Term Limits and Borrowing Points

Read Deuteronomy 15:1–5. What did the Lord require of His people
as revealed in these verses?

_____________________________________________________

_____________________________________________________
In harmony with other seven-year statutes (Exod. 21:2; Lev. 25:3,
4), not only were the slaves or servants and the land regulated but also
the lenders. Because the lenders did not want to forgive any debts, the
longest anyone could be in debt was seven years. Whatever else we can
take from these verses, they do show that the Lord cares about these
kinds of financial issues, especially when, at that time, they concerned
fellow Israelites. These verses also show that the Lord acknowledged
the reality of debt, no matter how bad it generally was. He also empha-
sized that it was to be avoided as much as possible.
Today, by contrast, people in many parts of the world have loans for
30 and 40 years for home purchases. It seems that one reason houses
cost so much is that credit is available to provide loans to purchase them.
Meanwhile, many people—parents and students—wonder about bor-
rowing money for an education. As a rule, getting a college degree will
enhance a person’s income capability for the rest of his or her life. Some
people might have to borrow some money to pay for their education,
but keep in mind these factors. You have to pay it back with interest. Try
to get all of the grants and scholarships that you can qualify for. Work
and save all you can for school. Take only courses that will lead to a job.
Have parents help. In Bible times, parents gave their children farmland
so that they could make a living. Today that “inheritance” should likely
be an education so that they can become independent adults.
In an ideal world, there would be no borrowing and no debt. But
because we don’t live in an ideal world, there might be times when it is
necessary to borrow. Just make sure that you have the best deal possible
and the best interest rate available. Then borrow the very minimum that
you need and pay it off as quickly as possible to save on interest costs.
In principle, however, to whatever degree humanly possible, we should
seek to avoid debt, and by following biblical financial principles in our
everyday lives, we can go a long way toward avoiding unnecessary debt
and the terrible strain it can put on us and our families.

If you have lent people money, how honest and fair and kind are
you in your dealings with them? How would you fare before God
when you have to answer for those dealings? (See Eccles. 12:14.)

_____________________________________________________
62
 F riday February 3
(page 44 of Standard Edition)

Further Thought: The three-step process of debt elimination is actu-

ally found on one page of Ellen G. White’s writings. Emphasis has been
added to highlight the points.
“Be determined never to incur another debt. Deny yourself a thousand
things rather than run in debt. This has been the curse of your life, getting
into debt. Avoid it as you would the smallpox.
“Make a solemn covenant with God that by His blessing you will pay
your debts and then owe no man anything if you live on porridge and
bread. . . . Do not falter, be discouraged, or turn back. Deny your taste,
deny the indulgence of appetite, save your pence and pay your debts.
“Work them off as fast as possible. When you can stand forth a free
man again, owing no man anything, you will have achieved a great
victory.”­—Counsels on Stewardship, p. 257.
If you need additional help to become debt-free, try these points:
Establish a budget. Make a simple budget by keeping a record of all
your income and expenses/purchases over a period of three months.
Many are surprised to learn how much money they spend on unneces-
sary items.
Destroy credit cards. Credit cards are one of the major causes of family
indebtedness. They are so easy to use and so hard to pay off. If you find
that you aren’t paying off the cards in total each month, or that you are
using them to purchase items that you would not otherwise have bought,
you should destroy your credit cards before they destroy you or your
marriage or both.
Begin economic measures. Sometimes we aren’t aware of how much
we could save on our monthly expenses just by being careful about some
of the small things that we purchase. They quickly add up.

Discussion Questions:
Ê The amount of debt that many nations, as well as individuals,
have taken upon themselves is staggering. What has been your
own experience with debt and the problems that debt has created
for you or others?

Ë What could your local church do to help members learn to

manage debt or financial issues in general?

Ì What are some Bible promises that you can claim to help pro-
tect yourself from the lure of the world and the financial dangers
greediness can pose to us?

