The Secret of Handling Money God's Way

The Secret of Handling Money God's Way

by Howard Dayton, Bev Dayton

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This 12-week curriculum is fashioned much the same as The ABC's of Handling Money God's Way, but is designed for children ages 8-12. Includes Scripture memorization, more in-depth questions, and activities to apply what each chapter has taught.

Product Details

ISBN-13: 9780802431547
Publisher: Moody Publishers
Publication date: 10/01/2003
Series: Leading Young Hearts and Minds to God Series: Susan Horner's Miracles of Creation Series
Edition description: New Edition
Pages: 112
Product dimensions: 7.50(w) x 10.00(h) x 0.31(d)
Age Range: 8 - 12 Years

About the Author

HOWARD DAYTON is Co-founder of Crown Financial Ministries®, created by a 2000 merger of Crown Ministries, which he founded in 1985, and Larry Burkett¿s Christian Financial Concepts. Howard¿s books and small-group financial studies have been used by thousands of churches and individuals. He is a former naval officer, restaurateur, and real estate developer.

Howard and his wife, Bev, have been married for over 35 years. They reside in Gainesville, Georgia, and have two married children.

BEVERLY DAYTON, along with her husband Howard, has co-authored books, workbooks, and teacher¿s guides designed to teach children and teenagers to handle money God¿s way. Bev is an accomplished speaker and also owns a home-based business. Howard and Bev have been married for over 35 years, have two married children, Matthew and Danielle, and live in Gainesville, Georgia.

Read an Excerpt


Discovering God's Secret Of Handling Money
By Howard and Bev Dayton

Moody Publishers

Copyright © 1997 Crown Ministries, Inc.
All right reserved.

ISBN: 0-8024-3154-2

Chapter One

"Now, remember," the coach said, "you have six weeks to get enough money for baseball camp. This camp will be the best seven days of your life!"

"Oh, sure," Josh whispered to Andy. "If we can come up with the money!"

Andy groaned, "How will we ever be able to do it?" Coach Stevens was reminding everyone to pick up their bats and gloves as Maria and Ruth came running over. "Can you believe that?" Maria said excitedly. "Three major league players are going to be at camp. Just think how much we will learn about baseball."

Ruth picked up Josh's glove and tossed it to him. "Didn't you tell us your grandpa used to play baseball with the Red Sox, Josh?" she asked. Josh flung his bag over his shoulder as the four friends walked to their bikes. "Yes, he played with them for five years and was an all-star," Josh answered. With a frown he continued, "But I'm not sure I'll be able to go. Camp costs a lot and I don't know where I'm going to get the money."

"Me, either," Andy said. "My dad's been out of work for two months, and Mom said it's hard right now just to put food on the table." "I'm not sure I'll have it either," added Ruth. Suddenly she grabbed Maria's arm. "I've got an idea," she said. "Why don't we find a way to earn enough money to pay for camp?" "How are we going to do that?" Maria asked dejectedly. "What can four eleven-year-old kids do to earn all that money?"

"I know what we can do," Josh interrupted. "Let's go over to my grandpa's house. I want you to meet him. Maybe he will have some good ideas. He's real smart!"

"Let's go," the others said. They jumped on their bikes and took off down the street.

Josh's grandparents had just moved to town. Josh's grandpa was a veterinarian who had taken care of farm animals. They had moved so they could be closer to Josh and his family. "This is it!" Josh called out as he turned his bike into the driveway of an old white farmhouse on the edge of town. The fence around the large field behind the barn was old and broken down. Andy, Ruth and Maria followed, coming to a stop under a big maple tree in the front yard. They jumped off their bikes and spotted Josh's grandpa coming out of the barn. Three chickens scrambled out of the barn behind him, chased by a calico cat. Grandpa stood there in faded blue jeans and a red plaid flannel shirt. White hair stuck out from under his Red Sox baseball cap. As he smiled, his eyes twinkled.

"Hi, Grandpa," Josh called as he ran up and gave him a hug. Grandpa's big hands wrapped around Josh as he swung him in a circle. As Grandpa put him down, Josh tumbled to the ground. Just then a large black and tan German shepherd ran up with his tail wagging. He licked Josh's face. Everyone laughed as Josh wiped his cheeks. "Samson couldn't wait to see you face-to-face again, Josh," Grandpa said with a laugh. Josh sat up and hugged Samson. "You're a good dog," he said. "My friends will like you a lot." "Well, you've all met Samson," Grandpa said. "You can call me Grandpa Pete. But I don't know your names yet. How about introducing me to your friends, Josh?" "This is Andy, Maria and Ruth," Josh said. Just then the calico cat rubbed up against Andy's legs. Surprised, he jumped away. Grandpa laughed. "That's Patches coming over to meet you," he said. Ruth and Maria knelt down and started petting Patches.

