Money Matters - A Families Involvement In The Budget

Developing and maintaining a budget is a FAMILY AFFAIR.  If you are married, you must work together.  If you have children, this is the proper time to teach them how to operate within their means.

To make a budget work, there are some things that must be attended to prior to spending.

Together you should: 

• Decide on needed items and plan how much can be spent before going shopping.
• Always use a shopping list that has been approved by both spouses.
• Buy only the planned items.
• Compare prices and quality before buying.
• Use credit only when necessary for necessary items.
• Do not use credit for items that are not realistically needed.
• Decide together on a vacation spending
• Encourage each other of the benefits of saving
• Make realistic goals of being debt free
• Start gift shopping early and stay within a prescribed means
• Don’t over spend just to make someone in the family feel good.
• Decide how much to save on a regular basis.

Set down together and discuss the family budget and include in the discussion the benefits of becoming debt free for the future. 

Signs Still Follow True Believers

An alarming trend in the 21^st Century church is the accepted absence of signs, wonders, miracles and healing. Many people believe in but simply have not seen the spiritual manifestations of God. The result is an uncertainty and a lack of confidence in the operation of spiritual gifts and faith. The absence of manifestation makes it difficult to have absolute trust in God’s present ability to do anything. Men and women are hesitant to step out and “take chances” on God because they have never seen or experienced God under such circumstances.

This weakens the effect of the Word because the one speaking does not have true faith in its ability. The same Jesus who did not many mighty works in His home country due to their unbelief (Matthew 13:58) will not do many works in your life and church for the same reason.

The more unfamiliar we become with spiritual and miraculous manifestations of God the more humanistic we become in our understanding of Him. I am astounded as I listen to preachers who have little to no understanding or experience in spiritual things. They make excuses and deny the power and authority of God without realizing it. They belittle as weird those who have experiences. His Word becomes a lifeless book that has no power.

It is time for this to change! The weakening of God’s Word cannot be acceptable under any circumstances. He is a miraculous and unlimited God right now!

Jesus said in Mark 16:17 that, “these signs shall follow them that believe”. This has never changed. The signs still follow. If the signs are not following you need to examine your walk with God. Signs do still follow believers.

Mark 16:20 tells us,

20 And they went forth, and preached everywhere, the Lord working with them, and confirming the word with signs following. Amen.

I want to accentuate the “amen” by declaring that these things still occur in abundance. They still follow true believers. A true believer is not merely someone who believes true doctrine, but one who practices true Christian behavior and faith. Faith without works is dead according to James 2:20, 26.

Many Christians limit their relationship to God to their time at church. However, in Mark 16:15 Jesus tells us to go throughout the world preaching the gospel to every one everywhere. Those who do that will see things happen. They will have testimonies. I have my thousands. You can also if you want them. Signs follow our actions of faith. They do not lead the way, but they follow after us.

My brother Alan is an evangelist from San Antonio, Texas. He is an example of someone who has had signs and wonders follow him. The following is one of many such true stories.

Rain at 2:30

As teenagers, Alan and I both worked Murrell’s Corner. It was a full service gas station on the corner of Kenneth and Elgie Streets in Beaumont, Texas. An amazing series of events took place there over the course of three days during the drought of a hot summer.

Alan’s born-again experience was very real. In his zeal he had witnessed to Murrell, who promptly dismissed Alan as a certified idiot. Murrell was a deacon in his church, and evidently he felt like he had God all figured out. He mocked Alan and told him that tongues were only for the apostles and that it didn’t happen any more.

Twenty Building Blocks Of Vision

1.     A vision begins as a concern.

As a pastor, you probably have a vision of great revival for your city. But it began as a concern for souls, then it grew into a burden for souls. It grew till it consumed your thoughts. This is the birthplace of vision. God has placed that vision there.

2.     A vision does not necessarily require immediate action.

When God speaks to you, he may not be giving you a vision for the immediate.  God’s timing is not our timing. When David was anointed king, he did not take the throne for many years.  He went through many hardships before he finally became king.

