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Your Money Counts: The Biblical Guide to Earning, Spending, Saving, Investing, Giving, and Getting Out of Debt
With the economy reeling in the wake of the recent recession, many people are experiencing such financial challenges as credit card debt, downsizing, dead-end jobs, and inadequate or depleted savings. With these challenges come others as well. Recent studies confirm that more than half of all divorces are the result of financial pressures at home. And spiritually, many people are struggling to maintain a biblical perspective amidst the constant tug of materialism. But there is hope. The Bible has a lot to say about money. In fact, the Bible is a veritable blueprint for managing your finances. In Your Money Counts , trusted financial expert Howard Dayton shows you how to manage your personal finances in a highly practical, biblically-based way. Your Money Counts is a thorough, highly practical, guide to personal finance that looks at earning, spending, saving, giving, and getting out of debt from a uniquely biblical perspective. In Your Money Counts, readers are taught the ABCs of establishing a household budget, basic investment strategies, and charitable giving to help them customize their own financial strategy. The book is filled with worksheets, charts, and calculators for calculating budgets, debt, mortgage payments, investments, etc. Your Money Counts provides a clear and thoughtful approach to living debt-free in any economy.
175 pages, Paperback
First published January 1, 1996
105 people are currently reading
617 people want to read
About the author
Howard Dayton
64 books9 followersHOWARD DAYTON was born in Daytona Beach, Florida in 1943. After graduating from the School of Hotel Administration at Cornell University in 1967, he served two and a half years as a naval officer. In 1969, he developed a successful railroad-themed restaurant in Orlando, Florida. Howard began his commercial real estate development career in 1972, specializing in office development in the Central Florida area.
In 1974, after a business partner challenged him to study the Scriptures to discover what God teaches about handling money, Howard's life was profoundly changed. The Lord gave him a passion to share the life-changing principles he discovered, resulting in the authorship of four books, including Your Money: Frustration or Freedom, Your Money Counts, Free and Clear, Your Money Map, and his most recent title, Money and Marriage God’s Way.
Howard founded Crown Ministries in 1985 and developed a remarkably effective small group financial study. Crown Ministries merged with Larry Burkett’s Christian Financial Concepts in September 2000 to form Crown Financial Ministries®, the world's largest financial ministry.
Howard and his wife, Beverly, were married in 1971 and have two grown children, Matthew and Danielle. Howard and Beverly reside in Gainesville, Georgia, and have just completed leading their 55th small group.
In 1974, after a business partner challenged him to study the Scriptures to discover what God teaches about handling money, Howard's life was profoundly changed. The Lord gave him a passion to share the life-changing principles he discovered, resulting in the authorship of four books, including Your Money: Frustration or Freedom, Your Money Counts, Free and Clear, Your Money Map, and his most recent title, Money and Marriage God’s Way.
Howard founded Crown Ministries in 1985 and developed a remarkably effective small group financial study. Crown Ministries merged with Larry Burkett’s Christian Financial Concepts in September 2000 to form Crown Financial Ministries®, the world's largest financial ministry.
Howard and his wife, Beverly, were married in 1971 and have two grown children, Matthew and Danielle. Howard and Beverly reside in Gainesville, Georgia, and have just completed leading their 55th small group.
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Displaying 1 - 30 of 81 reviews
December 26, 2008
If I'm going to be perfectly honest, teeny bits of what feels like legalism keep me from giving it 5 stars. I'm sure Howard Dayton didn't mean any harm, but for people like me who tend to take things very literally, hyper-idealistic phrasing doesn't always communicate so well. (paraphrase) "Give preference to your parents' financial advice, even if they're unbelievers." Obviously, the biblical mandate to honor one's father and mother does not mean to mindlessly obey them because of the simple fact that they're your parents. The Word says, "children, obey your parents in the Lord" (Ephesian 6:1). Sometimes, depending on the counsel you're getting, the most honoring thing to do is to respectfully turn and walk the other way. While we should all seek counsel and honor our parents by making good use of their experience, as an adult, you're the one who ultimately has to answer to God for your decisions.