Just then Josh's grandma stepped out onto the back porch. "Hi, Josh," she called. "I'm glad you brought your friends over. I'm making lemonade. I'll bring you some in a minute." "Thanks, Grandma," Josh answered. Then he turned to Grandpa, asking, "Where's Abigail, Grandpa?" "She's in the field out back," Grandpa answered. "Come on, kids, I'll introduce you to Abigail." Josh ran over to the gate with the others close behind. Josh pointed to a little hut with straw on the ground. "That's where she is," he called back to his friends. "Look at this," Maria exclaimed as she arrived. There, on her side, lay a huge pig, her pink belly sticking out like a watermelon. She lifted her head and grunted when she saw the kids, but didn't make another move. Maria stooped down next to Abigail and started to pet the pig's head, but she then stopped and looked at Grandpa. "Will she bite me?" she asked. "Probably not, but be careful," Grandpa cautioned. "Abigail's going to have some baby pigs in about three weeks. She's gotten so big she's uncomfortable and a little grouchy. Try scratching behind her ears. She loves that."

Andy moved closer to Grandpa. "There's no way I'm going to touch that fat old pig!" he said, pushing his hands deep into his pockets. "Well," Grandpa said, putting his arm around Andy's shoulders. "It's wise to be careful until you get to know strange animals." "Grandpa, when are you going to bring your horses from Ohio?" Josh asked. "Just as soon as I can repair the broken-down fence," replied Grandpa. "Horses need a fence to keep them where they belong, you know." "I don't know any more about farm animals than I do about getting enough money for baseball camp," Josh groaned. "Grandpa, that's one of the reasons we came to see you. Our coach told us about camp this morning. It's going to be so much fun! There's even going to be three major league players there. But we only have six weeks to get enough money to go. Our parents won't be able to help us very much. Can you think of some ways we could earn some money?"

Andy looked up at Grandpa and said, "We'd do anything to go to camp. We just don't know what to do!"

"Well, I know a good place for you to start finding out about money," Grandpa said.

"Where?" they asked in unison. "Right here," Grandpa said, pulling out a thin, black book from his shirt pocket. "I carry this with me all the time because it has the answers to a lot of my problems."

"Grandpa, that's the Bible," Josh exclaimed. "What can it tell us about earning money to go to camp?"

Grandpa smiled as he pulled off his baseball cap. "I've spent years studying what God says about money, and believe me, He says a lot. Did you know there are more than 2,350 verses in the Bible that talk about money?"

Josh was growing impatient. "But, Grandpa, we need to know how to earn money," he said, a frown wrinkling up the freckles on his nose. "If we don't, we'll never make it to camp."

"I understand, Josh," Grandpa answered. "I'll make a deal with you kids. If you let me teach you some of the things that God says about the way we should handle money, then I will help you figure out some ways to earn enough money for camp. There will be twelve lessons. Before each lesson you'll need to look up some Bible verses and answer some questions. You'll also memorize a Bible verse for each lesson. And if you will help me fix this broken-down fence and take care of Abigail and the other animals, I'll pay you for your work."

"Will you really?" Maria said. "It would be so exciting if we could go to camp." "Is it a deal, then?" Grandpa asked, standing up and brushing the straw from his jeans.

"Sure, it's a deal!" said Josh, sounding excited for the first time since the coach told them about the baseball camp. Just then they heard the back door open. Grandma came out carrying a tray. "Who's ready for some lemonade?" she asked. "I am!" all four kids shouted as Grandma set the tray down on a bale of hay.

"Grandpa," Josh asked, "can we start right now on our first lesson?"

"Well, this is as good a time as any," said Grandpa. He paused and looked over at Maria and Ruth sitting on the straw beside Abigail. "Look at Abigail. As soon as Maria and Ruth started scratching her ears she started smiling at them." Abigail was so contented with the girls' attention that she had fallen asleep. With her closed eyes and turned-up snout she looked like she was smiling. The boys laughed, and Andy ventured over to sit beside her. Gingerly he reached over to scratch her ear, then pulled his hand away as she grunted loudly. Grandpa laughed and continued, There are three things I'd like you to remember from this lesson. The first is that God says a lot about how we should handle money. Remember, there are 2,350 verses in the Bible that talk about money. Why do you think the Lord said so much about money? He wanted to give us clear directions for how to use it. He wanted to help us avoid making mistakes in handling it. "The second thing I'd like you to remember is that God's way for us to handle money is different from the way most people handle money. God tells us in Isaiah 55:8-9: My thoughts are not your thoughts, neither are your ways My ways. The Bible tells us all about God's ways, and that includes how we should handle money."

"We'll be able to remember that, Grandpa," said Josh. "What's the last thing we should know?"

Grandpa took out his Bible and turned to Luke 16:11. "Andy, why don't you read Luke 16:11 for us?"

"Sure," said Andy. "If therefore you have not been faithful in the use of worldly wealth, who will entrust the true riches to you?"