63
i n s i d e
Story
Troubled Boy to Church Elder
By Sheron Ndhlovu
Edmond was a troubled child in Mzuzu, Malawi. He refused to obey his
parents, teachers, or any other adult. At school, he hit the other boys and
even the teachers. He gained such a fearful reputation that children and
adults alike were scared of him.
One day, Edmond decided that it would be fun to disrupt the Pathfinder
club. He took his unruly friends to Chasefu Seventh-day Adventist Church,
and they mocked the marching and singing Pathfinders. Edmond enjoyed
seeing the Pathfinders react, so he and his friends returned week after week.
But as the weeks passed, Edmond became interested in Pathfinder
activities. He wanted to know more about what the children were doing
and what they believed. When the church organized evangelistic meetings
at Mzuzu Stadium, he decided to go, but he did not tell his friends for
fear that they would laugh at him. He also did not tell his parents, who
belonged to another Christian denomination, because he worried that they
might punish him.
At the meetings, Edmond fell in love with the God of heaven and the Lord
of the seventh-day Sabbath. Even though he was afraid that the Adventist
children and adults whom he had mistreated so terribly would reject him, he
summoned up the courage and gave his heart to Jesus in baptism.
His parents found out about the baptism four months later, and they
immediately disowned the boy. Edmond stayed in the homes of church
members, and they taught him more about the Bible until he became well-
versed in its teachings. He also worked odd jobs to pay required fees so
he could stay in school. Three years passed. Edmond’s parents saw that
he was faithful to God. They saw that he had become a new creature in
Christ, and they asked him to return home.
Today, Edmond Tchiri is married to an Adventist wife, and they have
two sons. He also serves as an elder at Chasefu Seventh-day Adventist
Church, the place where he used to torment the Pathfinders. He says that
only God could have transformed the troubled schoolboy into a church
elder. “Never look down on children, no matter
how bad-behaved they may be,” he said.
Thank you for your 2021 Thirteenth Sabbath Offering that is
helping to construct a community outreach and leadership
development center on the Mzuzu campus of Malawi Adventist
University, so more boys and girls, men and women, can learn
about the transforming power of Jesus in Edmond’s hometown
and beyond in the Southern Africa-Indian Ocean Division.
This quarter’s offering will support six more educational proj-
ects in the neighboring East-Central Africa Division.

Provided by the General Conference Office of Adventist Mission, which uses Sabbath School
64 mission offerings to spread the gospel worldwide. Read new stories daily at AdventistMission.org.
 teachers comments

Part I: Overview
The fact that God warns against debt shows us that debt has spiritual
implications (Prov. 6:1–5, Prov. 22:7).
Deliverance from debt consists in placing God’s kingdom first,
freeing oneself from the desire for material things (Matt. 6:33). In the
divine covenant, there is prosperity and an end to debt (Deut. 28:1, 2).
However, for these promises to materialize, an experience of love for
God is required, which translates into obedience to His commandments,
to the vows taken during baptism, including faithfulness in tithes and
offerings (Ps. 50:14, 15; Mal. 3:7–12).
The creditor is lord of the debtor (Prov. 22:7), but, according to Jesus,
only God should be our Lord (Mark 12:29). Therefore, by loving God
and not the things of the world (1 John 2:15), we can overcome the lust
and pride of life, through the grace of Christ (1 John 2:16). We should
not conform to this materialistic and consumerist age, which leads to
indebtedness and insolvency. Rather, we should aim to be transformed
by the renewing of our minds and strive to know the perfect will of God
(Rom. 12:1, 2).
God desires that we aspire to a life of contentment (1 Tim. 6:6), free
from debt (Rom. 13:8). Contentment safeguards us from compromising
the principles of faith to become rich (1 Tim. 6:9). Thus, we need to
plan our financial obligations wisely (Luke 14:28) and also avoid taking
responsibility for someone else’s debt (Prov. 6:1–5). By following these
sound biblical principles, we will develop diligence and be prepared for
difficult times and unforeseen situations (Prov. 6:8). When we refrain
from accruing debt and from the love of money, we, as Christians,
may experience the joyful blessings that God promises to the faithful
(Mal. 3:10–12).

Part II: Commentary

God can provide relief to any debt situation. In most cases, however, God
puts the solution to the debt problem in our hands. After all, we are His
stewards and should act according to His will and blessing.
As Christians, we should do our best not to owe anything to anybody
(Rom. 13:8). Additionally, from a creditor’s perspective, the Christian
should not exploit those who need financial assistance. Bible teachings
invite us to be generous and, if possible, to forgive those brethren who
are unable to settle their debts (Deut. 15:1–4).