November 3, 2009
This is a very good book from Crown Ministries that outlined biblically based money advice. In particular, I thought the advice on teaching your children about money was very helpful. It encouraged readers to empower children with allowances early to learn to manage money by saving, giving and spending. It also encouraged parents to share family financial information around the age of 12 so parents exposed their children to their own financial choices. By the mid to late teens, kids would be responsible for handling all their own expenses except room and board. How the kids received the money was not discussed. I think it would depend on the child. If the child benefited from a job, he could earn the money or a fair portion. If the child struggled to keep up in school, I guess the parents would give the child enough money for expenses like clothes, entertainment, car insurance and the child would pay for it out of his own account.
I walked into the world with absolutely no training on how to manage finances and payed dearly for my ignorance so I really appreciated an approach that empowered the child to succeed or fail while still in the nest.
I walked into the world with absolutely no training on how to manage finances and payed dearly for my ignorance so I really appreciated an approach that empowered the child to succeed or fail while still in the nest.
November 26, 2022
I thought this was a really excellent, thought provoking, challenging, encouraging read on finances and Biblical principles of stewardship and contentment. Super Biblically based and, while dated at times, really practical insights in to how we ought to handle our finances according to the Lords plan. A couple chapters, specifically the one about children, I will certainly return to.
December 26, 2024
Wouldn’t have read it if I didn’t have to for presbytery but glad I did. There wasn’t anything earth shattering in here but was still good. If anything this book helped me evaluate how I relate to money and how the Bible reveals the idol of money in our hearts.
February 15, 2012
I read this book because it was part of the Compass Financial Ministry program. It is a great book for getting a better understanding of the Biblical teachings on money and how we can apply them to our lives today. I learned a lot and was challenged by the teachings. I really enjoyed the section on work too, to better understand what the eternal perspective on work is and what the bible teaches about our work lives.
I would recommend this book to anyone who wants to live their Christian faith in relation to money. It teaches the same principles as Dave Ramsey regarding living debt free and it also gives a lot of Bible verses to back up those teachings. Overall I really enjoyed this book and it was a pretty easy read too.
I would recommend this book to anyone who wants to live their Christian faith in relation to money. It teaches the same principles as Dave Ramsey regarding living debt free and it also gives a lot of Bible verses to back up those teachings. Overall I really enjoyed this book and it was a pretty easy read too.
April 3, 2019
If you're looking for motivation to get out of debt from a non-Christian perspective, then I would suggest going with Dave Ramsey's Total Money Makeover. However, if you are looking to see what the Bible says about money and your character, and how to apply these principles, I would recommend this book.
April 21, 2020
Wow. Never have I ever contemplated money and what God says about it. Being 15, I never thought it would be a relevant subject anytime soon, but the truth is that it is. There's so much to learn about God's design for money and like the book said, there's 2,350 verses in the Bible about money. Why not start now? It's a journey, but worth it.
This book gave me practical knowledge and advice based on scripture that I aspire to live by, mostly when I'm old enough for it to be more relevant. :) I'll be coming back to this book MANY times in the future, and I implore you to check it out too!
This book gave me practical knowledge and advice based on scripture that I aspire to live by, mostly when I'm old enough for it to be more relevant. :) I'll be coming back to this book MANY times in the future, and I implore you to check it out too!