"That's a little harder to understand, kids," said Grandpa. But this is what it means. If you handle your money the way the Lord wants you to, you will become closer friends with God. The joys and blessings of knowing Him well are the 'true riches' mentioned in that verse.

"After practice tomorrow, come over and we'll look at the second lesson," Grandpa said. "We'll study what part God plays with our money. In a minute I'll make a list of the verses for you to look up and the questions for you to answer. I'll also tell you which verse to memorize. Why, in six weeks you'll be getting on the bus to go to camp." Then he asked with a twinkle in his eyes, "Say, Josh, do you think they need an old Red Sox player to attend your camp?"

Memorize this scripture!

If therefore you have not been faithful in the use of worldly wealth, who will entrust the true riches to you? (Luke 16:11).

Answer these questions?

1. Open the Bible and read Isaiah 55:8-9. Do think God's way of handling money is different from the way most people handle money? ________________________________________________________________________ _______________________________________________________________________________ _______________________________________________________________________________ _______________________________________________________________________________

2. What do you think would be the greatest difference? _______________________________________________________________________________ _______________________________________________________________________________ _______________________________________________________________________________ _______________________________________________________________________________

3. There are more than 2,350 verses in the Bible that talk about money. Why do you think the Lord says so much about money? _______________________________________________________________________________ _______________________________________________________________________________ _______________________________________________________________________________

4. Look up and read Luke 16:11. What do you think are the "true riches" the Lord mentions in this verse? ______________________________________________ _______________________________________________________________________________ _______________________________________________________________________________ _______________________________________________________________________________

Work it out! If you do not have a Bible, get one so you can look up what God says about money. Read over the books of the Bible listed in the front of your Bible-they start with Genesis and end with Revelation. Some of the books are in the Old Testament and some are in the New Testament.

Count the books in the Bible. How many are there?-

Get ready for the next chapter! Memorize 1 Chronicles 29:11-12 and answer the questions on pages 19 and 20.

Pray for me! Share your prayer requests with one another and write them down on the Prayer Lists beginning on page 104. Then end the lesson by praying.

Chapter Two

A Giant in the Clubhouse

Come on, Maria, I'll beat you to Granddpa's," Josh called as he pedaled his bike down the road. Andy and Ruth were close behind. They had just finished baseball practice and were heading over to Grandpa's house.

Earlier that morning Grandpa had called Josh and said, "Morning, Josh. I wanted to catch you before you left home. I've got a surprise for you and your friends!"

No matter how hard he tried, that's all Josh could get Grandpa to tell him. He had no idea what the surprise was, but he was anxious to find out. The kids turned into the driveway and coasted to the back yard. They jumped off their bikes just as Grandpa walked out of the barn carrying some fence posts.

"About time you got here," he called. Samson ran up to the kids, wagging his tail.

"Grandpa, tell us about the surprise," Josh begged impatiently.

"Whoa, Josh, you're always in a hurry. You remind me of a feisty, young colt I used to have," Grandpa replied. "Come on over to the barn. The surprise is in there."

The kids ran for the barn. They stopped at the doorway as Josh exclaimed, "Look what Grandpa built for us!"

Grandpa had set up a clubhouse in one corner of the barn. A piece of tan canvas was attached to the center beam of the roof and stretched across to the wall. Under the canvas Grandpa had put five or six bales of hay and a couple of old upside-down crates. The hay smelled like fresh cut grass. A sign painted with the words "Clubhouse" was nailed to the wall. A rope hung from the roof of the barn with knots tied about every eighteen inches apart.

The kids ran over to the hay, sending a big brown hen scurrying off one of the bales. The hen squawked loudly. "I guess that hen wanted to use that hay for her roost," Grandpa said laughing.

Josh grabbed a knot on the rope and swung in circles. "This is great, Grandpa," he said.

"Why don't you climb on up to the loft, Josh?" Grandpa asked, pointing to the loft near the roof where the rope had been tied.

Josh, then Andy, climbed up the knots and stepped onto the loft. Some of the boards creaked. Then they sat down on the edge, sticking their legs under the railing.

"This is a great place for a clubhouse, Grandpa Pete," said Maria. "We can come here every day after we help with the animals. Thanks so much for making it for us."

"You're welcome," Grandpa said.


Excerpted from THE SECRET by Howard and Bev Dayton Copyright ©1997 by Crown Ministries, Inc.. Excerpted by permission.
All rights reserved. No part of this excerpt may be reproduced or reprinted without permission in writing from the publisher.
Excerpts are provided by Dial-A-Book Inc. solely for the personal use of visitors to this web site.

Table of Contents

1. Grandpa and Abigail

2. A Giant in the Clubhouse

3. Fixing the Fence

4. The Oil Didn't Stop

5. The Big Day

6. Honest in Small Matters

7. Midnight

8. Just Like Nehemiah

9. Small but Wise

10. Friends

11. How Much Is in the Jars?

12. The Secret Discovered

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