Reasons For Financial Difficulties

     According to the latest statistics, over one-half of all families in America are experiencing financial difficulties. This includes single parent homes.  Most people have financial problems, but don’t know why! 

     In order to be aware of the financial difficulties one has and know what causes them, a person must educate himself to the reasons for the difficulties.  The following are a list of reasons that most people find themselves in financial difficulty.

1. FAILURE TO FOLLOW SCRIPTURAL PRINCIPLES.  The Bible is full of guidelines regarding financial principles.  In fact, one-half of all parables and one out of six verses in the New Testament deal with stewardship.  Get your Bible out and start studying.  Ask your pastor for more information.  See a Christian Financial Counselor for assistance.  You will find great guidelines and principles in the Word of God.
2. FAILURE TO IDENTIFY YOUR PRIORITIES.  Just exactly what do you want?  More things or better financial stability?  Prioritize your desires and needs and stick to it.
3. NO DISCIPLINE!  That one horrible word causes us more problems than anything else in the world.  We need to exercise discipline in every phase of our life, especially when it comes to discipline!  Discipline yourself to limit unnecessary purchases and wasting money.  Discipline yourself to set down once per month to analyze your finances.  Discipline will be the greatest thing you can establish in your life. Work diligently with disciplining yourself.
4. FAILURE TO ESTABLISH GOALS.  A person who has no goal is a person without direction.  A person without direction is going…nowhere!  To solve your financial difficulties, you have to establish a clear goal.  Where do you want to be one year from now; five years from now, etc.?  Write your goal down and work toward it.
5. NO CONTROLS.  This compares to discipline, however, it means to have written controls over your spending.  Write down what your limits are.  Review them frequently. 
6. FAILURE TO ESTABLISH A BUDGET.  A budget is not a nervous breakdown on paper.  It is a clear cut guideline of where your money comes from and how it is to be spent.  It only takes about 1 hour per month to maintain a budget so that you can control the process of knowing where your money is and how it is spent.  Don’t negate the importance of a written budget…it will be the greatest factor in helping you get your finances under control.
7. UNABLE TO CONTROL IMPLUSIVE SPENDING.  If you don’t follow the direction of your budget and discipline yourself, you will be unable to stop spending when you see that item that you just must have.  Don’t spend any unnecessary money until you discuss it with someone. You must control your spending if you ever hope to get ahead financially.

25 Questions To Ask Before Making Major Decisions

Not every question in this list will help you in every situation. This is simply a check list to help you keep from overlooking important considerations before confirming and carrying out major decisions.

1. At it's essence - in one sentence - what is the decision I'm really facing? What is the bottom, bottom line?
2. Am I dealing with a cause or a symptom? A means or an end?
3. Am I thinking about this situation with a clear head or am I fatigued to the point that I shouldn't be making any major decisions.
4. What would the ideal solution be in this situation?
5. Should I seek outside counsel in making this decision?
6. What are the hidden agendas that are pushing for a decision in this situation? Why do we or they want a change? What is the source of the emotional fuel that is driving this decision?
   
7. If I had to decide in the next two minutes - what decision would I make and why?
8. What decision would I expect each of my three most respected advisors to favor in this situation?

Money Matters - The Budget's Attitude

One of the top reasons that so many people, including Christians, fail at budgeting is simply attitude.  It a person thinks of it as a penny-pinching sacrifice instead of a means for achieving one’s financial goals, then it is unlikely they will stay with it.  To increase the chances of a successful budget, it is important to work on the attitude. 

If ”budget” sounds too harsh…consider it as a “financial plan” for the home.  The plan can help you get ahead; control spending, and save for future spending.  Budgeting really does matter in the process to help one reach their goals and without some formal plan of working with the finances, goals and dreams can never be reached.

Money is a tool…and a tool that everyone needs in today’s society.  This tool can enable a person to reach their goals in life, however, until a person knows where their money goes and how it is spent, a conscious decision about how to use this tool effectively is impossible.

