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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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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.[ read more...]
This is the third installment in a series on spiritual abuse. The whole idea of spiritual abuse is a very troubling at best. The church was intended to be a place of redemptive recovery facilitated by the grace of God. When manipulative control moves to the forefront it can have a very harmful effect on the people who gather to worship. It also has to be established that spiritual abuse can take place in a reverse order. It can originate from the congregation in the form of a board of elders or a single influential member who controls the pastor through financial means or sometimes through psychological and physical intimidation. Increasingly one will find the reverse order in churches that once had to deal with a pastor who was spiritually abusive.
Spiritual abuse is defined as “the mistreatment of a person who is in need of help, support, or greater spiritual empowerment, with the result of weakening, undermining or decreasing that person’s spiritual empowerment.” It can be defined another way as “destructive and dangerous involvement in a religion that allows the religion, not a relationship with God, to control a person’s life. He also goes on to say, “People broken by various experiences, people from dysfunctional families, people with unrealistic expectations, and people out for their own gain or comfort seem especially prone to it.”Spiritual leaders who resort to this kind of activity may or may not immediately recognize the control they are exerting. The trend usually isn’t immediately recognized but as time passes the cycle of behavior manifests in a manner that has a horrific effect on people’s lives. Even worse is the leader who acclimates himself to a state of denial of his own personal responsibility. To compensate for the increasingly unsettled environment, he may begin to assign all of the spiritual shipwrecks of the past as those who were “wolves” or “rebellious.”
As I filtered through all of the material concerning spiritual abuse, I jotted down a series of questions concerning not just the church but the leader too. They were based more on a rhetorical nature that did not so much require an answer but rather an evaluation of the spiritual health of the place where this activity is taking place.
• What does spiritual abuse do to those who worship there? How does it affect their sense of worship and understanding of God?
• Can God have freedom to transform and can grace really do an adequate work in this atmosphere where fear, intimidation, and manipulation prevail?
• Can true spiritual growth and discipleship take place in this setting?
• What do the actions of the pastor have on his soul in the long term? This was a very troubling question to me personally. What dark things begin to take place in the soul of the pastor who exerts force in such a way that he is never challenged and held to a standard of accountability himself?
• Are his actions motivated by pride of place or position?
• Has he moved from being an under-shepherd to a lord over God’s heritage? Such spiritual abuse literally takes the place of God in the working of the church.
• Is there a sense of the grace of God reflected in any of the public ministry of the Word?
• Is there an attempt to place heavy weights on the people he is called to shepherd?
• Does he empower people to live in a venue of spiritual growth in a public setting as well as within the private confines of the heart?[ read more...]
If you are like most Christian church and business leaders you have already discovered that "quick-fix" leadership solutions simply do not work.
At best they are Band-Aids that only temporarily mask the real problems. Perhaps you also have experienced the frustration experienced after spending precious dollars to attend conference after conference and realizing that the motivation received wore off shortly after returning to the real world at home. Or maybe you are one of the countless leaders who visit the bookstore for the latest catchy title, only to buy another book that never gets finished and simply winds up looking good on the bookshelf behind your desk. Impressive but ineffective.There is a solution to the leadership dilemma. For many pastors the real solution is less costly than hosting an evangelist, or for a business leader to hire a consultant. The real solution is one-on-one live mentoring with a gifted and seasoned professional who is focused on you and your needs.
Dr. Fred Childs is highly solicited by Christian church and business leaders for personal mentoring. He offers invaluable understanding, insights, and solutions to leaders on a wide range of topics.ChurchMentor.net has an inexpensive monthly membership fee that introduces its members to an abundance of relevant leadership materials in written, audio, and video formats. However, now the services being offered are expanding to include live mentoring as well.[ read more...]
It's not unusual to feel stuck, trapped, and unable to move from a situation you feel is stifling. Actually, it's part of life and growth. But getting "stuck in" and "growing through" situations are different. Here are some ways to shift from one to the other.
- Step back and ask yourself what's really going on. When you're caught up in the stuff of everyday life, it's easy to lose objectivity. It's good to set aside a little time each day to challenge the obviousness of what seems to be going on. Is there a lesson to be learned that you are missing? Might that setback really be a step forward? Will things really turn out as badly as you think they will?
- Consider whether what's happening has happened before. Is this a unique situation or is it just another example in different garb, of an issue you've failed to confront before? If it's the latter, maybe now's the time to solve it and move on.
