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Money Matters - Basic Causes Of Financial Difficulties
By: Aubrey Jayroe
Most people have problems with finances, but they just don’t know why.
According to the latest surveys, over one-half of all families in America are presently experiencing financial difficulties. And the real truth is many do not seem to know why they are having these difficulties. If these type problems are so common, then it would be important to understand the reasons they exist.
The following is a listing of some reasons of financial difficulties. This listing can be a means of educating oneself in these most critical areas.
- 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 the Bible and start an in-depth study of the guidelines and principles in the Word of God.
- Failure to identify priorities. A person and family must identify their priorities if they are ever going to be successful in their financial life.
- Failure to discipline. This horrible word causes people more problems than anything else in the world. Discipline must be exercised in every phase of a person’s life and in the world of finances it is critical.
- Failure to establish goals. A person who has no goal is a person without direction. A person without direction is going nowhere. A person must establish the financial goal for themselves if they ever want to arrive at a successful financial position in life.
- Failure to control spending. A written control is necessary to control impulsive spending. Limits must be established and kept.
- Failure to establish a budget. A budget is not a nervous breakdown on paper. It is a clear guideline of where your money comes from and where it goes. Do not negate the importance of a written budget…it is vital to anyone’s financial success.
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Ever had one? One of those days where you wish you would have stayed in bed? I had one last week. Well, actually I had two of them in a row. My boy Jeremy had just gotten the cast off his arm from the break he received when he fell out of the tree 2 months ago. So, Thursday evening, we decided to take our dirt bikes out and go riding. We had ridden about an hour when Jer flipped his bike on a jump and it landed on his foot, thus breaking it. So to the house we go to get a few things before we head to the emergency room. Before we leave the house though, we should let Molly out. Molly is our 5 pound Maltese. The baby of the family. She is almost ready to come into the house when the neighbors dog comes over and mauls her. She wasn't hurt badly, only bruised and frightened, but we don't have time to comfort her because Jeremy is needing to go get X- rays. This has turned out to be a very bad day.
I wake up Friday morning, thinking, O. K. the worst is behind us. It's a brand new day, right?! Wrong. All I did was turn my head and sneeze. That's all. But now my neck has gone into a spasm and the vertebrae are out and I can't move my neck in any direction more than an inch without causing excruciating pain. So I lay on the bed for an hour. Unable to move. (6 days, and 2 chiropractor appointments later, I'm still in pain.) Boy this is starting out to be a bad day. Unable to get an appointment with a chiropractor, I suffered though a very painful day at the computer, with set back after set back on site development. Finally after a long, frustrating, painful day, my wife and I (still suffering) go to bed hoping tomorrow will be better.
Two hours later the phone rings. It's Kristi, our 17 year old. She was driving back from church camp, a 2.5 hour drive from Indianapolis and fell asleep at the wheel. All she could tell us was that she was in a wreck. She didn't know where she was at and the car is totaled. We asked her if anyone had stopped to help her. "No". "Do you see any road signs?" Frantic and in shock, she replied in tears, "No, I don't know where I'm at." I cannot tell you how fearful my wife and I were. Not only were we not able to tell the police where she was, but we really did not know her condition since she was in shock and unable to tell us very much.
Guessing her time of departure and the approximate distance in the trip, I called the State Police and told them the situation and to look for her on Route 65 between Rensselaer and Lowe, about a 60 mile stretch. Amazingly the phone rings 10 minutes later and the fire department has found her 1 mile off the exit ramp from Rensselaer To our relief she is bruised, but ok. God really had his hand on her. She hit the guardrail at around 65 MPH, completely destroying the guardrail and totaled out the car.
But God is good isn't He! At the end of a second very bad day, I got to hold my baby girl in my arms and thank God for keeping her from certain death. Holding her, I realized that by all rights, we should be in a hospital room seeing the worst.
We can complain about the neck spasms, dog fights, broken bones, and bad days at the office, but when it's all over we really just need to stop and thank the Lord for breath. Thank Him for our children. Thank Him for a job, any job. We would complain about the old junk car that we are driving, but we need to notice the old lady walking home from the grocery store with bags in her arms and a long walk ahead of her. How blessed we really are.[ read more...]
