Who is Steward? - Sermon Series - Sermon Two: Physical Things
by Chris 
Cumming
In part one of this five-part sermon series, I opened with the parable of the 
Unjust Steward.  The key verse I quoted was Luke 16 and verse two:
Luke 16:2
And he called him, and said unto him, How is it that I hear this of thee? give 
an account of thy stewardship; for thou mayest be no longer steward.
The lord here is asking for an accounting… “Give an account.”  Give a statement 
of your expenses and of your conduct while you have been steward.
The purpose of Part One was threefold:
1. Define what a steward is.
2. To encourage you to give an account before your Lord.
3. To instruct you in being a good steward.
In Parts 2-5 we are going to continue in our instructions in being a good 
steward.  We will, in turn, discuss Physical, Mental, Emotional and Spiritual 
stewardship.  Today is Part 2 of the series and discusses our Physical 
Stewardship.
Let us begin with a few more scriptures on general stewardship.
2 Corinthians 5:10  
For we must all appear before the judgment seat of Christ; that every one may 
receive the things done in his body, according to that he hath done, whether it 
be good or bad. 
1 Peter 4:5  
Who shall give account to him that is ready to judge the quick and the dead.
This verse is confirmed and clarified in 2 Timothy 4:1
2 Timothy 4:1
I charge thee therefore before God, and the Lord Jesus Christ, who shall judge 
the quick and the dead at his appearing and his kingdom; 
And now a scripture showing clearly the fact that firstfruits are giving their 
stewardship account now before God. 
1 Peter 4:17-18
17 For the time is come that judgment must begin at the house of God: and if it 
first begin at us, what shall the end be of them that obey not the gospel of 
God? 
18 And if the righteous scarcely be saved, where shall the ungodly and the 
sinner appear?
Elements of Stewardship
Stewardship is at the core of much of what we do on a daily basis in our lives 
and in the Salvation Process.  Spiritual Stewardship involves all the thousands 
of physical, mental, emotional and spiritual elements and subjects we come in 
contact with throughout our lives.  We must acknowledge and address each one.  
We must study it both from the secular and the spiritual viewpoints.  We must 
pray about them, make them the subject of our meditations and then commit 
ourselves to operating them, and controlling them.  We are to take the positive 
elements and increase them while insuring the negative ones are in check or 
eliminated.
Physical Stewardship
There are many subject areas we could discuss under the heading of Physical 
Stewardship.  We will address three:
1. Finances
The Word of God is replete with scriptures on money and finances.  Look at a 
Topical Bible and you will see entries for Finances, Financial Curses, Debt, 
Gifts, Hardships, Offerings, Problems, Recovery, Reward and Success.  Each of 
these subject areas is a study in stewardship.
How do we manage money?  How do we eliminate debt? How do we repair and maintain 
a good credit rating?  How do we prepare offerings to God?  How can we be a good 
steward in gift-giving?  The ministry could easily give a sermon for each of 
these questions.  Let us discuss general scriptures on financial stewardship.
Are we to provide for our families?
1 Timothy 5:8
But if any provide not for his own, and specially for those of his own house, he 
hath denied the faith, and is worse than an infidel. 
Does God want us to perform cost analysis?
Luke 14:28
For which of you, intending to build a tower, sitteth not down first, and 
counteth the cost, whether he have sufficient to finish it? 
Are we to provide an inheritance to our children?
Proverbs 13:22
A good man leaveth an inheritance to his children's children: and the wealth of 
the sinner is laid up for the just. 
Where do we get the power to be financially solvent and to whom is given this 
power?
Deuteronomy 8:18
But thou shalt remember the LORD thy God: for it is he that giveth thee power to 
get wealth, that he may establish his covenant which he sware unto thy fathers, 
as it is this day. 
Notice the commentary on this verse...
God - giveth thee power to get wealth - Who among the rich and wealthy believes 
this saying? Who gives wisdom, understanding, skill, bodily strength, and 
health? Is it not God? And without these, how can wealth be acquired? 
Whose is providence? Who gives fertility to the earth? And who brings every 
proper purpose to a right issue? Is it not God? And without these also can 
wealth be acquired? No. Then the proposition in the text is self-evident: it is 
God that giveth power to get wealth, and to God the wealthy man must account for 
the manner in which he has expended the riches which God hath given him. 
