The Christian Declaration of Financial Independence


To encourage people to better understand and appreciate the principles of Christian financial stewardship as set out in the article and sections below.

Article I

We Christians hereby agree to the following:

Section 1. We recognize that God is the Creator and Owner of all things. We promise to be the best possible “stewards” of all that God entrusts to us throughout our lives – including our personal relationship with Jesus Christ, our spiritual growth, our family life, our relationships with others, and our finances.

Section 2. We will show our love and appreciation to God for the sacrifice of Jesus Christ on the cross when He bore our sins so that we may have eternal life by accepting God’s mercy and grace. We will tithe (goal: 10% or more) to help others not only with our money but also with our time and talent.

Section 3. We help God secure our future by saving and investing. We’ll start saving right away. We will initially save at least $1,000 for an “emergency fund” deposited in a secure liquidity account. Next we save 3-9 months of living expenses for our “emergency fund”. In addition to our “emergency fund” we will save and invest for the future (target – at least 10%).

Section 4. We take care of our finances by tracking each account and investing money where it grows.

Section 5. We invest for the long term. Financial futures trading is based on patience, time and hard work. We will avoid speculative investments and investments that are too risky.

Section 6. We pay our “fair share” of taxes. While paying our “fair share” of taxes, we will employ tax strategies that minimize our tax burden. We will focus on investments that are taxed less than the top tax rate, which is “earned income” – such as B. a paycheck. We use “portfolio income” — like stocks, mutual funds, and bonds, which is taxed less than “earned income.” We’ll focus on “passive income” – investments like real estate, which represent the least taxed income.

Section 7. We will use our house as a savings account. Our homes provide shelter and help build justice for our future. We save for a large down payment – at least 20% or more – when we buy a home. We will buy a house that is affordable for our budget. We will repay the mortgage loan as soon as possible. We will take good care of our home instead of spending it on perishables.

Section 8. We will live within our means. We will spend less than we earn. We will be content and grateful for the resources we currently have. We will endeavor to pay for purchases debt-free.

Section 9. We Protect Our Credit. We will pay our bills on time.

Section 10. We avoid debt whenever possible. We only borrow money when necessary and only in amounts that we can easily repay. We will know the cost of borrowing before agreeing to any debt repayment. We’ll add the cost of the rental to the original purchase price and ask if it’s worth the total cost to buy. We borrow the smallest amount of money possible, at the lowest possible interest rate and for the shortest possible time.

Section 11. We will destroy credit cards if we do not pay the balances in full each month to avoid additional financing costs. If you are currently spending more than you make, we will immediately stop incurring additional debt and work on a debt cancellation plan.

Section 12. We will not confuse our “self worth” with our “net worth”. Whether you are poor, middle class, or a billionaire, Jesus Christ died for your sins so that you may have eternal life. You are of infinite value to God. God wants you to be a good steward of His resources; However, you will not take money to heaven with you. Your relationship with God and others is more important than money.

We mutually subscribe to these declarations with firm trust in the protection of divine providence.


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