Personal Finance

Luke 16:9
I tell you, use worldly wealth to gain friends for yourselves, so that when it is gone, you will be welcomed into eternal dwellings
  • Greatest learning is unlearning
  • Gift is bribe if expecting favours
  • Gift is not bribe if not expecting favours
  • Only God knows the intention of the heart. That differentiates gift from bribe
Proverbs 18:16
A man's gift maketh room for him, and bringeth him before great men.
  • Gift is important but focus should be on meeting the people
  • Money is a personality
  • Only certain kind of personality will attract money.
  • Decorate your spirit which pulls money towards you.
  • Even if you earn less, if you have better personality you are able to get more money
  • You can have the right qualification and the wrong personality, it will make a failure in the field of work.
  • If someone want to be a Pastor, he has to change his personality.

Prophetic Destiny for 2024

  • People
  • Place
  • Personality

Personality of a rich man

2 Peter 1
 5 But also for this very reason, giving all diligence, add (YOU ADD) to your faith virtue, to virtue knowledge, 6 to knowledge self-control, to self-control perseverance, to perseverance godliness, 7 to godliness brotherly kindness, and to brotherly kindness love. 8 For if these things are yours (in you) and abound, you will be neither barren nor unfruitful in the knowledge of our Lord Jesus Christ. 9 For he who lacks these things is shortsighted, even to blindness, and has forgotten that he was cleansed from his old sins.
  1. Excellence
  2. Knowledge
  3. Self control
  4. Consistency
  5. Rev Fear of God
  6. Kindness
  7. Charity
  • Take the personality of a rich person and put it in you, that will make money
  • Take a personality of a Pastor and put it in you, that will make your a Pastor
  • Take a personality of a Prophet and put it in you, that will make your a Prophet
  • Personality is the only thing which stands in your way for success for 2024
  • Personality can destroy your destiny. It can take money from you.

16 Personality in the World.

2 Corinthians 5:17
Therefore, if anyone is in Christ, he is a new creation (PERSONALITY); old things have passed away; behold, all things have become new.


Virtue -> Excellence -> Quality -> Standard before perfection -> Perfection
Quality -> Standard before perfection

Excellence is the order manifested : Genesis

Daniel 6
 1 It pleased Darius to set over the kingdom an hundred and twenty princes, which should be over the whole kingdom;
 2 And over these three presidents; of whom Daniel was first: that the princes might give accounts unto them, and the king should have no damage.
 3 Then this Daniel was preferred above the presidents and princes, because an excellent spirit was in him; and the king thought to set him over the whole realm.
  • Everybody of Holy Spirit but not everyone have excellent Spirit.
  • Degree to which you allow the Holy Spirit to your spirit makes you excellent


  • Create habits.
  • Be consistent.
  • It has to be programmed in your spirit.
  • Consistency in repetition.
  • Holy Spirit mainly uses the Word. You are not giving anything to Holy Spirit to use with. Holy Spirit need a tool. Tool is the word. Give something to God to work with. Word is the Vehicle, through which Holy Spirit can access your spirit. Then Holy Spirit can make you excellent and consistent.
Hebrew 13:8
Jesus Christ is the same yesterday, and today, and for ever. 


  • Money Mondays
    • Knowledge about Money
    • Condition your spirit
  • Food Fridays
  • “Conversation Produces cash flow” in certain forum
  • People who cannot make a conversation, they can’t make money
  • Conversation determined by intelligence.
  • Less intelligence = Less Conversation = Less Money
Psalm 1:1
Blessed is the man that walketh not in the counsel of the ungodly, nor standeth in the way of sinners, nor sitteth in the seat of the scornful.
  • Converse with people only up to a limit


  • Conditioning
  • Making ready
  • David Shepherd King – 2 Personality. Groomed to be king. one will dominant
  • Dominant will protect the less dominant


  • Law of splitting – Principle of splitting
Matthew 10:16
“I am sending you out like sheep among wolves (carnivores blood sucking). Therefore be as shrewd as snakes and as innocent as doves.