So it is important to get the right attitude and not give up.  Quitting too soon or tiring of the process is simply a means of failure in reaching the potential goals and dreams one has.

The following scriptures give spiritual guidance for the finances of the home.  Take the time to read these and study God’s plan for financial survival.

• Prosperity:  Genesis 39:3; Psalms 1:3; Joshua 1:6-8; Luke 6:38; John 10:10

• Provision:  Genesis 41; Exodus 15; I Kings 17; John 21:2-6; Matthew 4:11

• Giving:  Deuteronomy 14:23; Malachi 3:10; Matthew 23:23; Hebrews 7:1,2

• Budgeting:  Proverbs 22:3; 24:3,4; 27:12; Luke 12:16-21; Luke 14:28-30

Our Pastor Stinks!

 It is fair to say that Levi, or Matthew,  was not a man of good character.   He had accepted the office of tax-collector for the Romans.  And being a Jew this did not go over too well.   The Jews did not take too fondly to an office that put them in subject to the Romans.  Therefore, they gave these tax-gatherers a bad name.  They had  a certain hatred for them.

But when Jesus went out looking for disciples to come and follow him, one of the first places he went was  to this tax collecting booth and simply said to Levi (Matthew)"follow me."  Levi, who was rejected by so many because of his occupation, was in disbelief that Jesus had sought him out and selected him on purpose.  Luke writes that  "he left all, rose up, and followed him. "

Jesus was used to hanging out with people who were down-trodden.  First a leper, then a paralytic, and now a tax collector! If Jesus were running for public office he ought to be more careful about the company he is keeping.  But Jesus has a higher mission than popularity: "to preach the gospel to the poor, to heal the brokenhearted, to preach deliverance to the captives, and recovering of sight to the blind" (Luke 4:18), and the needy aren't always clean or respectable.

Good Is The Enemy Of Great!

I love adventure. I like eating at restaurants that I’ve never eaten at before. I like going places I’ve never been before. I will often take a wrong road intentionally just to see what is there that I’ve been missing. I want to see countries, I’ve never seen before. I want to enjoy what is just ahead.

I want to enjoy some things in the spirit realm too. I look into the Bible and I see the Christians in the New Testament having an all night prayer meeting for Peter. The miracle to me was not Peter getting loosed from prison. The miracle to me was a body of believers putting their agendas, and personal motives aside long enough to agree that something had to be done about Peter’s condition.

In his book Good to Great, Jim Collins states "Good to Great companies do not focus on what to do to become great; they focus equally on what not to do and what to stop doing." We are too often seeking the next gimmick or program that will take us to where we’re desiring to go in terms of church growth or revival.  The problem with that, is we start new things constantly but never do perfect them, only to go on to start something else without burying what we just gave up on.

As a result of that, we have our interests and labors so divided that many of our churches are dysfunctional with regards to evangelism, instead of being the driving evangelistic force that our Lord desires us to be.

There are a few things we can stop doing that would bring us closer to having Great evangelistic moves instead of simply good moves. I believe we would go from having good church to having Great church if we would stop trying to entertain one another.  Are we hung up on trying to entertain the crowd instead of entertaining the presence of the Lord.

We have it all backwards. We think if we sing good enough. We think if the choir ever gets it all together we will really have great church. We think if we hit the right note. We think if we gesture correctly as we sing. We think that somehow the crowd will be impressed enough to give their hearts and lives to Jesus Christ.

We can’t sing good enough to give someone salvation. You can’t sing good enough to heal a broken body. You can’t sing good enough to give deliverance to a drug addict. You can’t sing or play or act good enough to save even one person’s soul, so why don’t we just entertain the Lord with our worship? It might be that we could draw his presence closer with our sincerity and hunger to worship him. If He came closer, there is no telling what could happen.

We don’t have Great church because we have been satisfied with good church. We don’t have Great worship services, because we are satisfied with good worship services. We don’t have Great results from our evangelist labors, because we are satisfied with good results.

