Michel A. Bell is founder & president of Managing God's Money, former senior business executive, author, speaker, preacher. In 1985, after a 2-year journey to show his 12 year old daughter Christianity was for uneducated, feeble minded folks, he surrendered his life to Jesus. Michel is committed to propagate Christian Money Management principles to churched and unchurched folks.


Weekly Meditations


Weekly meditations provide more than Christian financial advice; we pray they inspire and point you to Messiah. Click this link to read the current meditation, or click the picture for more:


Christian Financial Advice Today

The Bible doesn't forbid borrowing: it states clearly, if you borrow, repay (Psalm 37:21). So, don't declare bankruptcy to avoid your responsibility. Repayment might seem impossible, still, don't renege on your obligations. Do what's right, not what's easy (Romans 13:6-8)! You will bear consequences; but that can be part of your growth in Messiah.


Christian Financial Advice: Can You Afford Your Lifestyle? Affordability remains unimportant in the spending decision: we must resurrect it! What does it mean? More than the popular view of ability to meet a few monthly payments. It’s looking at the proposed commitment, and being reasonably confident of meeting all commitments (consumer goods) from today’s projected cash flow with no extra debt. If you expect additional funds, exclude them from the spending decision. ... more

Christian Financial Advice: Children


Christian Financial Planning: Tool Kit


Christian Financial Planning Budget Debt Calculator



Michel's TV Appearances


Michel's TV appearances and commentaries cover a range of topics that provide Christian financial advice and help. View our recent interview on 100 Huntley Street, Full Circle.


Michel's Pubished & Online Articles


Regularly, we add selected published and online articles here: Globalization; We Don't Get It!


Quarterly Letters


By month's end following a quarter, we upload our Quarterly Letters containing Christian financial advice and Christian advice on time management issues: Summer 2010


 Christian Financial Advice, Christian Financial Planning, Christian Financial Help Untitled 1
Christian Financial Advice - Christian Financial Help
Christian Financial Planning

Who We Are

Welcome to Managing God's Money! We are a private, Christ-centered mission devoted to teaching individuals, couples, and groups to use money, time, talents, and other resources, for God’s glory and to further His Kingdom. We are not a charity, do not represent financial companies or sell their products; we do not seek funding, or charge fees for our services.


Christian Financial Advice

Managing God's Money's goal is to provide free advice from a Christian viewpoint, which we call Christian Financial Advice. Christian financial advice means presenting suggestions according to Bible principles. Christian financial advice is more than quoting a few verses and sending folks away. Christian financial advice tries to look at each situation through Messiah's eyes--remembering always His words in Matthew 16:26: What good will it be for a man if he gains the whole world, yet forfeits his soul?"


Christian Financial Planning

We believe in planning, which we refer to as Christian financial planning. Christian financial planning has the GAS Principle as its foundation. Christian financial planning is holistic; its about lifestyle choices. Christian financial planning highlights a major problem people face when dealing with finances: They try to manage money, though money management is a misnomer! We believe and teach you can't manage money by refinancing, debt consolidation, bankruptcy, or other tools. These acts don't address the real issue: your behaviour! When we refer to managing money we mean lifestyle management built on Christian financial planning.


Christian Financial Planning In Action

Some folks tell us: if God is in control, why should we plan? Why should your 10 year old do anything--plan, go to school-- while living at home? In the same way, we expect them to live their lives according to our guidelines, so too, our Messiah Jesus wants us to live according to His blueprint, the Bible; but we don't have to! We believe in Christian financial planning: surrendering all to Messiah and asking Him to direct our path. Christian financial planning does not present our wishes to God, trying to change Him to our ways. Christian financial planning seeks first to know God's goals--where He is active in our lives-- and then, looks at ways to adjust our lives to His goals. That's why we stress lifestyle management. At no cost to you, we are pleased to assist you when you contact us about Christian financial planning matters, such as budgeting, goal setting, and becoming debt free.


Repay Debt Or Invest Available Funds?

Folks must decide with or without Christian financial planning experts, how to use funds wisely. Do you use 401Ks or Registered Retirement Savings Plans (RRSPs) to repay mortgage? In Canada, your mortgage is after tax, but RRSP income is before tax... more.


Christian Financial Help

The Bible has answers to life's issues. It's a source of help; help with finances--Christian financial help. You can search the Bible, by typing a word or phrase in the appropriate section of this website to know what it teaches about money or other matter. The Bible can provide needed Christian financial help. Christian financial help is not necessarily getting more money. Christian financial help could be a reminder of your favourite bible verse. But be careful; don't lift a verse and claim it; interpret the Bible in context: paragraph, chapter, whole Bible. Reflect on these words:

Commit to the LORD whatever you do, and your plans will succeed (Proverbs 16:3).


Featured Articles

Busy Is Normal
The One Income Challenge
What are You Doing With God's 90%?

Featured Blogs

Consumer Spending Isn't The Answer
Escaping The Debt Trap
Two Housing Myths

Featured Videos

Psychology of Buying
Wise Credit Card Use
Four Healthy Financial Habits


Tithing: The Truth About Tithing

Tithing under the Mosaic Law applied to Israel alone, and to agricultural produce and livestock only, during a particular period. It dealt with Israel's social and religious arrangements at the time. Jesus' death and resurrection fulfilled the tithing law, removing the need for animal sacrifices to remove sin. Besides, Jesus replaced the temporary Aaronic office of High Priest (Hebrews 7 & 8), with a permanent priesthood (Hebrews 7:24).

The GAS Principle highlights the need to allow God to guide distribution of 100% of His funds-- rather than a tithe (10%). It reflects giving under the New Covenant (2 Corinthians 8-9), which I call keeping, a lifestyle that starts with a personal relationship with Messiah, accepts His ownership of 100% of everything, and stays close to Him to learn where He wants time, talent, and money invested, to further His Kingdom. Click this link for: TITHING: THE TRUTH ABOUT TITHING.