Day 2 Peniel20 [Unfit] Financial Fitness – Adeniran Oladele

I want you to know that when we talk about finances, we are simply talking about money and God never leave us in the dark about this…..he wants us to have money and be financially fitted. A poor and financially un-fit man cannot serve God appropriately, Zechariah 1:17 (pharaoh tased) captured this clearly that through prosperity shall God kingdom be spread abroad.An interviewer asked the world richest man at a time – John D Rockfellar…he asked sir, how much money is enough for a man.” So if I ask you tonight, how much money is enough for a man to be financially fit? I am sure we can relate with this. We want a little more and a little more and a little more. So, we always think if we can only make a little bit more, we would have been stable or fitted financially. So let me ask you this: What exactly does it mean to be financially fitted or to be financially stable? … Financial stability means different things to different people. But there is a common denominator, we want expenses covered and still have money remaining.So deducing from our responses, here Is What Being Financially Fit Looks Like✅ All basic needs met/bills paid monthly✅ Have a buffer of money left over each month after basic needs are met – this could be any amount✅ Pay off any debt you might have – student loans, credit card debt, mortgages, car loans. Any debt that is taking money away from your account each month qualifies here.✅ Save 2 – 5% of your income✅ Invest 2 – 5% of your incomeHow many of us desire to get to this level….having these five items pocketed or under our feet. All needs met, no indebtedness of any kind, have enough to save, have enough to invest and still have something left. We shall get there in Jesus Name.This will not just be a mere wish for you, It shall be the realm where we will be operating going forward.Because when you are financially stable, you feel confident with your financial situation. You don’t worry about paying your bills because you know you will have the funds. You are debt free, you have money saved for your future goals and you also have enough saved to cover emergencies.So permit me to state further that Financial stability isn’t about being rich. In fact, it isn’t a number at all. It’s more of a mindset. When you have financial stability, you don’t have to stress about money and you can focus your energy on other parts of your life. I want you to know also that financial stability is something you can achieve.Peniel 2020 - Quote Pst Ade1It won’t happen by chance, not by wishing and praying. It will take you some time and you will need to put in the work just like any goal. So, getting your finances stable and becoming financially fitted requires the development of good financial habits. So let’s look at some of the habits tonight as we receive grace to be a doer of the things we will learn.Peniel 2020 - Quote Pst Ade2

  1. HAVE A SOURCE OF EARNING- and you do this by working.

We believers often quote LUKE 6:38….give and it shall be given back unto you…..permit me to say that’s not the first thing. God’s first assignment for man was to tender the garden. Genesis 2:5. And every plant of the field before it was in the earth, and every herb of the field before it grew: for the LORD God had not caused it to rain upon the earth, and there was not a man to till the ground.. Genesis 2:15 | KJV And the LORD God took the man, and put him into the garden of Eden to dress it and to keep it.. God refuse to send rain because there was no man to tender the garden. And you will agree with me that rain also connotes blessings….so no rendering of any garden means no blessings upon man. You must have a means of livelihood. In John 5:17 JESUS said “My Father work hitherto, and I work.” Don’t tell me there is no work……job may be scarce but there is work everywhere.I have done all manner of works before getting to where I am today, I have followed petrol tanker, your desired white or blue collar job may not yet coming…but there are plenty legitimate means of making money.Hear me people of God…work is a commandment. And until you obey the command, you cannot become a commander. I had a life band. Go to all manner of churches to play instrument to make you nd meets. So to be financially stable… must work.Peniel 2020 - Quote Pst Ade3


After you have earned, learn how to give back to God. I want us to know that money is not a scientific invention; it is not a product of civilization as we were taught in Trade by Barter. Money is part and parcel of creation.Peniel 2020 - Quote Pst Ade4The word money was mentioned 26 times in Genesis, so if it has spiritual root…it can also be grown spiritually. I have heard people preaching that things will be tighter if you don’t pay tithe….that is heresy. We give not as a commandment but because we love God. The first demonstration of your love for God is in your giving – John 3:16. So give to God in appreciation that all that you got cake from him and Him alone. It’s a covenant and covenant is superior to the climate, Deuteronomy 8:18. So….when you make money…give a portion to God in Love.

  1. PAY YOURSELF, and this is talking about savings

I hope you all realized that I haven’t mention spending after earning; This should be your top priority. After paying God, make this the first bill you pay after every earning. Have a set amount automatically transferred to your savings. The truth about saving habit is a that it is a painful habit, but it is better to pay now and play later than spending all now and sufferr later. I know many of you will claim what you have is not enough. That’s not true. The problem is not about your meager earning but your indiscipline spending.


The biggest problem for many of us is impulse spending. Peniel 2020 - Quote Pst Ade5Eating out with big boy syndrome (you get to where they are selling food and you serve every babe and guys to show off), shopping and online purchases. These are big drain on your finances. Learn how to be prudent in managing your resources.


If you’ve never tracked your expenses, try the One Month Challenge. Then evaluate how you’re spending your money, and see what you can cut out or reduce. Decide if each expense is absolutely necessary, then eliminate the unnecessary.If I ask you what percentage of your earning goes into feeding, transport, airtime, etc…can you give me an accurate answer? So we must painstakingly review our finances. So you need to know the little foxes that drain your hard earned revenue. There are little little expenses that you incur in daily basis but will amount to huge amount when you sum them up at the month end, So you need to pay attention. It’s been said that big things don’t make people to fall, but little things has brought down great warriors


If you’re young, you probably don’t think about retirement much. But it’s important. Even if you think you can always plan for retirement later, do it now. The growth of your investments over time will be amazing if you start in your 20s.


. Deuteronomy 15:6 and Proverbs 22:7. Until we get to this level…we are not yet ready to be financially fitted.


This is a simple system to keep track of how much money you have for spending. Let’s say you set aside three amounts in your budget each payday — one for gas, one for groceries, one for eating out. Withdraw those amounts on payday, and put them in three separate envelopes. That way, you can easily track how much you have left for each of these expenses, and when you run out of money, you know it immediately. One of the thing I learnt from the Living Faith Church is how they handle their finances. A Commission that has so much but yet still keep track of every Naira and Kobo.So don’t think these habits are for poor people or those that are just starting life.. Every man and woman that has financial stability are men who control their spending.


The more you educate yourself, the better your finances will be. Pastor Isaac Folaji said….the number of books you have read on money matter must not be less than your age.Peniel 2020 - Quote Pst Ade6You don’t overspend in these categories. If you regularly run out too fast, you may need to rethink your budget. So if I ask you….how many books have you digested on money of financial matters?, How many seminars or training have you attended in wealth creation?. So learn more about personal finances, Learn more about investment. Learn more about additional stream of income.


Do whatever you can to improve your net worth, either by reducing your debt, increasing your savings, or increasing your income, or all of the above. Look for new ways to make money, or to get paid more for what you do. Over the course of months, if you calculate your net worth each month, you’ll see it grow. And that feels great.Let me address this common excuse from our youths as we close tonight….you often say “But I Don’t Make Enough Money” The reality is that you will never make enough money. Parkinson Law will always make your expenses to rise either in equal proportion or even above your income. So the rule should be earn, save and spend. Not earn, spend and save. The sooner you start saving, the more you will be able to save. So plan to start right now.Download the full compilation of all sessions of Peniel’20 Here.

Jesus loves you, accept Him today, tomorrow might be too late.

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