 Good morning, everyone. Welcome to our life skill classes on BC 315 even before we could begin with our session. Can I request one of us to please lead us in prayer? Am I audible, madam? Yes, you are. Thank you. Okay, so let's pray. Heavenly Father, we thank you for this beautiful day and beautiful time God. This morning, Father God, we just to praise you, just to worship you, Father God. Just to come to you, Father God, to learn about life skill, Father God. And this time, Father God, as we are going to learn, Father God, we submit, pass the dana to your mighty hand God. And Father God, as he is speaking, Father God, the words will be Lord Jesus, come into our heart, come into our mind, in the life's Father God, so that we will learn and through that we can equip ourselves, Father God, and help us to be skillful and mindful, Father God. Thank you. We submit all the students to your mighty hand and everything Lord Jesus. In Jesus' name, we pray. Amen. Amen. Amen. Amen. Thank you so much. Just give me a minute before I could share the slide. Madam, you are muted. Okay, thanks Avni. I haven't muted. Okay. Okay, today we're going to discuss on money management. Okay, yeah. So what is money management? Do you think it is important? Do you think it is one of the skill that we need to learn to acquire that class? Do you think it is important for us to learn how to manage our money or do you think it is one of the skill that we need to acquire? Yes, madam. It is so important. The patient says it is very important to manage our money. How about others? Okay, there are some chat here. Let me... Avni says, yes, in every aspect money is involved, so it is very important. Okay. Others, what do you think money is important? What does the scripture talk about money? We are called to be good stewards of this blessing that God has given us. So learning how to use it in the right ways is very, very important. Okay. Okay. Thank you. One second. Madam, we cannot hear you. Yes. Okay. So money is a blessing as we see that, you know, the scripture also says money is a blessing and the scripture says that I am the Lord who teaches you how to profit. In Isaiah 48, 17, it says that, yeah, it says that the Lord your Redeemer, the Holy One of Israel, that I am the Lord your God who teaches you to profit, who leads you by the way you should go. The scripture also says that I am the Lord who gives you the promotion. The promotion comes from the Lord. So we see that the Lord loves us to be blessed. He blesses us to be a blessing. You know, these are the words that God says that, you know, I have raised you to be a blessing. You are a blessing. So when do you think that money is a root cause of all evil? Some people in the ministry, they don't talk about money because the scripture says money is the root of all evil. The love of money is the root of all evil. Yes. Thanks Rupa. The love for money is the root of all evil. So when is it wrong? Like when we say love for money, can you share some examples or share some illustration? Like what does the scripture mean by saying love for money? When money becomes the, it takes the first place in our heart. We put ourselves into a lot of compromises to earn more money, become rich. And Jesus warned that it is difficult for a rich man to pass through, to enter the kingdom and see for a camel to pass through the eye of a needle. He doesn't mean that money is wrong, but he said when you run after it and you pursue it for getting everything else and it takes place of God in your life probably. Yes. Thanks Avni for sharing that. You just shared it to the point. Thanks. That's right. When money takes a place of God, when money replaces God. And in every area and everything that we do, when we have a thought in our mind saying like what's in it for me? The scripture says I have blessed you for you to be a blessing. If God has blessed us with finances, God is expecting that. He has put that in the hand to be a good steward for us to be a blessing to others. But then if we acquire to ourselves, then that's something wrong. There's no outflow. So we need to see to it that God has blessed us with certain blessing is for us to be a blessing. And now in this term, we're going to see how to manage the money that God has blessed us with and how we can manage that. So financial management, finance management is very, very important. Managing money is very important. It is a blessing from God himself. So let's look into that. So financial literacy is defined as the ability to understand and use various financial skills. These include being able to manage our money and carry out budgeting and make investments. So some figures from the World Bank suggest that only one in three people, imagine one in three people around the world are financially literate. So the figures are far worse for women or poor people and those who are lower levels of education. So what's more is very much not only a problem here in the developing countries, but we see in America that 57% are considered to be financially literate. And how about others? This seems to be a problem. The people who are not financially literate tend to incur higher charges for loan and run up bigger debts. So meanwhile, we also see people who are better at financial planning tend to have more savings for their retirement and they are able to think better or able to manage their finance in a better way by investing in certain