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Welcome to Refinery Life Australia.

Many people think of stewardship only in terms of offerings for some worthy cause.

The principle of stewardship applies to every area of life.

“Taking the Stew out of stewardship” is the theme for next few Sunday mornings.

Today we are talking about The Stewardship of Money.


1 Timothy 6:10 (AMP)

10 For the love of money [that is, the greedy desire for it and the willingness to gain it unethically] is a root of all sorts of evil, and some by longing for it have wandered away from the faith and pierced themselves [through and through] with many sorrows.

Scripture Reading

1 Timothy 6:9-13 (AMP)


Our Father in heaven, we pray Your blessings on the message today.

Bless us as we return Your kingdom’s cause a portion of what You have entrusted us as Your stewards.

Bless the tithes and offerings today as we lay them on Your alter.

In Jesus name we pray.



What is money?

Some say, “Money is life transmitted into currency.”

Others tell us, “Money , is a naturalised citizen of all lands and speaks all languages, and can be at work wherever the sun shines.”

Other may contend that money is “dirty stuff.”

This is confirmed by at least one Scripture that describes money as “filthy”

1 Timothy 3:8 (AMP)

8 Deacons likewise must be men worthy of respect [honorable, financially ethical, of good character], not double-tongued [speakers of half-truths], not addicted to wine, not greedy for dishonest gain,

Money comes close to ruling the world.

This, no doubt, is why Jesus revealed it as another god, which comes against the real God.

Matthew 6:24 (AMP)

24 “No one can serve two masters; for either he will hate the one and love the other, or he will be devoted to the one and despise the other. You cannot serve God and mammon [money, possessions, fame, status, or whatever is valued more than the Lord].

Another calls money “the sign and symbol of our material possessions”

I read this week, “to be normal is nothing to brag about” it then went on to say “Money, pure and simple, is the god of the average normal.

Lesser gods are for show and fake, all members of the same club.

Get the money! Is what the normal believe, and don’t worry about how you do it!

Think about it, what in life is more intimate than the money we handle?

It represents our labour, our investment of time, talent, and skill, our choice of life’s purposes.

The way we spend money represents the real desires of our hearts, the secret motives by which our lives are guided.

The stewardship of money is a Christian concern.

In 1 Timothy 6 Paul dealt with this matter and was piecing.

In verses 6-10 he showed the peril for God’s saints in the desire to be rich and said in 1 Timothy 6:6 (AMP)

6 But godliness actually is a source of great gain when accompanied by contentment [that contentment which comes from a sense of inner confidence based on the sufficiency of God].

In verses 11-16 he warned Timothy against this same peril and pointed him to faith in God as the way out.

In verses 17-19 he gave Timothy a charge to pass on to those who were already rich.

Today I want to have a look at the truths about money that are implied by our text.

  1. Money in itself is amoral

Money in itself is neither good or bad.

Our text does not say that money is “a root of all kinds of evil,” but that “the love of money is.”

It is our attitude towards and use of money that tip the scales one way or the other, toward good or evil.

Money is one of God’s gifts to us, but it is hard to possess it without considering it as our own instead of realising that we are only stewards.

In no realm is the best work ever done for the love of money, but rather for the joy of achievement and the love of God and others.

Someone may write a piece of hack music for money, but when the great hymns and gospel songs were written in passion and a flood of tears and prayer, money was forgotten.

Caiaphas might have been the high priest for pay, but the Master’s saviourhood had no such motive.

Money can do some things, for the sake of it men have sometimes done good work, often devilish work, but for the sake of it no man ever did his best work.

William Carey the Baptist minister and missionary was rebuked by his friends for giving so much time to studying and preaching, to what they felt was the neglect of his little business as a shoe cobbler.

Carey’s reply was however simple, “The gospel is my business. I only cobble shoes to pay expenses.”

2. The wrong attitude towards money is immoral.

The “love of money” is self destructive, self condemning, and harmful.

To covet it, to be greedy and ruthless in pursuit of it, to let our lust for money become the overpowering passion of our lives is morally wrong and self destructive.

In our text and its context, Paul showed us four things.

  1. To let the passion for money come first in our lives will lead us astray from the faith.

1 Timothy 6:10 (AMP)

10 For the love of money [that is, the greedy desire for it and the willingness to gain it unethically] is a root of all sorts of evil, and some by longing for it have wandered away from the faith and pierced themselves [through and through] with many sorrows.

Nothing can be more depressing or heartbreaking for a pastor than to see some person or some family who were once faithful to Christ and His church become affluent and prosperous and lose all interest.

Every pastor has seen this, and how tragic it is!

Perhaps it would not be wrong if the pastor asked some consecrated people to join him in a prayer that the income of these people might be reduced to the point that they would return to their faith.

B. To let the passions for money come first in our lives will be the means of bringing grief and sorrow on ourselves and on others.

Paul warned that as well as being led astray from the faith, those who chase after money will also pierce “themselves through with many sorrows” in 1 Timothy 6:10.

I read a story from America about a seventy seven year old man being found dead, a suicide, in a bedroom of an eighteen room mansion that had been his family’s home for eighty seven years.

This story wouldn’t be so interesting except for the fact that his father, a sister, and a brother had proceeded him in death in exactly the same way, four members of the same family in the same house.

What was the matter with this family?

This was an old and famous brewery family in a midwestern city whose “love for money” had led them to traffic in the health and misery of their fellow humans.

They had indeed pierced “themselves through with many sorrows.”