When you are yielded to the holy spirit in the marketplace or in a board room or before a church. Sometime you don’t know what personality to carry in that moment, but Holy Spirit will know.

  • Snake personality
  • Dave personality
  • Yied it to Holy Spirit to identify in what Personality you should be in the moment.
  • Never become a wolf
  • There is a limit
  • You need certain amount of knowledge to be in that personality.
  • Easy way to add intelligence is by having conversation with intelligent people
  • Don’t be the wisest person in the group
  • Hang around with intelligent people
  • 1 min with intelligent person you are going to walk out wiser.

Mathematics 4 symbols of personality

  • Personality also come in this 4 categories.
  • Some people divide you, multiply, add you or subtract you.
  1. Division personality = People who Talk about another person
  2. Multiply personality = People who multiply you.
  3. Subtract personality = People who remove value
  4. Add personality = People who add value

2024, Linked more towards personality that to your prayer . In turn it will enhance prayer.

Self control

  • Money is attract to such a kind of people
  • Control appetite. It’s good to save.
  • Adultery has the power to make your poor
Proverbs 6:26
For by means of a whorish woman a man is brought to a piece of bread: and the adulteress will hunt for the precious life.
  • Brought to a piece of bread means – Bread only you get, no butter, no jam, no honey
  • If wife is busy preaching to her husband she will loose her voice in her home very soon
  • What to say and when to say.
  • Men are not wired to listen to women


  • Reverential Fear of God
  • You have to add it.

One role model who has all 7 = Jesus

  • Your mind is the door to your spirit.
  • Your spirit is what gives you personality
  • Giving your mind is starting to program your spirit.
  • Spirit does not know time. Holy Spirit and your spirit makes Jesus more relevant.

Meditate on how Jesus was = Mind will gravitate towards that thought = spirit will be programmed with the Spirit of Jesus.


  • Money comes to kind people
  • People will say one day I am going to repay you.

You will never know when you will need the additional help. People whom you tipped could be your help.

  • Even to people who haven’t added any value, give them 10 bucks.
  • Even they don’t do or do , you are unconsciously training your personality.
  • Train your personality to humble.
  • It takes conscious decision to program you to be humble.

It’s a law to have all above to be able to money, promotion, growth


  • Poor = 40%, God = 10% is irrelevant.
  • God > Poor
John 12:8
You will always have the poor among you, but you will not always have me.”
  • Heaven keeps records
Proverbs 19:17
Whoever is kind to the poor lends to the LORD, and he will reward them for what they have done.
  • But ratio matters God/Poor > 1
  • Pay God more than Gov. Thats why need 4 streams of income

Don’t go by number , but by value

Personal Development

Don’t be yourself

  • Development involves becoming another person

Development involves

  1. People – Certain people you have to meet / Attract the right people
  2. Place
  3. Plans
  4. Personality

On Growth and Building

  • Trees don’t get built. You grow trees.
  • Buildings don’t grow. Buildings get built.
  • Building our lives like buildings get built.
  • It’s not personal growth.

On Spiritual Aspects

  • You may have Spiritual Growth but can be without Spiritual Development.

On Financial Prosperity

  • Being conscious, aware. Financial Prosperity should be conscious.

On the Nature of Success

  • Success is what you are able to accomplish by whom you become, not only by what you do.
  • Many will define success by what you do.

On Personal Development and Migration

  • If migration solves your money issue, then personal development is not necessary.
Acts 17:26
 26 From one man he made all the nations, that they should inhabit the whole earth; and he marked out their appointed times in history and the boundaries of their lands.

On Destiny and God’s Plan

  • God can create destinies. Hence.
  • God’s original plan for you can change. Because He is God.
  • If the first plan fails, God can create new destinies/plans.
  • Prophesy creates new destiny for you when spoken.
  • Book with destinies all written (One book).
  • Other Book – New destiny gets written.

On Leadership and Teamwork

  • Surround yourself with better people.
  • Leading becomes better with better people (less headache, teamwork).
  • Leaders don’t become better with better people.
  • Leaders could get worse with better people.

On Success and Recognition

  • Accepted, celebrated, highlights = Success.