~Adam Clarke
How do we honor God in this area and what will happen if we do?
Proverbs 3:9-10
9 Honour the LORD with thy substance, and with the firstfruits of all thine 
increase: 
10 So shall thy barns be filled with plenty, and thy presses shall burst out 
with new wine. 
Does one become wealthy in money by setting his mind on acquiring the money 
or is there a different way this works?
Proverbs 28:20
A faithful man shall abound with blessings: but he that maketh haste to be rich 
shall not be innocent. 
How do we make our way prosperous in this life?  How do we experience 
success?
Joshua 1:8
This book of the law shall not depart out of thy mouth; but thou shalt meditate 
therein day and night, that thou mayest observe to do according to all that is 
written therein: for then thou shalt make thy way prosperous, and then thou 
shalt have good success.
Financially how are the wicked and righteous described in Psalms?
Psalm 37:21
The wicked borroweth, and payeth not again: but the righteous sheweth mercy, and 
giveth. 
The English Standard version reads:
Psalm 37:31
The wicked borrows but does not pay back, but the righteous is generous and 
gives; 
Should we borrow money?
Proverbs 22:7
The rich ruleth over the poor, and the borrower is servant to the lender. 
Romans 13:8
Owe no man any thing, but to love one another: for he that loveth another hath 
fulfilled the law. 
Notice the commentary on the first four words, "Owe no man anything."  The 
commentary first speaks to non-monetary debts but then speaks to financial debt.
Moreover, pecuniary debts may be here intended, such as are come into by 
borrowing, buying, commerce, and contracts; which though they cannot be avoided 
in carrying on worldly business, yet men ought to make conscience of paying them 
as soon as they are able: many an honest man may be in debt, and by one 
providence or another be disabled from payment, which is a grief of mind to him; 
but for men industriously to run into debt, and take no care to pay, but live 
upon the property and substance of others, is scandalous to them as men, and 
greatly unbecoming professors of religion, and brings great reproach upon the 
Gospel of Christ. ~John Gill
I went back over these few scriptures to see what areas of stewardship are 
indicated.  Here is the list:
* Provide for the family
* Perform cost analysis…budget
* Tithe…honor God
* Be generous and find or create opportunities to give
* Avoid borrowing as much as possible
* Get out of debt
Being a steward is a full-time endeavor. 
2. Time
Is there a verse or biblical concept that speaks to stewardship of time but, 
in fact, giving our life of time to Christ?
Galatians 2:20  
I am crucified with Christ: nevertheless I live; yet not I, but Christ liveth in 
me: and the life which I now live in the flesh I live by the faith of the Son of 
God, who loved me, and gave himself for me. 
If Christ is ruling our lives...and therefore our time, this sets the foundation 
and the motive and the passion for our stewardship of time.  This idea of Christ 
in us will influence all the elements we speak of in all five of these sermons.
Are we to consider the larger picture and scope of the time God gives us and 
therefore apply time to the Salvation Process?
Psalm 90:12 
So teach us to number our days, that we may apply our hearts unto wisdom. 
Let us look at the first part of this verse in the commentary.
So teach us to number our days - literally, “To number our days make us know, 
and we will bring a heart of wisdom.” The prayer is, that God would instruct us 
to estimate our days aright: their number; the rapidity with which they pass 
away; the liability to be cut down; the certainty that they must soon come to an 
end; their bearing on the future state of being. ~Barnes Notes
So teach us to number our days - Let us deeply consider our own frailty, and the 
shortness and uncertainty of life, that we may live for eternity, acquaint 
ourselves with thee and be at peace; that we may die in thy favor and live and 
reign with thee eternally. ~Adam Clarke
Is scripture saying, then, that we should give our time over to the will of 
God?
James 4:13-15
13 Go to now, ye that say, To day or to morrow we will go into such a city, and 
continue there a year, and buy and sell, and get gain: 
14 Whereas ye know not what shall be on the morrow. For what is your life? It is 
even a vapour, that appeareth for a little time, and then vanisheth away. 
15 For that ye ought to say, If the Lord will, we shall live, and do this, or 
that. 
Regarding our time management, are we to trust in God?
Psalm 62:8
Trust in him at all times; ye people, pour out your heart before him: God is a 
refuge for us. Selah. 
Does scripture state a sense of urgency in our stewardship of time?