assets so that they can manage the risk. So in today's session, money management, we aim to help us to acquire the essential skill that is needed for us to understand finance and manage our money better or effectively. So being able to manage money is something people are taught and learn. Not something they are innately good at. It is an unfortunate fact of life, but a great many people or majority of us don't know how to manage their money well, even during good times. So we see in the present century, the 21st century and will continue to demand many of the same as well as some very different approaches to manage finance. So first we will look into the budget. How to do budgeting? The solid budget is the first step in gaining control of our finances. So budget is an estimate of our income and expense over a certain time period. So depending on their revenue cycles, most people build a bi-weekly or monthly budget. So managing our money well in the 21st century requires a good budgeting skill. Why? Why do you think it requires a skill for us to manage our budget, a monthly budget? Class, I open it to anyone in the class. You all can just unmute and answer. Why do you think that we need this skill to manage a monthly budget? To handle the finances in the right way. So that a monthly income and a monthly expense is balanced or we make a point that we set aside some savings or we make sure that the expense do not exceed a monthly income. So budgeting will help us to have a control on our expense. So we can begin by using our, you know, using our simple Excel to make a monthly budget. We have various resources to tally and manage a monthly budget on online as well. So we need to learn about our spending. How we need to balance our spending? Tally depends on our income and then how much we spend. So when our budget planning is very important because it enables us, it helps us to look at the things that are not necessarily needed. So how do you know it is not necessarily needed? When we review a budget of the previous months, for example, when you take a plus three months budget and you see the expense that you acquired and what was actually needed. What was actually was just an excess that was actually just a want and not a need. So if we can look into our budget and cut down on certain expenses, then that may help us to manage a finances better each month. It will give us a control over a budget. So we will, you know, we can, we will only spend all the things that we needed and we can save some things for the rainy day or a time that is much needed. So we can examine that through a bank statement or the credit card statement when you take, take a look at it for the last three months or six months. You see how you can bring down the budget. So when you can bring down the budget, you can avoid, we can avoid or we can plan in advance well for the next year. For example, if we have parents in this class, like we need to plan ahead with related to the school fees. We don't have to take a school loan to pay the fees and have, you know, a monthly recurring amount which goes on to the loan. Instead, if you save up on each month, that will help you to pay your school fees and also your monthly expenses. If you cut down on your credit card purchases, then the recurring payment would gradually reduce towards your credit card payment. And also we can take a look similar way. We can take a look at the mortgages, the auto payments and other seasonal cost. So when we find ourselves spending money that we don't have, we don't have to, we don't need in that month. And if you can cut down the cost, you see the savings would go much bigger. And also we can spend less on the clothing or canceling the subscriptions that is not needed and only purchase what we really need. By identifying that can fix all our unhealthy spending pattern by paying close attention to our budget. So with that, we can look at how we can work towards ambitious financial goals. While keeping our budget in place and establishing few of the financial objectives that could offer us few direction. For example, if you have a goal to buy a house or you set a goal to pay off your debts or you set a goal to retire someday. We need certain savings to handle these goals or to accomplish to reach these goals. So what we need to do from now onwards, we should start planning. We need to have a strategy. We should start making effort on how to improve our money management abilities and make such items of reality in the future. So many people have written off by reaching major financial milestones in their lifetime. How? They have made certain plans. They had developed certain strategies. So how did they do that? If they set a goal to buy a house to clear a debt or to have savings for the retirement, so they have certain amount in their mind. So based on that amount, they develop a strategy. How much can I save each month? Small goal. A big one is, you know, they break it down to monthly. So monthly, how much can we save or can we invest in the mutual funds or any other area like insurance, mutual funds or I'm not too sure about the trading market. Okay, so because that is a little risky. Yeah, so I'm not too sure about that. I leave it to you guys. But then what we can be assured of is, yeah, other investments or you all can just unmute and share what can be some of the investments that we can invest for a long time goal. Anyone from