What does sustaining hope mean to you?
We live in a world of epidemic uncertainty from politics to the financial world. Even religious views and positions have taken changed dramatically in recent years. Ours is a world with changing opinions and attitudes about God and His church. How people thought about the church 20 years ago is much different than how their children feel about it today.
How does one stay resolute in Hope? Those who feel a call of God to preach His Word to this ever-changing world should guard themselves from the elements that would discourage or dissuade them from the call to "sustain hope."
Sustaining hope means being encouraged when everyone else is discouraged. It means keeping your head up and showing people faith even when situations look their darkest. But, how does one stay encouraged? How do they keep that positive mental attitude when life is hitting them the hardest?[ read more...]
Few people will deny the theory that a local church stops growing as the size of the church building reaches 80% capacity. The reason for this is purely human and not so spiritual. Most people simply will not tolerate feeling crowded in the pews. Using chairs instead of pews helps this problem somewhat, but eventually the congregants feel like their space is being invaded and they soon become uncomfortable. However this is not the biggest reason why churches plateau and stop growing.
We use the analogy that a fish will only grow to a certain size in a small fish bowl but in a larger pond for instance, the fish can grow much larger. I’m not so sure however that God’s church should so easily be compared to a fish. I suggest that the building is not necessarily the problem in most cases. In fact, we have all seen churches who were literally bursting out at the seams. In many parts of the world today, revival is happening at an unprecedented rate. Pews are packed and chairs are in the aisles. Some churches are utilizing 2-3 services per day to accommodate the crowds.
While it is true that most people don’t like to be in a crowded atmosphere, it is also true that people will come when they are being fed. Jesus asked Peter, “Do you love me Peter?” Peter responded in the affirmative and when he did, our Lord told him to “Feed my sheep.” He did not tell Peter to house them or get them plenty of exercise. He told him to “Feed Them”.
People who are starving in the natural will do everything they can to get even the smallest amount of food or water. Something within them drives them on as they struggle to find something to fill their belly. It is very sad that much of our world’s population goes to bed hungry and starving every day.
We are also living in a day when people are starving spiritually. People are eating almost anything that comes along spiritually speaking. Truth is often ignored in the famished rush to simply fill the starving spiritual belly. People don’t care what you are preaching, just so it answers some of the gnawing that is in their heart and soul. An alcoholic will receive the five (or is it six) step program and ignore the friend who is telling him about the delivering power of the Holy Ghost. Why is that? He’s hungry. He wants whatever is going to fill his spiritual belly. Mentally he makes the decision to do what is simplest and easiest to fix his spiritual problem. That couple in the divorce court often don’t care if you say God is 3 or God is 1. They are looking for the thing that is going to keep their family together.
What’s the greatest church growth program you could have this year? Feed His sheep. People won’t mind sitting closer to one another when your ministry is holding their family together. When the Holy Spirit is the element that is behind every song and every sermon, people will crowd in to see and hear what is going on.[ read more...]
There are many different ways to lead God's people.
- Visionary leader - These leaders have a crystal-clear picture of what they want to happen. They cast visions powerfully and possess indefatigable enthusiasm to pursue the mission.
- Directional leader - The directional leader can carefully assess the values, mission, strengths, weaknesses, resources, personnel, and openness to change of an organization - then point that organization in the right direction.
- Strategic leader - A strategic leader forms a game plan everyone can understand and is able to get various departments synchronized and focused toward the goal.
- Managing leader - These leaders possess the unique ability to establish mile markers on the road to the destination, then organize and monitor people, processes, systems, and resources for mission achievement.
- Motivational leader - These leaders possess insight into who needs a fresh challenge, additional training, public recognition, and an encouraging word or a day off.
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Without fail, every time I fly, I am amazed at what I can see from the window of an airplane. Whether it is scenic mountains and lakes or large cities, I love to see the view from above the world.
I live about forty miles from Chicago and I drive the Chicago highways quite frequently. What a horrible mess they are. Often it takes two hours or more to get from one side of the city to the other. Many times I have sat in bumper-to-bumper traffic wondering what the problem is and promising myself that I will never drive that highway again. Yet, when I fly over the city I can see all of the highways at the same time. I can point out all of the trouble spots in just a few moments. I can see the bottlenecks, I can see the accidents. New perspective is gained.