Mark 13:33-37
33 Take ye heed, watch and pray: for ye know not when the time is. 
34 For the Son of man is as a man taking a far journey, who left his house, and 
gave authority to his servants, and to every man his work, and commanded the 
porter to watch. 
35 Watch ye therefore: for ye know not when the master of the house cometh, at 
even, or at midnight, or at the cockcrowing, or in the morning: 
36 Lest coming suddenly he find you sleeping. 
37 And what I say unto you I say unto all, Watch. 
Ephesians 5:15-17
15 See then that ye walk circumspectly, not as fools, but as wise, 
16 Redeeming the time, because the days are evil. 
17 Wherefore be ye not unwise, but understanding what the will of the Lord is.
What is the meaning of the phrase there in verse 16, "Redeeming the time."?
Notice the commentary...
Redeeming the time - The word rendered here as “redeeming,” means “to purchase; 
to buy up” from the possession or power of anyone; and then to redeem, to set 
free - as from service or bondage; [Galatians 3:13]. Here it means, to rescue or 
recover our time from waste; to improve it for great and important purposes. 
~Barnes Notes
Quoted and very related verse:
Galatians 3:13
Christ hath redeemed us from the curse of the law, being made a curse for us: 
for it is written, Cursed is every one that hangeth on a tree: 
Colossians 4:5 says
Walk in wisdom toward them that are without, redeeming the time.
3 Blessings
There is a hymn we have sung in church over the years.  The title of it is,
Count Your Blessings
When upon life’s billows you are tempest-tossed,
When you are discouraged, thinking all is lost,
Count your many blessings, name them one by one,
And it will surprise you what the Lord hath done. 
Refrain:
Count your blessings, name them one by one,
Count your blessings, see what God hath done!
Count your blessings, name them one by one,
*Count your many blessings, see what God hath done.
[*And it will surprise you what the Lord hath done.]
---end quote from the lyrics---
The hymn, itself is encouraging us to manage our blessings.  The hymn's lyrics 
are inspired from 1 Thessalonians.
1 Thessalonians 5:18
In every thing give thanks: for this is the will of God in Christ Jesus 
concerning you. 
Notice the commentary...
In everything give thanks - That is, to God the Father, in the name of Christ; 
see Ephesians 5:20 thanks are to be given to him for all things, as the Ethiopic 
version renders it; for all temporal good things; for our beings, the 
preservation of them; for food and raiment, and all the mercies of life; for the 
means of grace, the word and ordinances, and the ministers of the Gospel; for 
spiritual blessings, for electing, redeeming, regenerating, adopting, pardoning, 
justifying, and persevering grace: for a meetness for heaven, a right unto it, 
and a good hope of it; and especially for Jesus Christ, for such an husband, 
such an head, such a surety and Saviour, and advocate with the Father, as he is; 
and for life, peace, joy, comfort, righteousness, and salvation in him: and 
thanks should be given to God in every circumstance of life; in adversity, as 
Job did; when not in so comfortable and agreeable a frame of soul as to be 
wished for, since it might be worse, and is not black despair; even under the 
temptations of Satan, since they might be greater and heavier, and since the 
grace of God is sufficient to bear up under them, and deliver out of them, and 
since there is such a sympathizing high priest and Saviour; and in afflictions 
of every kind, since they are all for good, temporal, or spiritual, or eternal.
Quoted verse: 
Ephesians 5:20
Giving thanks always for all things unto God and the Father in the name of our 
Lord Jesus Christ;
For this is the will of God - which may refer either to all that is said from 
1Thessalonians 5:11 to this passage, or particularly to this of giving thanks; 
which is the revealed and declared will of God, is a part of that good, perfect, 
and acceptable will of his, and what is well pleasing in his sight, and grateful 
to him; see Psalm 69:30 and is ...
Quoted verses:
1 Thessalonians 5:11
Wherefore comfort yourselves together, and edify one another, even as also ye 
do. 
Psalm 69:30
I will praise the name of God with a song, and will magnify him with 
thanksgiving. 
in Christ Jesus concerning you - either declared in and by him, who has made 
known the whole of the will of God, and so the Arabic version, "which he wills 
of you by Jesus Christ"; or which is exemplified in Christ, who for, and in all 
things, gave thanks to God, and had his will resigned to his in every 
circumstance of life; or, which being done, is acceptable to God through Christ. 