the class, one can be mutual funds, one can be insurance. Is there any other way that we could invest on that would give us a written for to plan on a long time goal like buying a house or planning for your retirement or clearing your debts for a future. Investing on gold. Okay. Anyone else? Real estate. Okay. Anyone else? Okay, SIP, small investment plan. It can be in your mutual funds. Yeah, that will help us every month when you put in some amount that amount will start to grow. Yes. Anyone else? Okay. Fix deposit. Okay, insurance. Okay. You can invest on yourself to upgrade your skill that can also increase the financial aid. That's beautiful. Thank you. Thank you, Sri Kumar. Yes, invest on a learning skills, which is also an investment. Okay. Next, anyone else? Purchase of, yes, children's education. Good. Okay, so the classes are aware on what are the various term that one could invest on to plan their long term goals to reach their long term goals. So the first step would be to open a savings account that we could start to save for a down payment on purchasing a house or contributing to a pension to prepare for retirement might result in a significant payout later in a life. So similarly, when we start saving in a small way and aiming it to pay off, our debt might help us achieve our major goals. So when we have a debt, at the same time, you have a goal. So what is the best thing to do? Can anyone in the class share? Is it good for us to clear our debt or reach our goal first, like buying a house, saving up for your retirement, keep the debt aside, pending? Or is it good for us to clear our debts and then focus or concentrate on these long term goals? Clear our debts, ma'am. Yes. And also, we have to first clear what we owe before we plan anything. Yes, yes. Thanks Rupa for sharing that. Very right. The scripture says do not hold on to any kind of debt even for a night or do not hold on to the wages of a person for a night. So when we talk about debt, it's a big debt that we would have acquired for any kind of purpose. Okay. But it is very good thing for us to clear our debts because in Deuteronomy 28 it says you will be a lender not a borrower. So God wants his children to be out of debt. So what we need to do? We need to aggressively see to it that we clear our debts first. Because goals and our, you know, goals can increase. Needs will definitely increase. Wants will definitely increase. But what we need to focus more is on clear your debts. Clear your debt so that you can pay off so that you will avoid on cutting down on the interest rate. The more you delay on paying off, the more it will, the amount will just increase or shoot high because the finance management, this is how it works. They add interest to an interest. Every delay in payment or every late payment will have certain charges. And remember the interest will be charged on the actual amount, on the capital amount, plus on the late payment charges. That's when it gives you a big picture. So to avoid that, it is good for us to aggressively clear your debts. And then focus on reaching your goals first. So that would be a blessing and God is a God who will help us to clear our debts. When we pray, you will, you will teach us how to manage our finances well and also he helps us to profit in the work that we do. So how to manage a personal finance. So we'll go over some of the basic of how to succeed in personal financial management in the times that we are living in today. So the first thing that we can look at is look at is what does personal financial management involves. So at a very basic level, the personal financial management simply means gaining an understanding of a financial situation in order to make the most of our assets in day to day life and in planning for our future. So one thing for us to keep in mind is that assets might equate to more or less depending on where we live. And based on the cost of living. So the cost of living is basically the amount of money necessary to cover the basic living expense. Such as it could be food, housing, commuting and even it can be towards a health care. So seeing as how the family home we live in or the health saving account that we fund regularly fall under a basic living expense or the cost of living becomes significantly more important to us. So it all depends on the place where we stay on the city or state, the place where we live in. So, but to many, all this really means is that you should watch what you spend and save what you're able to even if it is small amount, it will go long way later. So to gain more appropriate basic understanding for all on financial success, I thought we will discuss on the 10 reasons why financial planning is more important. So one is our income. One is our income. So we need to analyze our income to know how much that we have to put towards basic expense towards different areas that are, that's why we plan our budget. What are the areas that we need to spend on monthly basis? So we will have an idea when we plan a budget and we need to see a cash flow. The second is the cash flow, how managing spending and planning ahead to make the most of our income. And the third we look at is capital. So having this leftover cash as a result of managing the cash flow. The fourth we see it has a family security. So we need to understand the need to address providing for and keeping a family safe. How we can invest in the insurance