- Assume that present events and circumstances may be less of a "problem" than parts of a larger "process." There's a fair case to be made for the notion that, in this life, all is process rather than result. In other words, what this life is really about is growth and learning. Viewed in this light, where you're heading is not as important as how you choose to get there.
- Ask yourself what you can do next. It's the small steps that lead to successful journeys. Don't get sucked in by the suggestion that you've got to solve it all today.
Five ways to know whether or not your plan is working.
First let me establish what growth is; Growth takes place when a sinner is converted into God's Kingdom. Transferring members is recycled growth. Growth takes place when the church goes out into the harvest field (world/community) to gather the harvest (sinners).
The church is not of the world but we are the "'light of the world." We have been placed here to do the work of the Kingdom. Jesus called us a city set on a hill and the salt of the earth. We have been placed in this world to let Jesus Christ shine through us;
5 As long as I am in the world, I am the light of the world.
14 Ye are the light of the world. A city that is set on an hill cannot be hid.
15 Neither do men light a candle, and put it under a bushel, but on a candlestick; and it giveth light unto all that are in the house.
16 Let your light so shine before men, that they may see your good works, and glorify your Father which is in heaven.
14 I have given them thy word; and the world hath hated them, because they are not of the world, even as I am not of the world.
15 I pray not that thou shouldest take them out of the world, but that thou shouldest keep them from the evil.
16 They are not of the world, even as I am not of the world.
17 Sanctify them through thy truth: thy word is truth.
18 As thou hast sent me into the world, even so have I also sent them into the world.
19 And for their sakes I sanctify myself, that they also might be sanctified through the truth.
Jesus is interested in Kingdom growth (converted sinners). His plan is that all would come to repentance, this is the will of God. True growth is not budgets and buildings, but it is souls added to the kingdom. Every church must have a plan to add souls to the kingdom. If you do not plan for this to happen then it is not going to happen. Some plans succeed, others fail. The question is, do you have a plan, and is your plan working?[ read more...]
“You know you are a leader if you look behind you and people are following you.” There are many leaders who have people following them, but the leader is not leading them anywhere.
All too often, the leader himself is not being led. It is a shame when a leader is unwilling or unable to be led of the Holy Spirit. It is a tremendous loss of potential to the Kingdom. As well, those who want to follow that leader become discouraged as their willingness to be led turns to disillusionment.
A leader who refuses to move in the direction God would lead him lacks the courage to see beyond the obstacles in his way. Someone who’s intent is to wait until circumstances are perfect before he moves forward, will never move. There will always be some obstacle between where you are and where you want to be. Moses and the Children of Israel are the perfect examples of people who had a clear vision of where they felt God was leading them. They found that there were going to be many walled cities and giants they were going to have to face before they arrived at their place of promise.
Courage is not the absence of fear. Courage is the willingness to face your fear and move forward in spite of the uncertainty or risk.[ read more...]
One of the perceived obstacles to winning people to Christ is that the convictions we hold are not attractive to the world. I beg to differ with that. If the convictions we hold are no different than those of the world then why would they want what they already have? Why would they be attracted to what we have? Attraction, by definition, means to draw an object away from one thing towards another. The law of attraction states that the force doing the attracting has to be greater than the force holding back.
What we have is much greater than what the world has;
1 John 4:4
4 Ye are of God, little children, and have overcome them: because greater is he that is in you, than he that is in the world.
Still, there is this perceived notion, that what we have is not what this world wants. Even though we know what we have is greater, the world doesn't know. They will not be attracted to what we have unless they can see it for themselves.
In 605 BC, the Babylonians invaded Jerusalem. Instead of destroying the nation, Babylon decided to destroy Israel's identity and culture. They turned Israel into a slave state. In the process of doing so, they selected the most promising children of Israel and shipped them off to be immersed into Babylonian culture.
At least four of these children were taken to the king's palace. Daniel was one of these four. He would be given and new name, a new wardrobe and taught a new language. Daniel did not protest these changes to his identity. Who could blame him? It seemed as if God had abandoned him.
Then the king asked one more thing of Daniel;
5 And the king appointed them a daily provision of the king's meat, and of the wine which he drank: so nourishing them three years, that at the end thereof they might stand before the king.
This is where Daniel drew the line. Consuming the king's meat and drink meant that Daniel would be eating meat offered to the false gods of Babylon. He would not have any part of it. So Daniel asked the chief of staff for permission not to eat the king's food. This presented a serious problem for the chief of staff. He was responsible to the king for these four boys. If he gave this permission and they became pale and thin, the king would have his head. This man was not attracted by Daniel's conviction. In fact, he wanted nothing to do with it.