65
 teachers comments

Generally, debt is a complex phenomenon with personal, socio­historical,

and spiritual aspects. As such, we will limit our comments to some prac-
tical advice that the Bible offers on the subject.

Biblical Principles for Becoming Free From Debt

Part A: Put God First (Matt. 6:33).
1. Give Top Priority to God (Matt. 6:25–34). God doesn’t want us to be
indebted, because He loves the prosperity of His servants (Ps.  35:27).
Therefore, God should always be sought first in any debt crisis
(Ps.  105:4). The debt could have a spiritual origin, and, in such a case,
one should reflect on the need to confess financial sins, such as theft and
usury (Ezek. 18:12, 13); greed, which is idolatry (Exod. 22:12, Col. 3:5);
unfaithfulness in contracts (Rom. 1:31); love of money (1 Tim. 6:10); and
unfaithfulness in tithes and offerings (Mal. 3:7–10).
Those who have diverged from the divine plan need to return to God
and renew the covenant with Him (Ps. 50:14, 15; Mal. 3:7–12). To
these individuals, God promises deliverance and blessings. The sincere
desire to do what is right is an indication of grace at work, because “the
goodness of God leadeth thee to repentance” (Rom. 2:4).
We can do God’s will (Deut. 28:1, 2) only when we are under grace.
For, as Paul says, “by grace you have been saved through faith, and that
not of yourselves; it is the gift of God, not of works, lest anyone should
boast. For we are His workmanship, created in Christ Jesus for good
works, which God prepared beforehand that we should walk in them”
(Eph. 2:8–10, NKJV). By faith, in God’s grace, we may call upon divine
help to overcome debt. Then we enjoy God’s blessings that “maketh
rich, and he addeth no sorrow with it” (Prov. 10:22).

2. Be Holy and Sanctify Holy Things. In the Bible, God views His people
as holy, chosen, and special (Exod. 19:6, 1 Pet. 2:9). This holiness is dem-
onstrated when His people keep His commandments (Deut. 28:9).
The tithe also is holy (Lev. 27:30–32), and the offerings are holy
(Num. 18:29). In these texts, the word “holy” is kodesh. So the tithe
and offerings are kodesh, which means “sanctified,” “separated for the
Lord.”
To withhold the tithe and offerings is to misappropriate sacred or
holy things that have been dedicated exclusively to God and thus must
be returned to Him (Lev. 5:15, 16). In the Old Testament Scriptures,
restitution for withholding was required before atonement with
blood could take place and before the withholder could receive for-
giveness (Lev. 5:16). As such, when the people withheld tithes and
offerings, they separated themselves from God and failed to prosper

66
 teachers comments

(Mal. 3:7–10), for they had profaned holy things. God doesn’t change,
and this principle of making restitution, regarding tithes and offerings
(Mal. 3:6–8), is still in force.
“Hasten, my brethren and sisters, to bring to God a faithful tithe, and
to bring Him also a willing thank offering. There are many who will
not be blessed till they make restitution of the tithe which they have
­withheld.”—Ellen G. White, Counsels on Stewardship, p. 87.

Part B: Seek Help (Prov. 15:22).

1. Solicit Counsel From Friends and Professionals. Sometimes it is nec-
essary to acknowledge the condition of indebtedness and to seek help
from friends and family.
Treatment must be sought in case of debt caused by a psychological
disorder (oniomania). If this is the case, it could be helpful to seek spiri-
tual aid from one’s pastor, family members, or trusted friends. Asking for
friendly support in this process may lighten the burden and encourage the
decision to solve the problem.
“Before honor is humility” (Prov. 18:12, NKJV). God’s people should
consider the advantages to be derived from consulting the wisdom and
experience of seasoned people and financial and psychological professionals
because “in the multitude of counsellors they are established” (Prov. 15:22).
“If those who have not made life a success were willing to be instructed,
they could train themselves to habits of self-denial and strict economy,
and have the satisfaction of being distributors, rather than receivers, of
­charity.”—Ellen G. White, Testimonies for the Church, vol. 3, pp. 400, 401.