or any other means. Like we can also invest on the educational funds so that we don't have to struggle and a family is secured during the time of basic needs. The fifth point I would like to make sure to look into is the investment, very important. Investment can be small or big depending on what we earn. But we need to make a point to invest even if it is a small amount. So making a plan to help the money grow, the small investment to grow over time is all depends on how much we can invest every month into any of the area. It can be an insurance, it can be a mutual funds, it can be in any kind of SIPs where recurrently monthly you put your small savings into and expect that money to grow on a longer run. It can also be investing on some of the share trades on a longer basis. I'm not talking about the intraday that is the daily trading where most of them say that it is the big loss to invest on intraday trading. But then on a long investment, on a long time we can invest money on. The sixth point I would like to discuss here is standard of living. Standard of living, guaranteeing the most possible comfort due to prudent financial planning. See what is the need and what is your want. And based on that, you have a good, you can plan a good standard of living. Now the seventh point I would like to share here is financial understanding. It's very important for us to understand our budget. So making use of our own decisions and result to better understand what works in a finance management plan, what works for us in a budget. We need to look into it, understand. So how do you understand and look into it? Yes, take a list of your budget for last three months or six months. When you review them month by month, you would know where you spent extra. What was your need and what was just a want. And what are the things that you can just skip off a stop investing on. And that way we can manage a finance better and start saving that small amount into your put that amount into your savings so that your money can grow. The eighth point I would like to address here is assets. Acquiring valuable assets or investing on them with low risk and limited liability will help us on a long term. We had some of us share in the class investing on the real estate investing on the gold. It can be small amount but investing on them on a long time you see you're acquiring the sets at the time of emergency. Those assets will come in need. So it is very important for us to acquire assets. Savings having emergency cash on hand or stored in a high liquidity investment is very important. Very important emergency cash. Keep aside according to what you feel would be enough as an emergency need for an emergency need so that we don't have to look out for something else. And the tenth one is ongoing advice. We need to establish a relationship with a financial planning expert. Set our self strong and set the self strong in decision making towards financial planning. So we need sometimes you know if we are not able to plan or decide on certain things. It is always good for us to take help from somebody who's expert in financial planning so that we can plan our budget well and see to it how we can grow in the finance that is assigned to us. So some of these ideas would involve the same specific types of financial management or managing money. So the important is we need to take step. There's a lot of resource available online. There are a lot of books available online. We have many CAs around us. But what is needed here is we need to take that first initiative to step out and seek for some kind of financial advice and then start planning accordingly. Let's not keep aside these things. My savings are very small. So what will I do with that? Just like the guy who came to Jesus when Jesus gave each one, he illustrated like he gave each one a certain talent amount, right? One five, one ten and for the other one, each one multiplied it in their own way. But the guy who received one talent just buried it in the ground, but he was questioned for doing that very hard instead of investing them in a bank. So it does not depend how much or how little our saving that we could be left out with a small amount of saving. But what I encourage each one of us in the classes invest that amount into something. Now there's a simple saving accounts that's come up. There are many agencies in India like CAM or mutual funds or SIPs. There are many where you can invest that small amount in SIP and we can expect even that small amount to grow eventually in time. So what is recommended that what is increased in this class is no matter how big or how small your amount is, keep it for the rainy day. Keep it, put it into the savings and look into your budget, cut down on the unnecessary expenses that takes off your time, your money. When we cut down and you see you can increase your saving and put that saving amount into some kind of investment plan where you will make your money grow. Okay, even without your working for it, you make sure that your money grows while you concentrate on your ministry, while you concentrate on your business, while you concentrate on your work. The other side, the small amount that you put towards the saving or investment, we allow it to grow. So with that, we end this class and I will open it for a class to just unmute and share what are the different ways that we could manage money and save. So class, please go