★ New: Scripture, prayer and practical stewardship for money that comes and goes, instant download wherever you live.
For believers who work hard, give faithfully and still feel stuck, at home and abroad

Money Comes, Money Goes: What Does the Bible Really Say?

A calm, Bible-based guide to stagnation and stewardship: what Scripture says about money, how to look honestly at where yours goes, how to close real doors in Christ and how to build simple habits that last, without fear, without “seed” pressure and without blaming your family.

Money That Stays ebook by Dr Grace Osei Get Instant Access: $37 USDEbook + self-check + 21-day plan + spending and family support plans · Download in 2 minutes

In Nigeria: ₦25,000 · pay in naira here
Outside Nigeria: $37 USD

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Does this sound familiar?

When you work hard and still end up in the same place

  • It comes and it goes. A good month, then a sudden expense, a delayed container or an emergency at home, and by December you are back where you started.
  • Everyone thinks you are doing well. You are abroad, so the requests never stop: school fees, hospital bills, a burial, a cousin’s “small business”. Your own savings are almost nothing.
  • You have been told it is a curse. “The poverty of your father’s house.” “Someone in the village is holding your destiny.” The words leave you afraid to go home.
  • Breakthrough has a price tag. A prophet asked for a large “seed” to break the covenant. You paid, and nothing changed.
  • Debt and guarantees follow you. A loan you signed for a friend, a credit card that keeps growing, a contribution group you cannot leave.

You do not need another formula. You need the Word of God, an honest look at where your money actually goes and the finished work of Jesus Christ.

From fear to faithful steps

“Wages to put it into a bag with holes”

“Ye have sown much, and bring in little; ye eat, but ye have not enough … and he that earneth wages earneth wages to put it into a bag with holes.”Haggai 1:6 (KJV)
A common story (composite, for illustration)

Think of a spare-parts trader we’ll call Chinedu, who opens his shop in Onitsha before seven every morning. He is honest and his customers trust him, yet at the end of every year he is standing in the same place. One prophet told him his family was under a poverty covenant and that he needed to sow a large seed to break it. He paid, and nothing changed.

What began to change things was not a payment. He read Galatians 3 and Colossians 2 every morning for a month, renounced what he knew of his family’s past in Christ, and sat down with a deacon to write out, for the first time, where his money actually went. He went to each friend whose loan he had guaranteed and, with advice from a lawyer, began to settle what he owed in small instalments.

“I used to avoid the bank manager,” he said. “Now I greet him.” His circumstances did not change overnight, but he stopped living in fear.

Whatever was spoken over your family’s finances, Christ has redeemed you from the curse. Now you can learn to be faithful with what is in your hand.

Money That Stays cover
Introducing

Money That Stays

Breaking Poverty Covenants and the Spirit of Stagnation

by Dr Grace Osei. 12 chapters in three parts and 6 practical tools (about 100 pages in print), written in plain English for African believers at home and across the diaspora.

Rooted in the King James Bible and honest about culture, family and real-life money pressures, it separates what Scripture teaches from fear and manipulation, walks you through repentance and renunciation in Christ, and gives you simple, general stewardship habits. It is not financial advice, and it encourages you to get qualified help where you need it.

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The journey

Three parts, one clear direction

Part One: Understanding Stagnation

What the Bible says about money, what “poverty covenants” and “the poverty of my father’s house” really mean, an honest audit, and the doors that quietly drain a household.

Part Two: Breaking Free in Christ

Redeemed from the curse; repentance, renunciation and, where it applies, restitution; and how to pray about money without fear or manipulation.

Part Three: Building Money That Stays

Knowing where it goes, debt and guarantees, family support and “black tax”, work and diligence, and generosity with contentment.

What’s inside

Here is what you will discover

  • Chapter 1What the Bible really says about money: provision, work, contentment and warnings, without the extremes of “money is evil” or “sow to get rich”.
  • Chapter 2Poverty covenants, honestly: what may be spiritual, what is practical, and why no one needs to pay to be set free.
  • Chapters 3–4The honest audit and the doors that drain: income, spending, debts, guarantees, family obligations and the practices that leak money away.
  • Chapters 5–7Breaking free in Christ: what the cross has already done, repentance, renunciation and restitution, and calm, biblical prayer about money.
  • Chapters 8–10Practical stewardship: a simple monthly plan, debt and borrowing wisely, and supporting family without sinking yourself.
  • Chapters 11–12Lasting freedom: diligent work and honest business, generosity and contentment that do not depend on the size of your income.
Contents page The 21-Day Money That Stays Plan My Simple Monthly Spending Plan

Real pages from the book: contents, the 21-Day Money That Stays Plan and the simple monthly spending plan

Built into the book

6 practical tools for faithful stewardship

  • 1The Money Pattern Self-Check: separate what you actually know from what you fear, and see what needs prayer, a practical change or professional advice
  • 2A Prayer of Renunciation and Dedication: a full written prayer to renounce what is not of God and dedicate your work and money to Him
  • 3The 21-Day Money That Stays Plan: a Scripture, a prayer focus and one small practical step for each day
  • 4My Simple Monthly Spending Plan: give, save and live on one page
  • 5My Family Support Plan: decide in advance what you can give home, and say it kindly
  • 6Scriptures for Provision and Stewardship: verses to read aloud and pray over your work and household
A quick check

Who this book is for (and not for)

✓ It’s for you if…

  • Money comes into your hands but never seems to stay
  • You have been told your family is under a “poverty covenant” and want to know what the Bible actually says
  • You support family at home and want to do it without sinking yourself
  • You are tired of being asked to pay for a breakthrough
  • You want simple, Bible-based habits for spending, saving, giving and debt

✗ It’s not for you if…

  • You want a get-rich-quick formula or a “seed” that guarantees a return
  • You want investment, tax or legal advice; this book encourages you to get that from a qualified professional
  • You want someone to blame for your finances
At home and abroad

Is this book for you?