January 27, 2009
- We are only stewards of God's wealth
- "Everything in the heavens and earth is yours, O Lord, and this is your kingdom. We adore you as being in control of everything. Riches and honor are yours alone, and you are the Ruler of all mankind. Your hand controls power and might, and it is at your discretion that men are made great and given strength." Proverbs 29:11-12
- Importance of teaching financial responsibility to children
- "Everything in the heavens and earth is yours, O Lord, and this is your kingdom. We adore you as being in control of everything. Riches and honor are yours alone, and you are the Ruler of all mankind. Your hand controls power and might, and it is at your discretion that men are made great and given strength." Proverbs 29:11-12
- Importance of teaching financial responsibility to children
March 30, 2021
Helpful, practical understanding of a Biblical foundation to personal finance. Not overwritten. Some of the pieces of advice I would want to explore more theologically before taking to heart right away, but helpful to be challenged.
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July 24, 2011Offers a good foundation for Biblical teaching on stewardship.
September 9, 2014
Really liked this book-lay down a clear explanation of foundational financial principles while also giving you the Biblical background of why it's important to do it with God as your base.
February 20, 2019
How we handle money impacts our fellowship with God, competing for priorities in our lives. Start tracking expenses instead of wondering where our money went. Be Money Smart!
January 2, 2024
Your Money Counts by Howard Dayton is a solid guide to navigating the often murky waters of personal finance from a Christian perspective. The book covers essential topics such as stewardship, debt, giving, work, and investing, providing readers with a comprehensive overview of a Christian mindset towards money matters.
Dayton goes beyond the basics, delving into counsel, honesty, budgeting, living standards, and even offers advice on how to approach the topic of money with children. The inclusion of real-world examples makes the book relatable and the concepts easy to grasp.
I found the book a valuable read, however, there are two things that hold it back from a 5-star review.
1) The book (rightly) covers the topic of Giving. Most of content is sound from a Biblical perspective, however, the author says that "Giving with the proper attitude also results in a material increase flowing to the giver." While giving sacrificially may lead to a posture that results in a net gain for the giver—and this is by no means guaranteed—I don't believe the Bible necessarily teaches this, nor do I think it ought to be a motivator for giving. However, I appreciate that this is a sensitive issue in which people hold a range of views. Its inclusion is a helpful subject with which to wrestle.
2) Written almost three decades ago, the book does show its age with references to checkbooks, which are less commonplace in 2024. Nevertheless, the underlying principles remain relevant, proving the timeless nature of sound financial advice.
Getting back to the positives. Here's what I enjoyed about Your Money Counts.
Each chapter wraps up with bitesized summaries contrasting societal perspectives with biblical insights, offering a handy recap of the key points covered. The book emphasizes crucial takeaways, such as recognizing God as the owner of our possessions, the importance of absolute honesty, and the idea that generosity is not just about the recipient but also shapes the giver's heart.
Some standout lessons include the correlation between our bank accounts and priorities, the notion that individuals often teach what they themselves need to learn, and the call to view everything we possess as belonging to God.
Your Money Counts encourages readers to establish a maximum living expense to cultivate contentment, enabling them to channel excess funds towards generosity rather than succumbing to lifestyle inflation. Additionally, involving children in family finances is advocated for, promoting financial literacy and a sense of responsibility from a young age.
In conclusion, Your Money Counts offers practical advice grounded in Christian principles. Despite its age, the book's timeless wisdom and actionable insights make it a valuable resource for anyone seeking guidance on managing their finances through a faith-based lens.
Dayton goes beyond the basics, delving into counsel, honesty, budgeting, living standards, and even offers advice on how to approach the topic of money with children. The inclusion of real-world examples makes the book relatable and the concepts easy to grasp.
I found the book a valuable read, however, there are two things that hold it back from a 5-star review.
1) The book (rightly) covers the topic of Giving. Most of content is sound from a Biblical perspective, however, the author says that "Giving with the proper attitude also results in a material increase flowing to the giver." While giving sacrificially may lead to a posture that results in a net gain for the giver—and this is by no means guaranteed—I don't believe the Bible necessarily teaches this, nor do I think it ought to be a motivator for giving. However, I appreciate that this is a sensitive issue in which people hold a range of views. Its inclusion is a helpful subject with which to wrestle.