If you have been through Chicago more than once, you have probably heard of the 'Hillside Strangler'. It is a notorious section of highway near the town of Hillside where two interstates and a road merge into a single lane to enter the Eisenhower Expressway. It has long been dubbed one of the worst traffic bottlenecks in the world. It will literally stop you dead in your tracks where you won't be able to move for a long, long time. A few years ago they spent over a 100 million dollars to fix the problem. They widened the entrance to three lanes. However, after all of the time and money they spent to fix this, the traffic flow is only slightly better. People are just as frustrated as before. When you see this area from above, you can see that the congestion has only been pushed further east. The problem is easily seen from the sky, three lanes are not enough for this traffic merger, and they need more lanes stretched out over more distance. The estimated cost to rebuild this section of highway is now well over one billion dollars.
It is amazing how crystal clear the answers are when seen from above. The perspective one can receive from the skies is like receiving new revelation.
During a time of terrible persecution and uncertainty, the Apostle John was banished to the Isle of Patmos. There was no way out. Facing the darkest hours of his life, John had many questions on his heart. He couldn't think his way out. He couldn't see his way out. Though he lived to an old age there, he didn't know he would do so at the time.
However, Jesus knew some things John didn't know. Jesus was about to invite John up into the heavens. Jesus wanted to give John some new perspective and some fresh insight.[ read more...]
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
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.[ read more...]
The carpenter relies upon his tools to be correct for whatever job is being done and, also, that his saw is sharp and the proper cutting type. No real builder of various items would even think about doing quality work without the best of tools to aid his efforts. Consider what type of music would come to the ear, if the wrong instruments were played for certain parts, or worse; the instruments were out of tune or broken down - guitars missing strings, a drum with a hole in the skin, violins with loose strings, a trumpet clogged, and so on. Without the instrument being correct and in good shape, the person working or playing could not be able to perform at peak. Now, consider the same truth with regard to God and His saved vessels.
We are the instruments that God plays upon, works through and, if we are in terrible condition, or out of tune with His purposes, what can we ever accomplish for Him?[ read more...]
Matthew 5: Blessed are the pure in heart: for they shall see God.
“Pure” as it is used here in the original Greek is katharos. Katharos is pronounced Kath-ar-os. It means of uncertain Affinity; clean (literally or figuratively): clean, clear, pure.
Jesus declared to the people that day that if someone was capable of having, keeping or obtaining a pure heart, that they would see God someday.
It is the desire of every believer that, one day, they would see God.
However, the enemy of our souls has a desire too. His desire is to keep us from seeing God. Both in this world and in the next. His attempt is to cause us to lose our pure hearts.
One thing that I have found to be universal amongst new converts/believers is the pure heart that the Lord gives to them.
As newborn babes in Christ, their hearts are open to receive anything that the church has to offer them. They trust the ministry and they trust their newfound church family.
Their hearts are pure. Their motives are pure. Their intensions are pure. They are simply thankful to be saved and are happy and content to be a part of the Family of God.
These people are the source of revival in the church. They are usually the ones who bring new people to the church. They tell all their family and friends about what the Lord has done for them. They are not afraid or ashamed to declare their Love for God or what He has done for them.
What makes these people so important to a community’s infiltration of the Gospel?
What makes these people so valuable to the growth and continuance of a church in a given city?
Their pure heart.
- A heart that is pure is capable of loving someone who is unlovable.
- A heart that is pure is able to look beyond a person’s faults and see their potential greatness.
- A heart that is pure has no selfish motives. It only wants to bless those around it.
It labors for the Lord because it loves the Lord and the people who surround their life.
This person is not perfect. They are still human. They still make mistakes. They still sin. But Jesus said that because their motives were correct and their heart was pure, that they shall see God.
So it seems paramount that a believer in Jesus Christ should seek to have and maintain a pure heart.
Jesus said in Matthew 11:29, “Take my yoke upon you, and learn of me; for I am meek and lowly in heart: and ye shall find rest for your souls.”[ read more...]