These are not reviews. They describe the readers Money That Stays was written for.

✓

You’re a trader in Onitsha, Aba or Kano who opens early and closes late, and every year seems to end where the last one began, and you want to know whether it is spiritual, practical or both.

✓

You’re a nurse, carer or driver in Manchester, Houston or Toronto who sends money home every month, and you want a kind, honest way to keep helping your family without drowning in debt yourself.

✓

You’ve been told a relative is “holding” your finances or that you must sow a large seed to break a family curse, and you want to hear what Scripture actually says before you pay anyone anything.

Everything you get today

Money That Stays

Money That Stays
Money That Stays ebook (12 chapters, about 100 pages)✓
The Money Pattern Self-Check✓
A full written Prayer of Renunciation and Dedication✓
The 21-Day Money That Stays Plan✓
My Simple Monthly Spending Plan, My Family Support Plan and Scriptures for Provision and Stewardship✓
Phone-friendly “can’t open?” version and a print edition✓
Your price today
$37 USD

Price shown in your currency: naira for buyers in Nigeria, US dollars everywhere else. The final charge is shown at checkout before you pay.

In Nigeria: ₦25,000 · pay in naira here
Outside Nigeria: $37 USD

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MONEY-BACK

My 30-day money-back guarantee

Take the book home today. Read Part One, work through the Money Pattern Self-Check, and follow the first week of the 21-Day Money That Stays Plan. If after 30 full days you feel the book simply isn’t for you, email me at info@spiritualspouse.com or message us on WhatsApp (+44 7893 985962) and I will refund you in full. No forms. No interrogation. No hard feelings.

Dr Grace Osei
About the author

Dr Grace Osei

Dr Grace Osei has served in ministry for 22 years through Covenant Fire Ministries. She writes for believers across Africa and the diaspora who are tired of fighting the same battles in secret, pairing Scripture-based prayer with honest, practical steps toward lasting freedom.

Questions

Frequently asked questions

I live outside Nigeria. Can I buy?

Yes, absolutely. This is a digital download, so it reaches you anywhere in the world: the UK, the US, Canada, Ireland, Europe, across Africa, the Caribbean, the Middle East or Australia. There is nothing to ship and no waiting.

How is it delivered?

Straight after payment, Nestuge gives you instant access to download the book as a PDF. A download link is also sent in your purchase email, so you can come back to it anytime. Need help? Email info@spiritualspouse.com or WhatsApp +44 7893 985962. Save it to your phone and keep it by your bed, even offline.

What currency will I pay in?

If you are paying from Nigeria, the price is ₦25,000. Everywhere else in the world, it is $37 USD. The page picks the right price for your country automatically, and you can switch with the “Paying from Nigeria? / Paying from abroad?” link under the buy button. The exact amount is shown at checkout before you pay.

Does this book promise that I will become rich?

No. The book makes no promise of any financial outcome. It teaches what Scripture says about money, helps you deal with anything spiritual in Christ, and offers general, practical stewardship habits. Faithfulness, not a figure in your account, is the goal (Luke 16:10).

Do I need to sow a seed or pay for deliverance to break a poverty covenant?

No. Christ has redeemed us from the curse of the law (Galatians 3:13), and that freedom cannot be bought. Giving is a joyful act of worship, never a payment for deliverance, and the book shows you how to repent, renounce and pray without pressure or payment.

Is this financial advice?

No. The author is not a financial adviser, accountant or lawyer, and is not writing as a medical doctor or licensed therapist. The money chapters are general and practical. For debt, tax, investments, business or legal questions, the book encourages you to speak to a regulated professional or a free debt-advice service where you live.

Will it open on my phone?

Yes. It comes as a phone-friendly PDF with large text. If your phone shows a blank page, there is a “can’t open? use this version” image edition that opens in any PDF viewer, including WhatsApp’s and Google Drive’s built-in viewers.

Is my purchase private?

Yes. Your purchase is handled securely by Nestuge, and we never share your details with anyone. Your download link goes only to you.

Is there a refund policy?

Yes — a full 30-day money-back guarantee. Read Part One, use the Self-Check and follow the first week of the 21-day plan. If after 30 full days the book isn’t for you, email us at info@spiritualspouse.com or WhatsApp +44 7893 985962 and we will refund you in full. No forms, no interrogation.

What if I need help?

Contact us at info@spiritualspouse.com or WhatsApp +44 7893 985962. We read every message, wherever it comes from.

Faithful in little

Whatever was spoken over your family’s finances, the cross is bigger. Renounce what is not of God, look honestly at what is in your hand, and take the next faithful step.

“He that is faithful in that which is least is faithful also in much: and he that is unjust in the least is unjust also in much.”Luke 16:10 (KJV)
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This book offers Christian spiritual and devotional guidance and is not a substitute for professional medical, psychological, legal or financial advice. The author is not writing as a medical doctor or licensed therapist, and is not a financial adviser, accountant or lawyer. The money guidance is general; for debt, tax, investment, business or legal decisions, please speak to a regulated professional or a free debt-advice service where you live. Giving is never a payment for deliverance. Results vary and no financial, spiritual or other outcome is promised or guaranteed. Stories are composite and illustrative. Scripture quotations are from the King James Version (KJV). Prices: ₦25,000 for buyers in Nigeria; $37 USD everywhere else.

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