On Communication and Presentation

  • Plan for what you’re going to give –> Then you can plan for what you’re going to get.
  • If you dress in a certain way –> you will be addressed in a certain way.
  • You can walk into a room and say something without saying words.

On Skills and Growth

  • Learn to sing/compose – To access the angelic realm. – Book of John.
  • Capacity/Development comes into play when money is involved.

Different inheritance:

  • Spiritual Inheritance – Ministry Inheritance
  • Worldly inheritance
  • Only ministry based inheritance will have suffering.
  • No suffering for prosperity Not land, not money, People – Nations are your inheritance.
  • Jesus has to die to inherit us.
John 10:11
 “I am the good shepherd. The good shepherd lays down his life for the sheep.

In suffering, capacities increase for the people to come.


  • How you behave naturally when no one watching you
  • Old Personality -> Normal people
  • Better Personality –> Better people

YOU Have to add these personality to your life (Not God)

  • Personality takes on the form from those who influence. Personality live on words.
  • Every baby doesn’t have a personality when they were born.
  • Personality developed from life experiences

Personality = people + place + words + experience + allowed in to your human spirit + preachers you heard + church you attend

Whom you follow will make give your the personality – “Follow me, I will make you the fishers of men” – Jesus

2 Peter 1
5 But also for this very reason, giving all diligence, add (YOU ADD) to your faith virtue, to virtue knowledge, 6 to knowledge self-control, to self-control perseverance, to perseverance godliness, 7 to godliness brotherly kindness, and to brotherly kindness love. 8 For if these things are yours (in you) and abound, you will be neither barren nor unfruitful in the knowledge of our Lord Jesus Christ. 9 For he who lacks these things is shortsighted, even to blindness, and has forgotten that he was cleansed from his old sins.

Pull right people to your life.


  1. Virtue
  2. Knowledge
  3. Self Control
  4. Perseverance
  5. Godliness
  6. Brotherly Kindness
  7. Love


  1. Virtue

    Virtue -> Excellence -> Quality -> Standard before perfection -> Perfection
    Quality -> Standard before perfection
    Daniel had an excellent spirit
    Maximum Excellence = Quality
    Excellence = Order
    Perfection = high level of excellence
  2. Knowledge

    Scientific Intelligence
    Become more intelligent individual
    Add Intelligence
  3. Self Control

    Control Spirit is more powerful
  4. Perseverance

    Means Consistence
    Consistent even when down ( example ). You won’t be down anyway.
    Here it’s not mean waiting.
  5. Godliness

    Reverential fear to God
  6. Brotherly Kindness

    It makes you beautiful
    Words example: “Thank you, I appreciate you, you look good today, without you this church doesn’t look good”
    We are not kind by default because people on unkind, but we have to kind
    Gentle talk
  7. Love

    Giving personality
John 3:16
For God so loved the world that he gave his one and only Son, that whoever believes in him shall not perish but have eternal life.
Matthew 10:41 
Whoever welcomes a prophet as a prophet will receive a prophet’s reward, and whoever welcomes a righteous person as a righteous person will receive a righteous person’s reward.

Prophesy: Focus on Praising

Law, Sin, and Death: A Biblical Interplay

Law = No Faith

Law = Sin

No Faith => Sin

No Faith => Law => Sin => Death

Faith => Grace => Righteousness => Life

  1. The Law is Not of Faith
  • Verse: “And the law is not of faith: but, The man that doeth them shall live in them.” (Galatians 3:12)
  • Explanation: The law is not based on faith; it promises life to those who follow it.
  1. The Strength of Sin is the Law
  • Verse: “The sting of death is sin; and the strength of sin is the law.” (1 Corinthians 15:56)
  • Explanation: The law amplifies the power of sin, making it the “strength” behind sin’s sting.
  1. The Sting of Death is Sin
  • Verse: “O death, where is thy sting? O grave, where is thy victory? The sting of death is sin; and the strength of sin is the law.” (1 Corinthians 15:55-56)
  • Explanation: Sin is what gives death its “sting,” leading to its ultimate consequence.