ahead. I'm sure most of y'all are in workplace, businesses. So I would request you all what worked well. If you can just unmute and share what worked well, what are the different ways that one can manage money and save for a better future. Please go ahead, open up to the class. Anyone from the class, Rupa, Avni, Shrikumar, please go ahead Prabhakar, please unmute and share your thoughts, share your views. How we can save or plan our finances well. Yes, Pastor. Actually, it depends on the amount of income we are generating per month. One of the things, because Warren Buffett, one of the greatest investors said once, most of the people save whatever is left after spending, but he says you fix the amount first, how much you want to save and then spend the remaining one. So that was his key for financial planning in saving. So he created wealth by fixing its spending amount and saving most of his capital in the area of investment or stocks, purchases of lands or whatever things. So it created his wealth. But in some scenarios, like it differs from person to person, how much he's earning and how many members dependent on him and how well, like, how much his monthly expenditures revolves around. So sometimes it might not be possible all the time to fix our saving plan and maximize the saving and minimize the cost of expenditure. Because as the inflation rate increases, the costing of products and services also increases sometimes. So yeah, so we need to be flexible between those things. So if we focus on more on saving and less on spending, then automatically we can save more for our future. That's my first question. Thank you Prabhakar. That was well shared. Thank you for sharing that input. Yes, I see Sehi had been raised. Yes Sehi, please go ahead. You can unmute. Thank you Ponsu. So how can we manage our finances? Number one, I think it's important to track where we're spending our money. It will surprise us related things that take our money, that could actually be saved up. For instance, some people could always be buying coffee every morning on their way to work. Whereas just making a coffee at home would save you a lot of money. Some people buying lunch or breakfast on their way to work. Whereas just actually cooking your meals would save a lot. So looking for all those holes that take your money, I think is important. And then number two, you're not disciplined to put out money for saving. It's best to automate your savings in the sense that you could agree with the bank or on your e-platform. There could be a certain percentage that always taking out wants your pay. So that way you're not how I put it. It's not on you if you're not disciplined to take out money. It's just automatically being taken away and put into an account that you can't touch. So that would be a good way. Another thing again is people should learn to pay themselves. When I mean pay themselves, in other words, after you have given your time or your offerings, you have taken all that. It's important that money is set aside for the future because while we work, this is the active type of our lives. A time will come when we would have to leave the job market and we would have to be on our own. All that we have earned in the active years of our life is what we would be using in that time when we're all retired. So it's important that we take that seriously in ensuring that we pay ourselves, we pay ourselves for the future. We pay ourselves and not spend all that we get or all that we have paid from our love. So just a few points on that. Very helpful. Say thank you so much for sharing. Yes, we learn to be disciplined. Discipline is very much needed when it comes to saving. Yes, from what Prabhakar shared towards what he said is something very important that we need to do is when we set a recurring into our account. So we don't have to set aside the money. But then if you set something recurring that gets cut down from your bank automatically through the E platform. So there is a continuous saving that is happening from your monthly salary, from your monthly income. There's a amount that gets automatically cut goes towards your saving account, which you will not be touching it. Yeah, that is one of the way that we could plan our savings for our future. Thank you Prabhakar. Thank you. So in that way, whatever is the balance left is what we will be planning a monthly budget on. So that we have a discipline towards saving. Anyone else? Can I pass? Yes, please. I just want to just share some few ideas. I believe that, you know, that saving is a discipline which we have to make at least a 10% of our saving as we are giving our 10% as a type. The same way the 10% minimum we should have a discipline of saving. And second thing, I also believe that it's not only saving, but we should also learn how to increase that money. It's like, you know, as long as it is saving, it is there only. But also we have to learn, like as you said about the financial literacy part. So we should also learn that because nowadays the things are so advanced. So there are so many opportunities, so many platforms are there. So we should also learn that how to increase that wealth which we are saved. So that at the time of retirement, you know, if you want to give something to your grandchildren or children. So you should have sufficient in your hands. Thank you. Thank you. Thank you for sharing that. It is very important for us to save that