2) Written almost three decades ago, the book does show its age with references to checkbooks, which are less commonplace in 2024. Nevertheless, the underlying principles remain relevant, proving the timeless nature of sound financial advice.
Getting back to the positives. Here's what I enjoyed about Your Money Counts.
Each chapter wraps up with bitesized summaries contrasting societal perspectives with biblical insights, offering a handy recap of the key points covered. The book emphasizes crucial takeaways, such as recognizing God as the owner of our possessions, the importance of absolute honesty, and the idea that generosity is not just about the recipient but also shapes the giver's heart.
Some standout lessons include the correlation between our bank accounts and priorities, the notion that individuals often teach what they themselves need to learn, and the call to view everything we possess as belonging to God.
Your Money Counts encourages readers to establish a maximum living expense to cultivate contentment, enabling them to channel excess funds towards generosity rather than succumbing to lifestyle inflation. Additionally, involving children in family finances is advocated for, promoting financial literacy and a sense of responsibility from a young age.
In conclusion, Your Money Counts offers practical advice grounded in Christian principles. Despite its age, the book's timeless wisdom and actionable insights make it a valuable resource for anyone seeking guidance on managing their finances through a faith-based lens.
January 2, 2024
Después de mucho tiempo de orar por conocer la Verdad con la perspectiva sobre dinero, gracias a Dios encontré este libro
Aprendí que casi el 25% de la Biblia habla sobre dinero y principios sobre cómo utilizarlo, que lo más curioso es que no son mutuamente excluyentes de lo que muchos estudios científicos han revelado para beneficio y conveniencia del ser humano.
Me encantó el principio sobre el trabajo, el ser administrador fiel, la soberanía amorosa de Dios sobre todas nuestras posesiones, las perspectivas sobre el estilo de vida contrarias a lo que el consumismo promueve y los peligros de las riquezas en el corazón, que si bien Dios no está peleado con el dinero ni las riquezas, sí pueden representar un peligro para el alma con la perspectiva e intención inadecuada.
Le doy un 4 de 5 ya que creo que hay formas más prácticas y conscisas de aplicar todos estos principios basados en hábitos más metódicos y comprobados.
Definitivamente un libro para tomar como referencia base sobre los principios del dinero.
Aprendí que casi el 25% de la Biblia habla sobre dinero y principios sobre cómo utilizarlo, que lo más curioso es que no son mutuamente excluyentes de lo que muchos estudios científicos han revelado para beneficio y conveniencia del ser humano.
Me encantó el principio sobre el trabajo, el ser administrador fiel, la soberanía amorosa de Dios sobre todas nuestras posesiones, las perspectivas sobre el estilo de vida contrarias a lo que el consumismo promueve y los peligros de las riquezas en el corazón, que si bien Dios no está peleado con el dinero ni las riquezas, sí pueden representar un peligro para el alma con la perspectiva e intención inadecuada.
Le doy un 4 de 5 ya que creo que hay formas más prácticas y conscisas de aplicar todos estos principios basados en hábitos más metódicos y comprobados.
Definitivamente un libro para tomar como referencia base sobre los principios del dinero.
This entire review has been hidden because of spoilers.
December 9, 2019
This book presents solid biblical teaching on money. I can say that it is key to the Christian's understanding of finances. It should be read no matter what the system is that you are using. If you are using Dave Ramsey then it will complement it. If you are using Burkett or Crown then this was written by the founder of Crown and will only help. If you are using Avazinni then you aren't getting any help any way. Read this and start over.
Some have said this book is legalistic. I will admit that it doesn't give any wiggle room. Too many people want wiggle room though for anything and everything. The point is these are solid principles, follow them and you will have less heartache financially than 70% of Americans.
Some have said this book is legalistic. I will admit that it doesn't give any wiggle room. Too many people want wiggle room though for anything and everything. The point is these are solid principles, follow them and you will have less heartache financially than 70% of Americans.