Emerson once said, “The worst thing about money is that it costs so much.”

In many instances people have paid for their fortunes with every good thing in their lives.

They ended up with money, but they had nothing else left.

C. The possession of money may lead to worldly pride.

In 1 Timothy 6:17 Paul gave Timothy a warning to pass onto those who are already “rich in this present world.”

He said, 1 Timothy 6:17 (AMP)

17 As for the rich in this present world, instruct them not to be conceited and arrogant, nor to set their hope on the uncertainty of riches, but on God, who richly and ceaselessly provides us with everything for our enjoyment.

Paul was not condemning the possession of wealth as such.

The great moral questions are how one makes money, how one uses it, and to who that person considered themselves accountable to.

Paul warned against being “high minded.”

This is false pride.

We somehow have the idea that money has the power to buy anything, that everything has its price.

But this is not true.

Money will buy a bed but not sleep, food but not appetite, nice clothes but not beauty, a house but not a home, medicine but not health, luxuries but not culture, amusement but not a Saviour, a church building but not heaven.

D. Faith in the power of the money we possess will prove to be a false faith.

Paul’s warning was not only against worldly pride but that the  believers also not “have their hope set on the uncertainty of riches, but on God, who gives us richly all things to enjoy.”

The reign of material things is only temporary at best, and at worst it can be taken from us in a night.

Think of everything you have worked for, and everything you own.

Who owns it all?

You or God?

If your answer is you, who will own it in one hundred years?

To reach old age, possessed only by money and the desire to increase it, is not success, but a sad and terrible failure.

It is better to die impoverished possessions wise than impoverished in soul.

3. The right attitude toward and the use of money is moral.

  1. This will please God and bless the world and everybody in it.

The right attitude toward money is not to love it, nor covet it, nor push and shove and cheat and kill in the effort to accumulate large sums of it.

It is right to regard money as a means, an instrument.

We should use it as a servant of God, who is the owner, and a servant of our fellow humans.

B. The right attitude toward and use of money will bless us here and now.

 In his farewell address to the Ephesian elders, Paul preserved a beatitude of our Lord’s, which otherwise would have been forgotten, Acts 20:35 (AMP)

35 In everything I showed you [by example] that by working hard in this way you must help the weak and remember the words of the Lord Jesus, that He Himself said, ‘It is more blessed [and brings greater joy] to give than to receive.’”

The whole history of revelation demonstrates this truth.

Giving, if rightly motivated, becomes an investment in eternal securities.

When we give so that others may be blessed, we recover life.

C. The right attitude toward and use of money will bless us in our children after us.

We should be giving the Lord the first and best of our earnings, then raising our children and educating them.

This is how the Lord can build His church and Christian business people, teachers, and ministers.

D. The right attitude toward and use of money will bless us in heaven.

The New Testament is very clear on this.

Jesus said in Matthew 6:19-20 (AMP)

19 “Do not store up for yourselves [material] treasures on earth, where moth and rust destroy, and where thieves break in and steal. 

20 But store up for yourselves treasures in heaven, where neither moth nor rust destroys, and where thieves do not break in and steal; 

In Jesus’ parable of the unrighteous steward in Luke 16:1-12, the steward, who was to be fired, quickly became mates with his masters debtors so they would take him in when he became unemployed.

The main verse here is Luke 16:9 (AMP)

9 And I tell you [learn from this], make friends for yourselves [for eternity] by means of the wealth of unrighteousness [that is, use material resources as a way to further the work of God], so that when it runs out, they will welcome you into the eternal dwellings.

Jesus was saying, “ Think of arriving at the “pearly gates” and being greeted by a person with a shining face saying, “Welcome, I’ve been waiting for you to come. I wanted to greet the person whose investment of money in God’s work changed my life and opened heaven for me.”

E. The right attitude and use of money will bless the work of the kingdom of God.

John Wesley had a famous sermon on stewardship that had three points.

  1. Get all you can
  2. Save all you can
  3. Give all you can

Wesley practiced what he preached when it came to the stewardship of money.

He began when he was young and his income was only thirty pounds per year, to give two pounds to the church.

When his salary rose to sixty pounds, he was still living on twenty eight pounds and giving thirty two pounds to the church.

When his salary rose to one hundred and twenty pounds, he gave ninety two pounds away.

In the course of his life, his recorded giving exceeded thirty thousand pounds.

That is over four and a half million pounds today, or nearly eight and a half million Australian dollars.


What is your attitude towards money?

How do you get money?

How do you use it?

The answers to these questions makes all the difference in the world.

Many years ago there was a revivalist, Horace Bushnell, he said, “One more revival, only one, is needed, the revival of Christian stewardship, the consecration of money power to God.

When that revival comes, the kingdom of God will come in a day.”

Horace Bushnell died in 1867, and this last great revival has not yet come.

God grant it that it may come now, and that it may begin in your heart and mine. 

Until next time

Stay in the Blessings


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I really want to encourage you to be diligent with your Bible study time, because God has so much more for us than we can get from just going to church once or twice a week and hearing someone else talk about the Word.

When you spend time with God, your life will change in amazing ways, because God is a Redeemer.

Theres nothing thats too hard for Him, and He can make you whole, spirit, soul and body!

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When it comes to prayer, we believe that God wants to meet your needs and reveal His promises to you.

So whatever you’re concerned about and need prayer for we want to be here for you! Or even if you just want to say Hi, you can contact us


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Gary Hoban

Refinery Life Church Australia


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