we can, you know, be a blessing to our children and grandchildren. Isn't it? That's what in the book of Isaiah it says a God is a God who blesses us and he makes us a blessing where we'll be a blessing to our children and to our grandchildren. Thank you so much for bringing that to my notice. Yes. Yes. That is a God. You know, he will enable us when we pray and when we seek for strategies. He will enable us to plan the wealth to acquire and make it a blessing to our generation to come. Yes. Thanks. Yeah, but then that should not become a priority in our task. Right. Yeah, that's when Rupa was sharing the love of money will turn into a root of all evil. It should not be a main focus, but whatever the little savings that we tend to save when we do it in the right way that pleases God. A God is a God who blesses that and he can multiply that where that small saving in turn can be a blessing to your generation to come. Okay. We need to believe in that and do things that pleases God. Thank you. Kumar. Anyone else? We have seven minutes left. If there's any one would like to share. Please go ahead. There's so much learning in our class when we open it up. Kennedy, Avni Rupa. Anyone from a class. Siddhant. Abhinash. Yes, brother Christopher, please unmute and you can go ahead. Yes, so first I think the parable of the, the talents that comes to mind. And it's where, you know, we have received, we receive the, you know, talents. And in the sense, you know, and we receive, you know, we have, we get monetary, you know, compensated for what we do, how we invest it. And, you know, what is, what is the best way to do it. So that, you know, it multiplies. So that means, you know, you know, maybe buried in the ground. So that's, that's what comes to mind. We cannot just keep it, you know, in the locker in the house, but we have to invest it and have it multiplied. So in the case of the talents, one person got five and he made it 10 and one person got two and he got four. And third one just went in buried in the ground. And I think the same way, you know, and we have, when we earn money and we have some savings, we have to be able to invest it rather than just keep it, you know, in the ground. Yeah, so just thought I'd mention that. Thank you. Thank you, brother Christopher. It's very important to save. I was mute. Okay. Thank you so much. So anyone else in our class would like to unmute and share. Tarun Subajit, I know you have a lot of experience in finances. Tarun, would you like to share or Subajit anyone? So can I share them? Yes, please. Just an honest confession. I'm not into too much of financial planning because my husband takes over that and he does it his way. But one example that I would like to share like my life experiences like we were two years married and my husband was working alone, but we were paying a huge rent in the house. So we both were like every month feeling like around 45% of our salary would go in the rent. So we just thought why not invest in a house of our own where you know we can pay the same amount as an EMI. So we started searching and not provided us that amount and we could you know in the second third year of our marriage we bought a small house to bedroom house. Of course it was a tough time because we were far away from office and there was commutation problems with my husband but he took it very positively and he took the challenge and somehow then we bought this house and we were happy about it. And still with us God has increased the you know blessing we've lived in that house for years and years and seen good days there. So I only know that we just thought this one thought instead of you know giving a rent and we are getting nothing back out of it. So we just a little more invest and we buy a house and if we pay the EMI and then we made sure that we completed the loan amount much earlier than the due time as and when we used to get money and we got it free from EMI's and debt much earlier. And really we had experienced the blessings of God because there were times when even there was a time when my husband did not have a job. So we those overheads were you know much controlled because we didn't have to pay huge rents and you know many other things that we needed were sorted out because we were in our own house which was debt free and we did not have the burden of EMI on and we could go through it. So this is what I remember about my own life so I just wanted to share this as an example how Lord led us to do that in such an young age early age we thought of it and God blessed us. Thank you so much ma'am. Thanks Avni for sharing that wonderful experience actually that makes a lot of sense isn't it. We can pay the same amount what we pay for rent through EMI and at the end of the day you get that property for your own and the scripture also says it's the Lord is the one who blesses you with house. You know He is the one who gives you a place to stay is the shelter. So that's really nice as she was sharing. I was just remember of this one proverb it says big door opens on small hinges. So in the same way a big door swings on much small hinges. So what is the very important here is the choices and the decision one makes in life which can produce in turn much larger outcome. So the choice that Avni made back then you know from staying in a rented flat it may be a much bigger flat that you would stay. But then she looked at the rent 45% of her income