Why Do I Feel so Alone although I Minister to Others?

Although you may feel like you are the only one, you are not. A large percentage of other pastors and ministers also feel isolated and alone even as they minister to crowds of people on a regular basis. The feeling of isolation or of being alone plagues many ministers and their spouses. This article identifies 12 causes and potential solutions. It also validates a few of the many needs for spiritual Fathers and/or mentors.

The vast majority of Christian leaders do not actually have a mentor or spiritual father in their life.

Each of the following topics could be a guideline for validating the need for a mentor in your life and ministry.

The Isolation of the Calling

If you truly have a calling from God you may be the only one with that particular call. Even a quick cursory review of the Bible reveals men like Abraham, Moses, Joseph, David, Elijah, Jeremiah who felt the pain of isolation and solitude. They had no peers.

Elijah even stated once that he was the only one like himself, but God quickly corrected him by saying there were 7000 others similar to him. Your isolation may have many ingredients such as location, a unique but misunderstood calling, not relating to the people around you, and many others.

Regardless of the reason(s) for your isolation you need to understand that there is someone somewhere who can relate to you. It is your responsibility to climb out of your box of isolation. Of course, God always understands, but there are times you also need people. Just having someone to listen to you is not always enough. You need someone with wisdom and sage advice who can help direct you forward. Perhaps you need a mentor? The right mentor will help you use the isolation of the calling as an advantage to become more effective.

The Solitude of Alone Time

Solitude is a two-edged sword. Although it is healthy to have alone time for self, meditation, exercise, relaxation and prayer, it can also become a dark pit of separation and despair. You must not close out the essential people around you. Your family, staff, and peers each need the right amounts of time with you and your input.

If you do not have alone time in your schedule it is imperative that you work toward finding time for it. You must use your alone time wisely by assuring that there is some personal growth value associated with it. You must also establish some mind guards because an idle mind can wander into areas it should not go into. Always remember that the adversary may use your alone time to speak his deceits into your thoughts.

When Brethren Disagree

How do you handle disagreements among brethren? The following article appeared in Brother T.F. Tenney’s book, “Advice to Pastors and Other Saints.” It gives excellent advice concerning how to get along.

Keep the disagreement in perspective. Don’t reject the person because he or she has a different opinion. A variety of opinions are the spices of life.

Do not transfer the disagreement to other areas. Do not generalize. A two- color piece of literature is more attractive to the world, not when we are monotonously uniform, but when we function as the body of Christ, where one is the eye, another the hand and another the foot. The world will be impressed by our agreement to cooperate and compliment each other, not by all of us being the same, acting the same, or even speaking the same.

Do not question the motives of the person with whom you disagree. If you assume the right of questioning another’s motive, remember you must permit him or her the same privilege.

Do not assume that personal differences are sinful. They are usually due to different cultural, intellectual, and doctrinal positions. Remember this, a person does not necessarily have to be in fellowship with you to be in fellowship with Christ. Some people do not think it’s smoke unless it comes out of their stack.

The Value of Biographical Preaching

The proper definition of biographical preaching is;

The method of preaching that expounds a Bible character, based on careful exegesis, to deduce the principles that regulated his or her life and to apply the principles to the modern listener. A simpler definition is; Biographical preaching is preaching that provides a biography of the life of a person from scripture and draws a moral lesson or message from that story.

It is essential to understand that all preaching in its most basic of forms is (or at least ought to be) expository in nature. By that I mean that every scripture you share in a sermon should be exposed and expounded upon. Even when only one verse is used in a topical sermon, there is a degree of exposition that takes place.  In the same sense, biographical preaching is a type of expository preaching. You are telling the story of an individual rather than the story of a chapter or a book. Instead of exposing a passage of scripture, you are exposing the life of a person in scripture. Your text may include several passages of scripture about the character.

Am I Called To Preach?