Daniel responded to this in unique way. We can all learn from what he did;
Dan 1:11-15 NLT
11 Daniel spoke with the attendant who had been appointed by the chief of staff to look after Daniel, Hananiah, Mishael, and Azariah.
12 "Please test us for ten days on a diet of vegetables and water," Daniel said.
13 "At the end of the ten days, see how we look compared to the other young men who are eating the king's food. Then make your decision in light of what you see."
14 The attendant agreed to Daniel's suggestion and tested them for ten days.
15 At the end of the ten days, Daniel and his three friends looked healthier and better nourished than the young men who had been eating the food assigned by the king.[ read more...]
"Verily, verily, I say unto you, He that believeth on me hath everlasting life. I am that bread of life. Your fathers did eat manna in the wilderness, and are dead. This is the bread which cometh down from heaven, that a man may eat thereof, and not die. I am the living bread which came down from heaven: if any man eat of this bread, he shall live for ever: and the bread that I will give is my flesh, which I will give for the life of the world." (John 6:47-51)
At the beginning of this chapter in John we find Jesus feeding a multitude of people. This multitude of people had followed Jesus because they saw all of the miracles that He had been doing. He had been healing the sick everywhere he went. After a while, this group of people were getting hungry. Jesus asks Philip where they could buy bread, although Jesus already had a plan about what He was going to do. While they were talking, Peter's brother, Andrew, mentioned that there was a young boy who had brought his lunch of five loaves of bread and two small fish. Jesus told the disciples to sit the men down. When they sat them down there were about five thousand men. Jesus takes the loaves of bread, gives thanks and distributes it out to the disciples to give to the men. Afterwards, when all were full, they gathered up the leftovers and filled up twelve baskets. Jesus leaves from this place and crosses over to Capernaum. The people finally realize that Jesus and the disciples have left. They get in their ships and go to Capernaum and find Him there. Jesus turns and says to the multitude:
"Verily, verily, I say unto you, Ye seek me, not because ye saw the miracles, but because ye did eat of the loaves, and were filled." (John 6:26)
Jesus was telling this multitude that they were seeking Him for the wrong reasons and ultimately, for the wrong bread. He then tells them that He is the bread of Life. And when you eat of that Bread you will never hunger again.[ read more...]
Last week, time was spent on the Barnabas Blog with a series of posts called “Guard the Gates” and how important that our minds are in this spiritual battle that we are involved in. Late last night, I was mulling over the next series of things to write about that might bring a little inspiration to those hearty souls who are involved in ministry. During that time of productive meditation, I was drawn to another theme from Bunyan’s The Holy War that sort of lodged in my spirit.
Early on in the taking of Mansoul, Bunyan pulls us in with the majesty of his word pictures when he tells us that Captain Resistance was one of the chief men of the city who had great influence. As he tells us of the approach of Diabolus in attacking the Eye Gate and Ear Gate, Captain Resistance gets up on top of the walls of the city. From that high point, one of the deadly archers of Diabolus shoots him off of the wall with an arrow to the head. Obviously the word picture gives us the idea that Captain Resistance is a godly pastor who is preparing to shout his warning from the top of the wall. When he goes down, the whole city soon falls to the evil hordes of Diabolus and his minions.
After the capture of the city, Prince Emmanuel determines that he will attack the city in the same manner that Diabolus managed to breach the place. He will attack by the Eye-Gate and the Ear-Gate; however, Prince Emmanuel determines to put a huge amount of energy of his attack into the Ear-Gate. So begins the journey of recovery for Mansoul. The four captains are all preachers whose voices will assault the Ear-Gate so the citizens within will be able to turn the tables on Diabolus.
• Captain Boanerges—He was the leader of the others. He was the strongest of all of them and his first lieutenant was Mr. Thunder. They all wore black and the insignia on their uniforms was three lightning bolts. In all four companies were ten thousand men.
• Captain Conviction—His first lieutenant was Mr. Sorrow. Their uniforms were pale and their insignia was the book of the Law that issued a flame of fire.
• Captain Judgment—His first lieutenant was Mr. Terror. Their uniforms were red and their insignia was a burning fiery furnace.
• Captain Execution—His first lieutenant was Mr. Justice. Their uniforms were also red and the insignia had a fruitless tree with an ax lying at the root of the tree.[ read more...]