The Four Signs of a Lack of Faith: A Biblical Perspective


Faith is a cornerstone of Christian life. However, there are instances where one might question the strength or even the existence of their faith. In this blog post, we will explore four signs that may indicate a lack of faith, backed by Biblical references.

1. Conforming to Worldly Views

Bible References

  • Romans 12:2: “Do not conform to the pattern of this world, but be transformed by the renewing of your mind.”
  • James 4:4: “You adulterous people, don’t you know that friendship with the world means enmity against God?”


If your views align more with worldly perspectives rather than what is outlined in the Bible, it’s a sign that you may lack faith. Conforming to the world’s standards often leads to a life that is not in harmony with God’s will.

2. Relying on Law Over Faith

Bible References

  • Galatians 3:12: “The law is not based on faith; on the contrary, it says, ‘The person who does these things will live by them.'”
  • Romans 3:28: “For we maintain that a person is justified by faith apart from the works of the law.”


If you find yourself relying solely on the law and not on the grace and faith in Jesus Christ, this is a strong indicator of a lack of faith. The law can guide us, but faith justifies us.

3. Depending on Sight Over Faith

Bible References

  • 2 Corinthians 5:7: “For we live by faith, not by sight.”
  • Hebrews 11:6: “And without faith it is impossible to please God, because anyone who comes to him must believe that he exists.”


Faith is about believing in what you cannot see. If you only believe in what you can physically see, you’re missing the essence of faith, which is trust in God’s unseen work in your life.

4. A Lack of Hope

Bible References

  • Hebrews 11:1: “Now faith is confidence in what we hope for and assurance about what we do not see.”
  • Romans 15:13: “May the God of hope fill you with all joy and peace as you trust in him.”


Hope is the foundation upon which faith is built. Without hope, you lack the “substance” or “confidence” that is essential for faith. A lack of hope often leads to despair and a weakened faith.


Recognizing these signs in your life can be the first step toward strengthening your faith. The Bible provides ample guidance on how to build and maintain a strong faith in God. By aligning your life with Biblical principles, you can cultivate a faith that withstands any challenge.

The Power of the Atonement: Understanding Christ’s Sacrifice

About various aspects of our faith—our gathering, leadership, the role of Jesus in our lives, and the essence of Christian life. Let’s dig in.

The Importance of Gathering

  • A Miracle in Europe:
    Look around you. To have you all here on a Thursday is nothing short of a miracle. As the Good Book says in Hebrews 10:25, “not giving up meeting together, as some are in the habit of doing, but encouraging one another.”

Leadership & Planning in Ministry

  • Future Plans:
    I’m excited to share that we’ve got leadership meetings and church plans for the UK coming up. As Proverbs 16:3 encourages us, “Commit to the LORD whatever you do, and he will establish your plans.”

The Importance of Preaching

  • Necessity of Certain Messages:
    There are messages that I, too, struggle with, but I must preach them. Remember 2 Timothy 4:2? “Preach the word; be prepared in season and out of season.”

Revelation of Jesus Christ

  • The Question of Identity:
    Remember that moment when Jesus asked Peter, “Who do you say I am?” Peter had a revelation. He said, “You are the Messiah, the Son of the living God” (Matthew 16:15-16). What is your revelation of Jesus?

Salvation and Belief

  • The Power of Confession: Romans 10:9 lays it down clearly. “If you declare with your mouth, ‘Jesus is Lord,’ and believe in your heart that God raised him from the dead, you will be saved.”

Eternal Life and Righteousness

  • Nature of God: We’re not just saved, we partake in the very nature of God, His righteousness and eternal life. Romans 3:22 states, “This righteousness is given through faith in Jesus Christ to all who believe.”

Wholeness in Jesus

  • Being Whole: When you come to Jesus, you don’t just get piecemeal benefits. Colossians 2:10 says, “and in Christ you have been brought to fullness.”

The Atonement

  • Meaning of “Sozo”: The Greek word “Sozo” encapsulates salvation, healing, and wholeness. 1 Peter 2:24 says, “He himself bore our sins in his body on the cross, so that we might die to sins and live for righteousness.”