is going towards the rent which in turn she gets nothing no profit. The profit is just the luxury stay that you get. But then she was ready to compromise on that and go more more off to a 2BHK where at the end of the day you're getting that property for your own. So the small choice the decisions that we make on a larger run results may be good. Thank you so much Avni for sharing this. I'm sure it'll be a blessing to many of us in the class and later who listen to it. Anyone else I saw some of these hand but raised. Is there anyone would like to share. Yes. So please go ahead. That would be the last person after which we will close with a word of breath. Yes, please. I'm sorry I didn't respond at that time. So I always have followed a simple example biblical example of giving tight sense thing honest to people and God. And whenever it comes to financial planning it's a bit difficult thing for me because but ma'am I have seen that I haven't done much planning in every in this area. I never do that. I simply stick to giving tights and offerings and staying honest to people with sometime becomes very hard to do staying honest to God and people like sometime when we by doing some extra project work if we get some money it becomes very if it is a big amount being offering of that money sometime becomes very tough for me because because the flesh doesn't want to do that. But simply following these examples I have seen great blessing in my life and even in our ministry also we have a small ministry. But even in our ministry we follow this example of giving and simply by giving to other helping other ministries other churches we have seen a lot of blessing we have never been in depth and never been any kind of blackness. That's the only financial planning I can do. Thanks for sharing last but not least I feel that's the very important thing that's what we read in Malachi chapter 3 verse 10 which says bring the whole type into the storehouse that they may be food in my house. And only in this area we see God telling us test me in this. You know he says test me in this says the Lord Almighty and see if I will not throw open the floodgates of heaven and pour out so much blessing that they will not be room enough to store it. If God says test me you know many times we'll have an idea hey listen why are you putting such a big amount into time there are other people who will be fighting instead give that type to some other ministry leaders or give it to somewhere else. But here that should be an offering. But what the Lord says the first fruit of your income bring it to the Lord. Give that type to the house of the Lord when we do that on a regular basis we see the Lord keeps his word of what he has promised you are saying he will throw open the floodgates of heaven. And he will bless us in such a way that we do not have enough room to store it. You see this you know I just remember this parable of feeding the 5000 or later even the 7000 there was no time that God provided enough just exactly enough you needed to feed 5000 year I have provided 5000. No the parable that no does not say so or for 7000 exactly 7000 no it says I have provided just like efficient 320 exceedingly abundantly above and beyond what one could think imagine or even ask for. That is how our God is he blesses us beyond what we can. One thing we need to remember as we talk about money finance. And also investing on skills somebody said we need to remember the wisdom comes from God for each of us. As we see in Isaiah 48 17 or Deuteronomy 8 18 in Isaiah 48 17 he says the Lord is the one who teaches us to profit. You see the wisdom comes from God and also in Deuteronomy 8 18 he says he gives the power for us to get wealth so everything comes from God. So whatever we give to God that 10% is not from our money or our income but what gives us we are just giving it what he has given us or we are giving to God what he has blessed us with. So there's nothing that we could take credit for but in every area like the scripture says we need to pay our gratitude we need to be thankful to God for every blessing that he is blessing us with. And I feel when we have that heart of gratitude that in turn will be a channel of blessing that itself is a key to open the blessing to receive from God. So with that we will end the session and end the class with a word of prayer. Father we come into your presence with heart of thanks and praise. Thank you for the session week after week Lord where you are instilling as you are developing us with new skills that is needed in our life in our ministry at our workplace at our business. Lord we pray that Lord you will bless us and increases in your wisdom knowledge and understanding that we may do the things that may be pleasing to your father. Lord I lift up each and each of us in this class and the students who join us on e-learning and later who watches the sessions. Lord I pray that Father you will bless each one of them to be a channel of your blessing. You thank you Lord that you have called each of us to be a blessing in turn to many of Father. Thank you Lord Jesus. Thank you for your hand upon each one of us. Thank you that you have increased us in your wisdom knowledge and understanding. We thank you Lord in Jesus most precious name we pray Amen. Amen. Thank you. Thank you so much for joining in today's session. God bless you all next week. God bless. Thank you. Thank you ma'am. Thank you.