Frugal: economical in use or expenditure; prudently saving or sparing; not wasteful

Proverbs 14:23
All hard work brings a profit, but mere talk leads only to poverty.

Proverbs 21:17
He who loves pleasure will become poor; whoever loves wine and oil will never be rich.

Proverbs 21:20
In the house of the wise are stores of choice food and oil, but a foolish man devours all he has.

Proverbs 31:13,17
13 She selects wool and flax and works with eager hands.
17 She sets about her work vigorously; her arms are strong for her tasks.

- What do you learn from these verses about being frugal?

Generous: liberal in giving or sharing; unselfish

Psalm 112:5
Good will come to him who is generous and lends freely, who conducts his affairs with justice.

Proverbs 11:25
A generous man will prosper; he who refreshes others will himself be refreshed.

Proverbs 31:20
She opens her arms to the poor and extends her hands to the needy.

- What do you learn from these verses about being generous?

Circle the answer that best fits you!

1. To manage my money, I
1) Budget and stick to it
2) Very conscious of money
3) focus on enjoying it 4) spend as I see fit now and not worry about tomorrow

2. When I go out to eat, I
1)Try to be frugal
2) See the price first before entering the restaurant
3) Look for what I like and order without seeing the cost
4) enjoy food & take leftovers home

3. To describe my shopping…
1)I make a shopping list and stick to it
2)I only buy when it is a necessity
3) I don't use a list, I love the experience
4) I see something I like, I buy

4. What I value the most about managing money is…
1)Saving & investing
2) See how much is stored up for a rainy day
3) Giving to my family
4) Spending to give to God and others

Looking at what you circled would you consider yourself more "Frugal" or "Generous"? [1 & 2 -Frugal type, 3 & 4 - Generous type]

- What are some of your strengths as a steward?

- What are some of your weaknesses as a steward?

- How might Satan attack your steward weaknesses?

- How can God use your strengths to serve his Kingdom?

Proverbs 23:4-5
4 Do not wear yourself out to get rich; have the wisdom to show restraint.
5 Cast but a glance at riches, and they are gone, for they will surely sprout wings and fly off to the sky like an eagle.