2. Ask for Divine Help and Wisdom. Divine help may come in the form
of discernment. In the Bible, wise manage­ment is a gift from God. The
wise man declares that “by knowledge shall the chambers be filled with
all precious and pleasant riches” (Prov. 24:4, emphasis supplied). Just as
the apostle recommends to “covet earnestly the best gifts” (1 Cor. 12:31),
we also can ask God for wisdom to take care of our finances, especially
in times of economic hardship. This search for wisdom is recommended
by James (James 1:5).
The word “knowledge” in Proverbs 24:4 means perception, ability,
and discernment for business dealings. Therefore, material prosperity is
preceded by biblically sound business principles on how to improve the
stewardship of the money that God has placed in our hands.

Part C: What Inspired Counsel Says About Saving (Prov. 6:8).

Be like the ant that in summer prepares its food for winter. Always set
aside some money for your savings. Include in the budget a regular per-
67
 teachers comments

centage dedicated for this purpose.

Saving for the future was wise counsel given by God to Joseph in
Egypt (Gen. 41:46, 47). Save so that you can have enough for the future
or for a time of crisis. Don’t spend if you really don’t need to. “From the
highest to the lowest, God’s workmen are to study to economize.”—Ellen
G. White, Counsels on Stewardship, p. 268.

Part D: Make a Budget (Luke 14:28–30).

The budget is a financial planning tool to manage income and expendi-
ture. Budgeting is important because, without planning, it is impossible
to expect success in any undertaking.
“You ought to be careful that your expenses do not exceed your
income.”—Ellen G. White, The Adventist Home, p. 375.
Pray when you prepare a budget. Plan to put God first (Matt. 6:33). Be
realistic and consult other family members about what is best for everyone in
your family. The Bible strongly disapproves of those who fail to take care of
their own: “And specially for those of his own house, he hath denied the faith,
and is worse than an infidel” (1 Tim. 5:8). Include the needs of the less for-
tunate in your budget, because caring for them is part of “pure and undefiled
religion before God and the Father” (James 1:27, NKJV).

Part III: Life Application

Ask a class member to read aloud the quotation below. Then discuss with
your class the questions that follow.
“Many, very many, have not so educated themselves that they can keep
their expenditures within the limit of their income. They do not learn to adapt
themselves to circumstances, and they borrow and borrow again and again
and become overwhelmed in debt, and consequently they become discour-
aged and disheartened.”—Ellen G. White, The Adventist Home, p. 374.
1. The above passage alludes to a social condition of indebtedness that
is increasingly common. In what way can the widespread phenome­
non of debt lead many to believe that indebtedness is normal and
even acceptable, despite the distress and constraints that debt usu-
ally causes? How do we respond to this situation? (See Rom. 12:1, 2.)

68
 teachers comments

2. In the divine covenant, God promised that His people wouldn’t be

indebted to others (Deut. 28:1. 2). He also established the release of
the indebted from their creditors every seven years (Deut. 15:1–4).
The divine model was not to have poverty in order not to have debt
(Deut. 15:4). Why was the divine model for Israel in terms of debt
not fulfilled (Mal. 3:6–10)? In what ways could this be happening
to us? Explain. How do we avoid this pitfall in our day?

3. Some possible sources of debt:

a. Debt that is beyond our control, caused by natural catastro-
phes, illness, and wars
b. Personal vulnerability, which comes from lack of financial
wisdom and experience, ability, or instruction
c. Complacency as a result of bad habits, boasting, and waste-
fulness
d. Necessary debt, which may occur because of certain business
investments, home ownership, and children’s education
Consider the above points and ask your students which debt is
avoidable and which can be justifiable. Why?

69
More Mission!

Y ou could read the mission story about 13-year-old Precious, whose

heart was transformed by the sound of children singing at a
Seventh-day Adventist boarding school in Uganda.
Or you could meet her and her friends through a collection of photos!
Visit the Facebook page of Mission Quarterlies to download
extra materials that make the mission
stories for children and adults
come alive every week.

@missionquarterlies
Learn to Cultivate Benevolence

Y
ou know that giddiness that tickles
your stomach as you watch a loved
one open a thoughtfully chosen gift
or the feeling of warmth that envelops
your heart after you help a stranger in need?
God knows that when we give and help and
serve, our lives are richer and fuller than when
we hoard and guard what we have.
Counsels on Stewardship is a collection of
practical instruction on how to cultivate
the kind of benevolence that pays us back
abundantly in spiritual blessings.
Put God to the test and see for yourself!

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