My sister Rachel recently advised that I make a graphic of some of the prayers and sayings to more quickly relate to people on social media.  This I have attempted and will hopefully improve upon in the future.  I also decided to make a hash-tag for From Zero to Hero in Your Finances.  I would have used # f 0 2 h, but it was already used for a band of which we have no affiliation, so thus the title of the post: #fz2h.

-David Knapp

prayer 14

Prayer #14 Warning Idolatry

humbleLord, help me to have my security in You so I won’t be easily puffed up by wealth, or become insecure when I have to believe You for every little need. I want to know You more. I need more of Your kindness, justice and righteousness manifested through my life. Forgive me for when I have made an idol out of money. I’ve sometimes put my trust in money, sometimes had more joy and longing for it than for You. I’ve also allowed myself to think more highly (or lowly) of myself than I ought. I reaffirm that You are my God, and no other. I purpose not to trust in anything but You. I humble myself before You and acknowledge that all good things come from You, but can disappear like a vapor. You are my safety, my health, my security and my source of provision. I trust that when all others and all else fails me that You will never leave me or forsake me. I love You. I pray these things in the name of Jesus, Amen.

Prayer # 13 Prosperity


painting-forest-path-sunlightLord, I thank You that You are a good God and want to prosper me in every way. You know what I need most and when I need it. You know what things I can handle and what would cause me to grow lukewarm towards You. I trust You to bless me greatly, beyond my wildest dreams, and to also keep me on fire for you. I know that You are looking for reasons to bless me, like a natural father looks for excuses to get things for his kids. I believe that as I seek You, and line up with Your word, that You will prosper me in every way. As I become more of a giver, You will give me more seed to sow. Thank You Lord, that You told the farmer not to muzzle the ox. Just so, You won’t have me live in deep poverty while You are abundantly blessing others through me, unless You are testing me. I love You, Lord, with all my heart. Be glorified in my life! I pray these things in the wonderful name of Jesus, Amen!!


Podcasts Worth Listening To

Apostle Bill JohnsonBethel Church in Redding, California has experienced continual revival, signs, wonders, miracles, and impact on the world for Christ for many years now.  Bill Johnson shares some excellent, foundational teaching about giving and the tithe that puts things in a great perspective!  We have attached links to the three that have come out to date below and we are looking forward to the continuation of this series!



MissionTrue RichesTrue Riches Part 2

Prayer # 11 Stewardship

stewardship treeLord, I repent for acting as though the things You have entrusted to me are my own. I realize I’ve unwittingly stolen them from You, and so now I give ownership of everything in my care back to You. Though I’m not worthy to be a steward anymore, I ask You by Your grace to allow me to continue on as a steward of the things You’ve entrusted to me. Help me to take proper care of them and remember whose they are. Anything in my custody that you want at any time, feel free to use in any way You desire or to transfer it to another person. Thank you for the use of all these things. I give myself to You afresh, and trust myself to Your care. I freely acknowledge that mine is the better part of the covenant we have with each other. I gladly exchange all my riches, failures and sins for who You are, Your blessing on my life, and Your riches. I pray these things in Jesus’ wonderful name, Amen.

Great Book Review by Larry Jones!


Larry Jones

The following is by Larry Jones and can be found on his blog Moving People to a Richer Life.


As a stewardship pastor and blogger, I was recently encouraged to check out the book From Zero to Hero in Your Finances by Dr. Richard Knapp.

Christian stewardship isn’t always the easiest topic to tackle, especially in a book format. If approached in the wrong manner, the subject matter can come across as dry and boring, or even worse, as legalistic and condescending. Dr. Knapp did an excellent job with his approach on the topic of stewardship. I found his book to be entertaining, and at the same time quite convicting!

6 Key Aspects Of The Book That Make This Book Worth The Read

There were several aspects of this book that I really enjoyed. Due to these key parts of the book, I know I will find myself coming back to this book for future research and inspiration in the area of stewardship.