3.     Pray for opportunities and plan as if you expect God to answer your prayers.

The Bible says that the steps of the righteous are ordered by the Lord. Begin to pray for the right people and opportunities to be brought into your life...God will order your steps.

4.     God is using your circumstances to position and prepare you to accomplish His vision for your life.

Don't let your situation blind your vision. God will use a situation that seems totally opposite of your vision to enable you to accomplish it.

Think of Joseph, he literally had a dream of his brothers bowing down to him, the sun, the moon, and the stars made obeisance to him...he was going to be a ruler of people. Of course that didn't happen for a long time, God used circumstance after circumstance to prepare him for that vision. Joseph could have easily become blinded by each of those, but instead God used each situation to advance him closer to His dream.

5.     What God originates, he orchestrates.

If God started it, He will finish it. Many are the times when we can't see the way through, but nothing shall be impossible with God. The Red Sea crossing is a beautiful example of God orchestrating Moses' vision of deliverance for his people.

6.     Walk before you talk; investigate before you initiate.

Remember a vision does not require immediate action, a lot of planning and preparation needs to be done in advance.

7.     Communicate your vision as a solution to a problem that must be addressed immediately.

Jesus told his disciples, 'the harvest is great but the laborers are few.' Later in the book of John, Jesus said, "The fields are already white to harvest." Jesus was communicating His vision to His disciples in a way they could understand. Fields turn white after they turn golden, today we harvest golden fields of grain. In essence, Jesus was saying, It is almost too late for this harvest, I need laborers right now!

8.     Cast your vision to the appropriate people at the appropriate time.

In Acts, chapter one, Jesus has some very important words for some very important people.  He waited until this very critical time to cast His vision to them. The Holy Ghost would come after He ascended to heaven, and the Holy Ghost would give them power to be witnesses to all people.

It is very interesting to note that the number of people there was 120. This was the exact number which the Jewish people required to form a council in any city. There were others who had been followers of Jesus, but for one reason or another had departed from this group.

Jesus used these last words to cast His vision for mankind to the appropriate people at the perfect time. The result was life changing revival for millions of people around the world even to this day!

9.     Don't expect others to take greater risks or make greater sacrifices than you have.

Is Your Vision Large Enough

There’s a difference between leadership and management.  Management consists primarily of three things:  analysis, problem solving and planning.  If you go to any management course, you’ll find it revolves around those three things.  But leadership consists of communicating your Vision and Values. 

If you don’t clarify the purposes as the leader, who will?

Here are a few guidelines:

Believe it or not, the bigger your vision, the easier it is to reach.  People are rarely motivated by small visions.  They will follow a big vision easier than a little one.  People need a purpose.  Giving them a grand vision will enable them to connect as some level with that vision.  If your vision is narrow, you may fail to interest some people.  However, if your vision is large, it will leave plenty of room for others to get involved.

Don’t worry about solving the problem before casting the vision.  A good example of visionary leadership would be the United States President, John F. Kennedy.  Regardless of what you think about his politics, Kennedy stood up one day in the early 1960’s and said, “We will put a man on the moon by the end of the decade.”  He was clear; he was precise; and the vision was something people could look to.  Now, here’s the interesting thing – when he said it, the technology to put a man on the moon hadn’t even been developed.  That’s visionary leadership!  Just because you don't have all the pieces of the puzzle just yet, does not mean that you can't share the vision.  Let others come along side you who will bring those pieces to the table.

Your God determines how big your goal is.  So, how big do you think God is?  The issue is not who do you think you are, but who do you think God is?  In your dreams for ministry, don’t limit yourself by saying, “What can I do?”  Instead ask, “What can God do?  What can God do in this place?”  Then, use every single tool and resource that God puts in front of you - no matter what it looks like.  Judging whether or not a resource if "of God" will limit God's ability to bless you in your work for Him.  