We’ve covered a lot of ground, but the essence remains—Jesus is the focal point of our lives, and we have responsibilities as believers. Take these truths and let them soak into your life. God bless you all.

Financial Rescue – Learning to Prosper from God’s Word

  • The teaching on financial rescue and prosperity, drawing from Biblical principles to provide practical advice.

The Pitfalls to Avoid

  • The love of money, not money itself, is the root of evil (1 Timothy 6:10)
  • Most problems can be traced to money issues. Financial abundance can help solve many problems
  • Borrowing is risky, goes against God’s principles, and often leads to loss (Deuteronomy 15:6)
  • Dishonesty also leads to financial troubles, integrity is key (Deuteronomy 28:1-2)

Cultivating Abundance

  • Prosperity is hidden in our gifts and talents, cultivate your gifts (Matthew 25:14-30)
  • Sowing seeds in God’s work brings spiritual and financial harvest (2 Corinthians 9:10)
  • We must adopt the mindset of a giver not just a receiver (2 Corinthians 9:6-8)

Seizing Breakthrough

  • Moments and opportunities contain wealth, be spiritually attentive (Ecclesiastes 9:11)
  • God wants to rescue and bless us financially as we follow His principles (Philippians 4:19)


  • God has amazing financial rescue for those who apply His wisdom
  • We must remove ungodly financial habits and embrace Kingdom principles
  • Lean on Christ, not worldly systems, and abundance will come
  • God delights in rescuing us from lack into overflow
  • Mortgage is against God’s principles.

Christian Worship Songs

  1. “10,000 Reasons (Bless the Lord)” by Matt Redman
  2. “Amazing Grace (My Chains Are Gone)” by Chris Tomlin
  3. “How Great Is Our God” by Chris Tomlin
  4. “Holy Spirit” by Francesca Battistelli
  5. “In Christ Alone” by Keith Getty and Stuart Townend
  6. “Great Are You Lord” by All Sons & Daughters
  7. “Reckless Love” by Cory Asbury
  8. “Oceans (Where Feet May Fail)” by Hillsong UNITED
  9. “What A Beautiful Name” by Hillsong Worship
  10. “Good Good Father” by Chris Tomlin
  11. “Cornerstone” by Hillsong Worship
  12. “Build My Life” by Pat Barrett
  13. “Here I Am To Worship” by Tim Hughes
  14. “How Deep The Father’s Love For Us” by Stuart Townend
  15. “The Stand” by Hillsong UNITED
  16. “This I Believe (The Creed)” by Hillsong Worship
  17. “Good Grace” by Hillsong UNITED
  18. “Living Hope” by Phil Wickham
  19. “Who You Say I Am” by Hillsong Worship
  20. “Forever” by Kari Jobe
  21. “The Blessing” by Kari Jobe and Cody Carnes
  22. “Jesus Paid It All” by Kristian Stanfill
  23. “Here Again” by Elevation Worship
  24. “Great I Am” by Phillips, Craig & Dean
  25. “Broken Vessels (Amazing Grace)” by Hillsong Worship
  26. “Let It Rain (Is There Anybody)” by Crowder
  27. “King Of My Heart” by Bethel Music
  28. “Lord I Need You” by Matt Maher
  29. “Open Up The Heavens” by Meredith Andrews
  30. “From The Inside Out” by Hillsong UNITED
  31. “The Heart Of Worship” by Matt Redman
  32. “No Longer Slaves” by Bethel Music
  33. “One Thing Remains (Your Love Never Fails)” by Jesus Culture
  34. “It Is Well (With My Soul)” by Hillsong Worship
  35. “Here’s My Heart” by Crowder
  36. “I Will Follow” by Chris Tomlin
  37. “This I Know” by Crowder
  38. “Glorious Day (Living He Loved Me)” by Casting Crowns
  39. “Christ Is Enough” by Hillsong Worship
  40. “We Believe” by Newsboys
  41. “How He Loves” by David Crowder Band
  42. “Lion And The Lamb” by Leeland
  43. “All Creatures Of Our God And King” by David Crowder Band
  44. “Jesus Messiah” by Chris Tomlin
  45. “Even So Come” by Kristian Stanfill
  46. “The Lion’s Roar” by First Assembly Music
  47. “Goodness Of God” by Bethel Music
  48. “You Are My King (Amazing Love)” by Newsboys
  49. “I Surrender All (All To Jesus)” by Casting Crowns
  50. “Your Grace Is Enough” by Chris Tomlin
  51. “Lord, I Lift Your Name On High” by The Maranatha! Singers
  52. “Cornerstone” by Hillsong Worship
  53. “Whom Shall I Fear (God Of Angel Armies)” by Chris Tomlin
  54. “What A Friend We Have In Jesus” by Casting Crowns
  55. “Lead Me To The Cross” by Hillsong UNITED
  56. “We Are” by Kari Jobe
  57. “Let Your Kingdom Come” by Sovereign Grace Music
  58. “Alive” by Hillsong Young & Free
  59. “The Same Love” by Paul Baloche
  60. “You Are My All In All” by Dennis Jernigan
  61. “Made To Worship” by Chris Tomlin
  62. “We Fall Down” by Chris Tomlin
  63. “In Your Presence” by Jason Upton
  64. “The Stand” by Hillsong UNITED
  65. “Beautiful Things” by Gungor