Here are the 6 key aspects of the book I enjoyed:

  1. A Quick and Easy Read. As I mentioned above, the topic of stewardship can be potentially stuffy and boring to many, but I enjoyed Dr. Knapp’s approach to this book. Each chapter was concise, had a good flow, and got straight to the point. Nicely done.
  2. The Concept of Well-Digging. The opening chapter talks about this interesting idea of digging wells. I had never consider this approach in this way before, but it does make complete sense to me. I had one of those “I could have had a V8” experience when I read through this particular chapter. Dr. Knapp explains that “ … wells symbolize God’s provision and blessing. Abraham dug many wells, which were later filled with dirt by the Philistines, a type of the enemy.” You can read Genesis 26:18-19, 22 as well as Isaiah 12:2-3 for the Old Testament inspiration for the overall concept. Here’s a very brief synopsis of what Dr. Knapp writes about “well digging”: “When a well has been properly dug, the water flows freely into it. The water from a functional well will always be available, not only to us, but to others around us. The devil, however, will constantly try to throw unbelief into our wells to dry up our faith in that area … Digging a well is an active spiritual process, not a passive mental one.”
  3. Personal Stories from the Author’s Life. Stories are always excellent ways for an author to connect with his audience. Dr. Knapp shared several of his own personal stewardship stories that were interesting and convicting. His stories were a great reminder that I still have much to learn in the area of stewardship.
  4. Stewardship Testimonies from the Lives of Others. Not only did Dr. Knapp share his own stewardship stories, but he also included several stories and testimonies from others. These were very inspiring as well. I’ll probably be “stealing” some of these stories for a few Giving Talks at my church in the near future.
  5. Tons of Scripture to Support Each Chapter. At the end of every chapter, Dr. Knapp listed a lot of Scripture to support the particular concept he was teaching for that chapter. I will definitely be using this part of the book as a resource as I teach on key areas of stewardship.
  6. Written-Out Stewardship Prayers. Most chapters of the book have a written-out stewardship prayer of confession. I’m definitely coming back to these for inspiration for public prayers with our congregation.

If you have a passionate desire to grow deeper in this area of Christian stewardship, then I highly recommend picking up a copy of this book.

Prayer #10 Tithing and First Fruits

FIrst_FruitsLord, I ask You to forgive me for where I have failed to tithe, when I’ve not given the tithe first, or when I’ve used Your tithe to support my own ministry or ministries of my choosing. Please remind me, Holy Spirit, of when I’ve overlooked income sources and not tithed on them, or given only a partial “tithe”. I repent to You. I choose to give You the tithe as Your word says; FIRST, and without a complaining heart. As I tithe, please also show me what I should give you as an offering, for all I have is Yours. I believe You know my needs and will meet them, for You (and not my job or checkbook) are my Source. According to Your word, since I am tithing and bringing offerings, I ask You to rebuke the devourer for my sake. I ask You to open the windows of heaven (of blessing) in my life and for those around me. Let it be for Your glory. Please put the fear of God on me in this area so that I will never rob You again. In Jesus’ name I pray, Amen!

More on Trust

there-is-no-fear-in-loveMore Scriptures and prayers on trust:

Psalms 34:8-10:
“Oh, taste and see that the LORD is good;
Blessed is the man who trusts in Him!
Oh, fear the LORD, you His saints!
There is no want to those who fear Him.
The young lions lack and suffer hunger;
but those who seek the LORD shall not lack any good thing.”

Yes Lord, I do trust in You and also reverence You. I believe that as I trust You, I’ll not lack one good thing. I trust You to know what’s best for me.

Psalms 32:10:
“Many are the sorrows of the wicked,
but he who trusts in the LORD,
loving kindness shall surround him.”

Thank you Father for Your loving kindnesses to me!

John 14:12-14:
“Truly, truly, I say to you, he who believes in Me, the works that I do, he will do also; and greater works than these he will do, because I go to the Father. Whatever you ask in My name, that will I do, so that the Father may be glorified in the Son. If you ask Me anything in My name, I will do it.”
Lord, show me Your will, and Your timing. I want to pray and receive all the things You have for me and for others around me, in Your perfect timing.

I John 4:18:
“There is no fear in love. But perfect love drives out fear, because fear has to do with punishment. The one who fears is not made perfect in love.”
(Pray this prayer with me.) Lord, I know I cannot walk in fear and faith at the same time. So I choose to believe that You saw my situation coming long ago, and that You have it under control. I believe that Your love for me is an active love, and that You will accomplish the greatest glory for Yourself and greatest good for me out of this situation, as I keep my eyes on You. In Jesus’ name I pray!

Prayer #9 Trust

trustDear Lord, forgive me for when I’ve not trusted You to provide for my needs, and also for when I’ve not asked You how I should use my possessions. I do put my trust in You. I acknowledge that You are not limited by my resources, and have no trouble providing for everything that is in Your will for me. Help me to hear Your voice so I will have the confidence to believe You with unshakeable faith. Let my faith for Your provision bring joy to Your heart as I trust You like a little child. I love You, Lord. You are so good! I ask these things in the name of Jesus Christ, my Lord. Amen.