Money Matters - Why A Budget?

A budget is the tool provided in accounting terms that gives us the proper indication of how we stand in our finances.  Too often people refuse to prepare a budget because it seems cumbersome and boring.  A budget can be implemented in most homes but give only 1-2 hours per month.  That is not much time to have a clear indication as to where you stand financially.  Not only will a budget give you a picture of where you stand, it will help you organize your bill paying so you don’t get behind and have to pay late fees, and it will show you the debt you have so you can pay it off systematically. 

A budget is a guide that tells you whether you are going in the right direction so that you can expect to meet your financial goals.  You may have goals and dreams but if you do not set us guidelines for reaching them and you do not measure your progress periodically, you may end up going so far in the wrong direction you can never get out of financial difficulty.

• A budget lets you control your money instead of your money controlling you.
• A budget lets you control your spending habits.
• A budget allows you to save in a systematic manner.
• A budget allows you to meet your goals.
• A budget will tell you if you are living within your means.

Tax Time! - What is a Ministerial Housing Allowance?

Any licensed or ordained minister in the U.S. who performs ministerial duties and who is employed by the church qualifies for a housing allowance which is a great tax benefit. Housing allowances are not taxable to federal or state income taxes, so you can save taxes by utilizing the housing allowance. In general the rules are as follows.

To have a housing allowance, you must have a resolution pre-authorizing the housing allowance. A pastor cannot designate his own housing…it must be done by either the church board or the church membership. The amount designated goes to pay all housing expenses: rent or house payment, utilities, taxes, insurance, repairs & maintenance, upkeep, association dues, furnishing & appliances (purchase or repair). Any expenditure that is for the upkeep of the house you live in is included in the housing allowance.

The housing allowance is ONLY for your primary residence, not any other vacation home, etc. The allowance is paid by church funds as a portion of the overall compensation of the minister. The housing allowance used cannot exceed the actual expenses incurred for the housing expenses. The amount paid toward the house payment cannot exceed the fair rental value of the home.

We've All Been Shot

"For all have sinned, and come short of the glory of God;"  (Romans 3:23)

The colonel was trying to get a convoy of trucks out of the battle zone. The trucks had been under siege by the enemy and there had been terrible wounds and deaths that had occurred.  They had to get out of there if they were going to survive.  The colonel went to the lead truck where the driver had been killed and pulled the body out.  Then he turned to a Sergeant and told him to drive the truck out of there.  The sergeant responded that he had been shot and therefore wouldn't be able to drive, to which the colonel replied, "We've all been shot!  Now drive the truck."

When I first heard this story told from the book Black Hawk Down, immediately I thought of the church and what happens there or, for the case of this article, what doesn't happen because we allow ourselves to make excuses. 

We all have a person, or maybe even a few people, in our church that are ready and willing to do whatever it is that we ask of them.  Whether it be cleaning the restrooms, mowing the lawn, greeting everyone that enters the church, teaching home bible studies, teaching Sunday School,  etc., they will do it.  You know who I'm talking about.  They never stop asking you if you have something that they can do.  They are always the first to greet you after service.  They seem like they are always there.  These people are great and wonderful to have in our congregation.  When you ask them to do something you never have to worry about it getting done, because they have a desire to be used for the Kingdom.  However, these people are usually few in number.

Home Friendship Groups - The Individual

I doubt there has ever been a day or society more dysfunctional than the one we are living in today.

Children are growing up in homes with absent and all too often abusive fathers and mothers. These children grow up in an emotionally or physically abusive atmosphere. One recent statistic stated that 1/3 of the homes in America are verbally abusive homes. Where husbands stop short of hitting their wives, but instead wound them with words that cut deep into her heart and emotional make up. Many husbands are grown men with childhood scars that leave them wounded little boys for the rest of their lives. These same men are often emotionally unable to minister to the sensitive needs of their own children and thus a new generation of dysfunctional adults are born.