The Alexandrian copy reads, "for this is the will of God towards you in Christ 
Jesus"; that is, with respect to you who are in Christ secretly by election, and 
openly by the effectual calling; and who, of all men in the world, have reason 
to be thankful for everything, and in every circumstance. ~John Gill
 
I understand that I must be a good steward of blessings, but how do I even 
receive these blessings?
Luke 11:28
But he said, Yea rather, blessed are they that hear the word of God, and keep 
it.
Are there limits to God's blessings?
Malachi 3:10
Bring ye all the tithes into the storehouse, that there may be meat in mine 
house, and prove me now herewith, saith the LORD of hosts, if I will not open 
you the windows of heaven, and pour you out a blessing, that there shall not be 
room enough to receive it. 
Does God set blessings before us?  if so, what must we do according to the 
book of Deuteronomy?
Deuteronomy 11:26-27
26 Behold, I set before you this day a blessing and a curse; 
27 A blessing, if ye obey the commandments of the LORD your God, which I command 
you this day: 
Is it possible that we can be made rich in many ways by the blessings of God?
Proverbs 10:22
The blessing of the LORD, it maketh rich, and he addeth no sorrow with it. 
Notice the commentary...
The blessing of the Lord, it maketh rich 
- In the diligent use of means; see Proverbs 10:4; riches are from the Lord, and 
should be acknowledged as such, and not attributed to the industry, diligence, 
sagacity, and merit of men; but should be looked upon as had through the 
blessing of the Lord upon the labours of men; and when they come this way they 
come as a blessing, and with one: it may be understood of being made rich in a 
spiritual sense; it is the blessing, good will, and favour of God, that makes 
men rich in Christ; that bestows upon them his unsearchable riches; that 
enriches them with all spiritual blessings in him; that makes them rich in faith 
and in good works, and with the riches of grace and of glory; 
~John Gill
Quoted verse:
Proverbs 10:4
He becometh poor that dealeth with a slack hand: but the hand of the diligent 
maketh rich. 
and he addeth no sorrow with it 
- no sorrow goes along with the blessing, but what is a blessing itself, as one 
observes; riches enjoyed through the blessing of God are not attended with that 
sorrow in getting, keeping, and losing them, as the riches of wicked men 
unlawfully gotten are; see 1 Timothy 6:9; for as the good man comes by them 
easily, without any anxious care and sinful solicitude, he seeking the kingdom 
of God and his righteousness, all these things are added to him, over and above, 
without much thought about them, or expectation of them, Matthew 6:33; so it is 
with great delight, pleasure, and cheerfulness, he enjoys them, and readily 
communicates them to others; while the wicked man is full of anxiety, distress, 
and sorrow; see Ecclesiastes 5:12. This is eminently true of spiritual riches; 
there is no sorrow attending them; the fruit and effect of them are peace, joy, 
and comfort. ~John 
Gill
Quoted verses:
1 Timothy 6:9  
…where commentary speaks to sorrow coming with unjust riches.
But they that will be rich fall into temptation and a snare, and into many 
foolish and hurtful lusts, which drown men in destruction and perdition. 
Matthew 6:33   
…blessings coming to the firstfruits
But seek ye first the kingdom of God, and his righteousness; and all these 
things shall be added unto you. 
Ecclesiastes 5:12  
…speaking to those who sleep and do not get much rest.
The sleep of a labouring man is sweet, whether he eat little or much: but the 
abundance of the rich will not suffer him to sleep.
Who does God bless?
Zechariah 10:12 
And I will strengthen them in the LORD; and they shall walk up and down in his 
name, saith the LORD.
Proverbs 10:6 
Blessings are upon the head of the just: but violence covereth the mouth of the 
wicked. 
Proverbs 28:20 
A faithful man shall abound with blessings: but he that maketh haste to be rich 
shall not be innocent.
Blessings come to the just, to those in the Lord and to those that are 
faithful.  Our stewardship is clear.  We must be good stewards of all things 
spiritual…all the elements of the Salvation Process if we are to reap 
blessings.  In addition, we are to count those blessings.  Remember them and 
ever be thankful for them.
This sermon has spoken to only three elements of physical stewardship.  Clearly 
there are many more.  The elements may be many but the approach is the same.  
All stewardship for the firstfruit is a partnership with Almighty God.
Who is Steward?   You are.