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 material 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 for 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 them?

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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 (Psalm 50:14-15) is a promise to those who offer thanksgiving to God and are faithfully paying their vows.

<–Sunday Tuesday–>

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Read Deuteronomy 28:1-2, Deuteronomy 28:12. 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 this context and apply to our own 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.

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The first is ignorance. Many people, even the educated, are financially 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 selfishness. 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 Malachi 3:10-11; Matthew 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 in 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.

<–Sabbath Monday–>

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Sabbath Afternoon

Read for This Week’s Study: Deuteronomy 28:1-2, Deuteronomy 28:12; Matthew 6:24; 1 John 2:15; Proverbs 22:7; Proverbs 6:1-5; Deuteronomy 15:1-5.

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

One 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. It 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” (Romans 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.

Sunday–>

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Aspiring Artist’s Gift

By Sachiko Obara

My 14-year-old son, Eichiro, had a special plan for his summer vacation in Japan. He loved to draw, and he decided to save money to purchase a professional tablet and software that he could use to create his art.

Eichiro did careful preliminary online research to find out which tablet would be the best for him, and he even went to the store with his father to see it in person. At the same time, he eagerly looked for ways to earn money, even asking me to pay him for doing simple household chores.

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After some time, he saved up 55,000 Japanese yen (U.S.$500), and he ordered the tablet online. “It will arrive soon!” he excitedly told me. Every three hours, he went online to check the delivery status.

A few days later, the package arrived. Eichiro carefully opened it, checked the tablet’s functions, and began to paint. For the next three days, he was like a professional artist holed up in a studio. Then he emerged from his room and made an astonishing announcement. “I’m thinking about giving the tablet away,” he said. He had seen a video, produced by the Seventh-day Adventist Church in Japan, about a project to create a comic-book version of Ellen G. White’s The Great Controversy. In the video, he had seen a young Adventist artist starting to work on the project with an old tablet.

“If I could get her to use my tablet, I think it would help her to get more work done,” Eichiro said. “I’m asking God whether this is His will.”

At his insistence, I contacted the person in charge of the project and was put in touch with the young artist. It turned out that she needed a tablet just like Eichiro’s. But when she heard that Eichiro had worked so hard for it, she hesitated. So, I told her that Eichiro had made the decision with much prayer. “I’ll accept the tablet gratefully,” she said.

I believe that the Holy Spirit touched my son’s heart in a powerful way. Before buying the tablet, his only thoughts were about how to earn more money. But as the Holy Spirit worked, his focus shifted from self to God and His mission work. I’m very happy that my son heard God’s calling and was able to contribute to His work. Let’s all seek to obey God just as honestly when He calls us to fulfill the mission of proclaiming Jesus’ soon coming to the world.

This mission story illustrates the following components of the Seventh-day Adventist Church’s “I Will Go” strategic plan: Spiritual Growth Objective No. 6, “To increase accession, retention, reclamation, and participation of children, youth, and young adults,” and Spiritual Growth Objective No. 7, “To help youth and young adults place God first and exemplify a biblical worldview.” Read more: IWillGo2020[dot]org.

Produced by the General Conference Office of Adventist Mission. Find more mission stories at adventistmission[dot]org

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Further Thought:

 The heavenly record book of remembrance also notes the financial faithfulness of God’s family members. “The recording angel makes a faithful record of every offering dedicated to God and put into the treasury, and also of the final result of the means thus bestowed.

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The eye of God takes cognizance of every farthing devoted to His cause, and of the willingness or reluctance of the giver. The motive in giving is also chronicled. Those self-sacrificing, consecrated ones who render back to God the things that are His, as He requires of them, will be rewarded according to their works. Even though the means thus consecrated be misapplied, so that it does not accomplish the object which the donor had in view, — the glory of God and the salvation of souls, — those who made the sacrifice in sincerity of soul, with an eye single to the glory of God, will not lose their reward.” — Ellen G. White, Testimonies for the Church, vol. 2, p. 518.

“God desires people to pray and to plan for the advancement of his work. But, like Cornelius, we are to unite praying with giving. Our prayers and our alms are to come up before God as a memorial. Faith without works is dead; and without a living faith it is impossible to please God. While we pray, we are to give all we possibly can, both of our labor and our means, for the fulfillment of our prayers. If we act out our faith, we shall not be forgotten by God. He marks every deed of love and self-denial. He will open ways whereby we may show our faith by our works.” — Ellen G. White, Atlantic Union Gleaner, June 17, 1903.

Discussion Questions:

<–Thursday

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