First Baptist Church

What is Dfree?

Dfree - Debt-free Dfree or �debt-free� is a First Baptist Church of Lincoln Gardens
solution-based practice of empowering our church members and
community to live debt free.
We teach God�s strategy for managing money. Dfree living
means No Debt, No Deficits, No Delinquencies. For more
information about the Dfree program, call the church office.
If you are interested and led by God to teach Dfree Biblical
principles and financial strategies, stop by the church resource
room Dfree Table for a Dfree Teacher�s Application or contact
the church office.

BIBLICAL PRINCIPLES

Romans 13:8
�Let no debt remain outstanding, except the continuing
debt to love one another,�� NIV

PROVERBS 22:7
�The rich rule over the poor, and the borrower is servant
to the lender.� NIV

LUKE 14:28
�Suppose one of you wants to build a tower. Will he not
first sit down and estimate the cost�.� NIV

DFREE PLEDGE
I PLEDGE:
To use God�s strategy for managing money
To keep my expenses below my income
To pay my bills on time
To invest in assets that grow in value
To contribute to my church and its ministries

DFREE SUMMER COVENANT
I PLEDGE:
To remain faithful to the admonition of Malachi
3:10 by continuing to give my tithes and offerings
during the ten weeks from June 27, 2010 through
September 5, 2010.

Download Dfree Brochure

Schedule

Click Date/Time to register online.

CLASS/TOPICS	DAY/TIME	DATES
Level I GET STARTED Goal Setting, Budgeting, Saving, Spending Habits, Identifying Assets vs. Expenses, Debt Recovery (Understanding Credit Reports and communicating with Creditors), Debt Reduction (knowing the interest rate on each debt owed), Giving & Tithing and the correct use of a checking account and the debit card. Home Mortgages, Car Loans and Insurance (home, auto, life) will be discussed in the class.	TUES 7:15 PM - 8:45 PM	Jan 19�Mar 25 Apr 20�June 24 July 6�July 29 Nothing in August Sept 14�Nov 18
Level II TAKING CONTROL 5 year debt elimination plan created and customized to each participant and formulated over 8 weeks. The Class will create a personalized folder containing a budget, spending plan, tax returns, bank statements, pay stubs, will, investment account statements, mortgage statements and any other material that may be helpful when a financial decision has to be made. Accountability partners, mentors and coaches assigned.	TUES 7:15 PM-8:45 PM	Jan 19�Mar 25 Apr 20�June 24 July 6�July 29 Nothing in August Sept 14�Nov 18
Level III RETENTION AND PASSING IT ON Understanding what Estate Planning is, including Gifting, Tithing, Benevolence, etc., understanding how Real Estate, Stocks, Bonds, Mutual Funds helps to create wealth and what needs to be done to retain the wealth. This class will also elaborate on how to train others on the Dfree Lifestyle.	TUES 7:15 PM-8:45 PM	Jan 19�Mar 25 Apr 20�June 24 July 6�July 29 Nothing in August Sept 14�Nov 18

All classes are taught at First Baptist Church.

For more information about the Dfree program, call the church office, (732) 828-2009.