The individual is wounded, emotionally scarred and hurting spiritually. There is in America a vacuum of need in the individual's life. It may well be said that there has never been a time when this vacuum has been greater.

We have a Savior who can answer the needs of the individual, yet with this wonderful touch of God on our lives, we are all too often unable to transfer God's loving touch to the hurting, needy individual.

Where is the catalyst that will bring Christ to this hurting world? The catalyst is the Church, yet the catalyst is sometimes unable to accomplish her part. We have to ask ourselves, why? The disciples tried their best to shut Blind Bartimaeus up. They were so inebriated with their own relationship with Jesus that they almost angrily tried to shoo Bartimaeus away. Never noticing his need, they said, "Leave the Master alone".

The individual in America is an emotional mess, with wounds and scars that alcohol, drugs and psychologists cannot heal. The Church is this person's only hope. However, in the traditional church setting, the individual is not always wholly ministered to. Many people have needs that cannot be completely met in the traditional church service. If a silent poll were taken in the average church, I believe we would be surprised to hear what some people would say concerning their personal, spiritual and emotional needs being met.

In the Home Friendship Group setting, the individual has an opportunity to not only be ministered to, but to minister to others. The Bible does tell us to "edify one another". A true family unit is developed when adult members share in the responsibility of preparing food for fellowship times, praying & worshiping together, caring for the children of the group, and hosting meetings in one another's homes.

Storm the Gates - Part 2

In The Holy War by John Bunyan we find that for Prince Emmanuel to take back the city of Mansoul, he will go through the same gates that Diabolus took advantage of. In the first part, there were a listing of four of the captains and their first lieutenants who were assigned to go after the gates. From the analogy that Bunyan uses, these four men were preachers who were specifically going to gain a foothold in the Ear Gate.

The first captain is Captain Boanerges along with aide, Mr. Thunder. They all wore black and the insignia on their uniforms was three lightning bolts. They led a company of ten thousand men. Obviously, Bunyan gets his word picture from the description of James and John who were referred to as the Sons of Thunder by the Lord. They were men who appealed to the authority aspect of ministry.

For Mansoul to be redeemed, the gates will have to be stormed with authority. This brings up the question as to where a preacher gets his authority. This is not the contrived and manipulative power that comes from spiritual abuse but rather it is an authority that confronts the issue of sin and points to the way of redemption. For this kind of authority to come to a preacher’s life there are some key components that will have to be incorporated.

Before going further, here are the words spoken by Captain Boanerges:

Be it known unto you, O unhappy and rebellious Mansoul, that the most gracious King, the great King Shaddai, my Master, hath sent me unto you with a commission (and so he showed to the town his broad seal) to reduce you to his obedience; and he hath commanded me, in case you yield upon my summons, to carry it to you as if you were my friends or brethren; but he also hath bid , that if, after the summons to submit, you still stand out and rebel, we should endeavor to take you by force.

First, he will have to be a man who has an absolute confidence in the authority of the Scriptures. This means that he will have to believe that Scripture as we have it today is infallible (2 Timothy 3:16-17), inerrant (Psalm 12:6; 19:7-11; 119:140), authoritative (Psalm 119:89), and sufficient (2 Timothy 3:17). For the lightning bolts to be able to thunder from a pulpit, the man who is standing in that pulpit must have the belief that what he is preaching is literally the words of God.

Second, he will have to be a man who unwaveringly preaches those Scriptures. This means that a preacher ought to make a commitment to preaching through the whole of the Scriptures. He cannot afford to take a hodge-podge approach to preach here and there and cherry pick the texts that come to his mind but rather to make a commitment to work through books of the Bible and make them useful for the edification and equipping of the saints (Ephesians 4:12-14). We will have to clearly mark the thought that however the Word is handled in the pulpit will be the way the Word is handled by those who hear us. If you place a high priority on the Word, you shall discover that over time, the congregation will place a high priority on the Word also.