Please note: This is general information and is not intended to be legal advice. You should consult with your own financial advisor before making any major financial decisions, including investments or changes to your portfolio, and a qualified legal professional before executing any legal documents or taking any legal action. Faith News Niagara and Joshua Ray are not responsible for any losses, damages or claims that may result from your financial or legal decisions.

after Jesus commissioned his disciples to tell the rest of the world about what He has done for us.


There are many proponents for the grace message today, many of them popular because of their television ministries.


Just like any message or teaching today, grace and finances are prone to misunderstanding. Some people might take the message of grace the wrong way when it comes to our financial life. Some of us may have even heard others say that they are financially blessed because of grace, and that they are waiting upon the Lord to reap that harvest. This mentality has caused some people to believe that there is no need to put forth any effort to reap a harvest, that because of grace they are favoured in everything they do.


The problem with this kind of thinking is that it leads to people not doing anything for their financial health while they sit back and expect the blessing to flow.


At the most extreme end of misunderstanding the grace message, some believe that blessings flow with no effort on their part— that self-effort in the context of finances is a bad mix because it forfeits their financial blessing.


One could see how this misunderstanding could affect personal finances. Granted, it’s reasonable to believe that self-effort or self-promotion is not a good mix with grace, but it doesn’t mean that you shouldn’t do anything at all. The grace message is meant to put self-effort in its place when it comes to salvation, but it means something different with finances. The misunderstanding comes when grace is applied to favour and finances inappropriately.


Psalm 90:17

17 And let the beauty of the Lord our God be upon us, And establish the work of our hands for us; Yes, establish the work of our hands. (NKJV)


If you sat on the couch to meditate and pray all day long, you would be neglecting your chance to have your hands blessed by the Lord. The scriptures are clear that God blesses what you put your hands to. If you sit on the couch and put your hand to nothing, then nothing is what you get.

There must be an avenue for your finances to flow through— waiting upon the Lord because you believe in grace and favour isn’t going to increase you financially. There is a co-operation that exists between yourself and God. It is true that God doesn’t need your praise— money— worship— or anything for that matter, but He desires your heart and a relationship. But that doesn’t mean you should be taken out of the equation of this relationship or out of the equation of having your hands blessed. This is a give and take relationship. This extends into your finances as well. There is a co-operation between the two of you.


Psalm 128:2

2 When you eat the labor of your hands, You shall be happy, and it shall be well with you. (NKJV)


There are a number of scriptures that refer to the consequences of hands that are both working and not working. Make no mistake, God intends to bless you, to put favour upon you through the grace of Christ— but what good is that favour if you do nothing to put it to work for you? Even the Israelites that left Egypt after their slavery had to “ask” the Egyptians for their wealth— to which they gave it to them.


Proverbs 12:11

11 He who tills his land will be satisfied with bread, But he who follows frivolity is devoid of understanding. (NKJV)


Proverbs 14:23

All hard work brings a profit, but mere talk leads only to poverty. (NIV)


Sitting on a couch doing nothing to participate in the favour of God may not serve you very well, and it could lead to disappointment when it comes to finances. From a practical perspective, finances must flow through some avenue— and with the grace of God— it doesn’t even have to be very big.


Your dependence on God for provision doesn’t mean you don’t do anything for your finances— this is too extreme when it comes to the notion of grace. Instead, your dependence means you rely on his direction to reap a harvest. You will rely on his instruction to create an avenue for finances to flow. You will rely on God for his favour to put you in the right place at the right time so that you meet the right people that will increase you financially.


The image of the farmer is so powerful and inundated with truth. The farmer can be the most devout Christian— who lives his life filled with grace— but if he doesn’t make the effort to plant seed into the field, he will never yield fruit. After he sows, he must depend on God for the rain and the sun, yet he must co-labour by pruning and cleaning the ground for a good crop.


Keep a healthy perspective on the grace message and what it means to be blessed and favoured. If you want to see results in your life— in the realm of finances— get into action with God and create the avenue for finances to flow.


It must be important enough for God to mention it more than once in the book of Deuteronomy. For instance, in chapter 15 it reads, “You shall surely give to him, and your heart should not be grieved when you give to him, because for this thing the Lord your God will bless you in all your works and in all to which you put your hand” (v. 10).


Keep your faith as you work that avenue for finances to flow— in time, you will see fruit from your labour. Just keep working at it and trust that God will put you in the right place, at the right time. By grace, you will increase and he will bless what you have put your hands to.

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Deuteronomy 28:8

8 The Lord will command the blessing on you in your storehouses and in all to which you set your hand, and He will bless you in the land which the Lord your God is giving you. (NKJV)


The grace message has taken the world by storm and for good reason. This is the same message that the early Christians heard and delivered. This good news was so uplifting that it spread quickly

with Joshua Ray

Local author Joshua Ray shares his thoughts on the Scriptures, faith, & Biblical finances.

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An essay on keeping a healthy perspective on the grace message

June 2016

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