தில்லுக்கு துட்டு

Bible verses regarding trust and offering

Here are some Bible verses regarding trust and offering:

  1. Proverbs 3:5-6 – “Trust in the Lord with all your heart, and do not lean on your own understanding. In all your ways acknowledge him, and he will make straight your paths.”
  2. Malachi 3:10 – “Bring the full tithe into the storehouse, that there may be food in my house. And thereby put me to the test, says the Lord of hosts, if I will not open the windows of heaven for you and pour down for you a blessing until there is no more need.”
  3. 2 Corinthians 9:7 – “Each one must give as he has decided in his heart, not reluctantly or under compulsion, for God loves a cheerful giver.”
  4. Psalm 20:7 – “Some trust in chariots and some in horses, but we trust in the name of the Lord our God.”
  5. Proverbs 11:24-25 – “One gives freely, yet grows all the richer; another withholds what he should give, and only suffers want. Whoever brings blessing will be enriched, and one who waters will himself be watered.”
  6. Matthew 6:21 – “For where your treasure is, there your heart will be also.”
  7. Philippians 4:19 – “And my God will supply every need of yours according to his riches in glory in Christ Jesus.”

These verses encourage us to trust in the Lord with all our heart, to bring our full tithe into the storehouse, to give freely and cheerfully, to trust in God rather than worldly possessions, and to know that God will provide for all our needs according to His riches in glory.

Bible verses about productivity

  1. “Whatever your hand finds to do, do it with your might, for there is no work or thought or knowledge or wisdom in Sheol, to which you are going.” – Ecclesiastes 9:10
  2. “Commit your work to the Lord, and your plans will be established.” – Proverbs 16:3
  3. “And let us not grow weary of doing good, for in due season we will reap, if we do not give up.” – Galatians 6:9
  4. “Do you see a man skillful in his work? He will stand before kings; he will not stand before obscure men.” – Proverbs 22:29
  5. “As each has received a gift, use it to serve one another, as good stewards of God’s varied grace.” – 1 Peter 4:10
  6. “The hand of the diligent will rule, while the slothful will be put to forced labor.” – Proverbs 12:24
  7. “Whatever you do, work heartily, as for the Lord and not for men, knowing that from the Lord you will receive the inheritance as your reward. You are serving the Lord Christ.” – Colossians 3:23-24
  8. “In all toil there is profit, but mere talk tends only to poverty.” – Proverbs 14:23
  9. “The plans of the diligent lead surely to abundance, but everyone who is hasty comes only to poverty.” – Proverbs 21:5
  10. “And God is able to make all grace abound to you, so that having all sufficiency in all things at all times, you may abound in every good work.” – 2 Corinthians 9:8