July 28, 2019
Keeping in mind that this book is written from a Christian perspective, it is a great way to start the process of becoming debt-free. As I find myself recently separated, I knew I would need to reassess the way I handled money.
My favorite parts were the Commitments, at the end of each chapter. They were suggestions on how to begin exchanging previous negative behaviors for better ones. I’m hoping to be able to put much of Dayton’a suggestions into a consistent practice by the end of the year.
My favorite parts were the Commitments, at the end of each chapter. They were suggestions on how to begin exchanging previous negative behaviors for better ones. I’m hoping to be able to put much of Dayton’a suggestions into a consistent practice by the end of the year.
February 25, 2020
A good read. Since there are so many books out there on personal financial management, you would read this book, only because you want to see a biblical perspective, and this book has that. The Author says that he's done his homework, searching the entire bible on financial matters, and this is evident in how the book reads. I like the how it applies practicality on biblical matters, famously regarded as impractical especially on finances. Bible references are provided in spades, and really makes you consider your path.
October 21, 2021
Read for BF workshop.
Very readable and full of practical advice grounded in Scripture but doesn't get too deep/philosophical (gives a lot of his opinions that're not well backed up). Overall this is a pretty common sense Christian approach to me, although the teachings on generosity and the parable of the storehouses we're especially helpful to me atm. Good book to skim over in the future in order to re-check my attitude and actions towards money.
Very readable and full of practical advice grounded in Scripture but doesn't get too deep/philosophical (gives a lot of his opinions that're not well backed up). Overall this is a pretty common sense Christian approach to me, although the teachings on generosity and the parable of the storehouses we're especially helpful to me atm. Good book to skim over in the future in order to re-check my attitude and actions towards money.
This entire review has been hidden because of spoilers.
November 9, 2024
This is a great little book to help master money from a religious perspective. There are lots of scriptures. Very well written, quick and efficient to read. I appreciate being reminded of the true purpose of money (medium of exchange) not a goal in and of itself. The chapter on charity and giving was especially insightful for me. I need to reread this book every year or 2 so that I can keep the proper priorities and perspectives when dealing with money and possessions.
June 14, 2019
Occasionally helpful on the topic of finances when it ventures past the basics. Often regressive when it attempts theology, which is a very large portion of the book. If you're looking for financial advice, you can find it better organized and more succinctly with a Google search.
August 17, 2022
This book is so relateable that i completed it within three days! The middle chapters are more applicable for parents but the first and last chapters are full of wondrous lessons. And this is the only book that I decided to re-read every year to remind me of every wisdom in it.
December 26, 2023
Helped me to budget
For years I struggled with budgeting and usually gave up for inconsistency. But after reading this book I've learned to budget, and include giving as a category. Since then I've reduced my debt significantly and saved as well.
For years I struggled with budgeting and usually gave up for inconsistency. But after reading this book I've learned to budget, and include giving as a category. Since then I've reduced my debt significantly and saved as well.
February 8, 2017
Read in preparation for a class being offered at our church.
2017 Reading Challenge - A book that will improve a specific area of your life
2017 Reading Challenge - A book that will improve a specific area of your life
November 26, 2019
I read this books for Crown financial course. Tomorrow is the first lesson. We'll see...
February 17, 2020
Good book. Short easy read. Excellent tips on handling money, perhaps a bit simplistic, but a great place to start if you are not good with money.
June 7, 2020
This really helped my husband and I prepare for marriage while we were in a relationship. It is a great tool!
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December 31, 2020An inshightfull book and good journey into the world of savings, giving and investing in the biblical way.
March 11, 2022
practical book, clear explanation, help me to practice building financial habit ✨
May 11, 2022
Muy buen libro y esclarecedor para quienes quieren seguir el camino de Cristo y saber manejar en estos tiempos la cuestión del dinero
July 9, 2022
A good beginner book with biblical principles. I did not learn much but there were good reminders
Displaying 1 - 30 of 81 reviews