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.

Not Too Far From Home

As pastors and spiritual leaders we have many things on our plates.  We have schedules, deadlines and appointments to fulfill.  Our calendars are filled up with church meetings and conferences before we even get a chance to plan a family vacation.  We run out of room to write in our daily planners.  We are busy with Kingdom work.  We are constantly about our Father's business.  It would be all too easy to just quit and justify our quitting with being "burnt out."  However, if we could see with our spiritual eyes just how close we are to reaching our final destination.  If we could know exactly how close we are to the coming of the Lord, we would work faster and harder than we have ever worked before.  We would load up on Bible studies and go teach our whole neighborhood the Word of God.  If we could only see!

In 1952, young Florence Chadwick stepped into the waters of the Pacific Ocean off of Catalina Island, determined to swim to the shore of mainland California.  She'd already been the first woman to swim the English Channel both ways.  The weather was foggy and chilly; she could hardly see the boats accompanying her.  Still, she swam for fifteen hours.  When she begged to be taken out of the water along the way, her mother, in a boat alongside, told her she was close and that she could make it.  Finally, physically and emotionally exhausted, she stopped swimming and was pulled out.  It wasn't until she was on the boat that she discovered the shore was less than half a mile away.  At a news conference the next day she said, "All I could see was the fog... I think if I could have seen the shore, I would have made it."

Shared Values Make A Difference

People work better when they are working towards the same goal.  When agendas or expectations differ, confusion often wins over production.

Take the time to get people on the same track.  Taking the time to educate and motivate people towards the same agenda will pay dividends.   You may want to start a project or ministry today, but consider that this vision may be for a future date.  God sometimes speaks to leaders about things we think are for today, but in reality, they are events God would cause to happen in the future.  Take the time to educate people and cause them to come under the same burden and vision that you have. This will make the process much easier once God’s plan begins to unfold.

Create teams.  People work better when they have someone else to lean on now and then.  A team can encourage each other and help to share burdens.  This also allows people who are inexperienced and who would otherwise be unable to get involved the opportunity to gain experience.  They may later be able to lead a team of their own.

Pastor/Leader – explain your vision thoroughly. Most people want to follow their leader’s vision.  This is absolutely necessary in the church.  Differing visions can kill revival in the church.  “One Vision” should be the theme of every new venture of the church.  When people are following the Pastor’s vision, their own agenda does not get into the way.

Seven Challenges Every Pastor Faces

2.     Getting everybody on board and keeping them on board. We all start out great, but it is a constant struggle to keep people motivated and focused.

3.     Causing people to change and grow can be exhausting spiritually, mentally and physically.

4.     It seems like the attack of the enemy in the spirit realm is greater since I have been a pastor.

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. 

When Taking Up the Offering

Here are a few things to remember when taking up the offering.

Don’t be timid or embarrassed to ask people for money.   It takes money to make ministry happen. 

Teach your people to give financially to the church.  You are robbing them of a tremendous blessing if you are not teaching them to give tithes and offerings.   It is the job of the ministry to instruct people how to give financially to God’s work.

Be the first to give.  Instruct your ushers to take the offering from the platform first.  The Pastor should be the first to give and then anyone who is seated on the platform.  Preachers, musicians, singers, everybody should be instructed to be an example in giving in every service.  Rule number 1 – If you are on the platform, you must give in every offering.  (This serves as an example to the rest of the congregation.  You will be amazed at the increase in offerings when your congregation begins to notice the leadership of the church being the first to give.

Tell the ushers to slow down – Recently I visited a church where the ushers went so fast collecting the offering that people did not even have time to get their wallets out before the ushers were finished.   Slow them down.  People need time to dig deep.

Time Management

Today I yield the floor to one of my mentors. Dr. Fred Childs is a leading church consultant, organizational development expert, and leadership authority. He and Monica reside in Pearland, Texas. Dr. Childs ministry of leadership development within the church has transformed my ministry through the years.

His books and training material have revolutionized hundreds of churches and ministries. His personal testimony is one of many miracles with a very powerful pulpit ministry.

In the last decade, Microsoft introduced its Windows 95 operating system. As one of the many who utilized this software, I would routinely sit and wait the few minutes for my computer to boot up. I never pondered the immense importance of these wasted daily minutes until I participated in a corporate time management seminar in 1996. I was shocked to discover that the cumulative total of the time wasted as individuals waited the few minutes for Windows 95 to boot up exceeded ten thousand man years per day!

Time is valuable. In training and facilitating several thousand professional and corporate teams, I have documented millions of dollars in bottom-line savings and multiplied productivity simply by eliminating the wasted time from the operating processes used to manufacture goods and produce services. The root cause of the rise or fall of many organizations is their ability to manage time efficiently and effectively.

Time is life, and it is perhaps our most precious resource. It can be a tremendous friend or foe, and it is ours to do with as we please. Every moment should be cherished, for it is a commodity that can never be replenished. It is used once and then it is gone forever.

One of the greatest keys to effective leadership is the proper utilization of time resources. There is no greater example of time mastery than the life and ministry of Jesus Christ. Scriptural study cannot reveal a single wasted minute in the life, ministry and actions of Jesus! A tremendous example of His personal mastery over time and priorities was in the account of Lazarus. John 11:6 says, “When he had heard therefore that he was sick, he abode two days still in the same place where he was.”

Reducing Organizational Costs

The fundamental purpose for organization is to coordinate a system of talents, resources, and operating structure toward the purpose of attaining a shared corporate vision.

It must be understood that in the pursuit of a vision an organization can be either a benefit or a detriment. In its purest form organization is merely a tool to achieve a specified purpose. Since it is merely a tool the organization can be changed or modified at any time. If it is achieving its purpose then simply improve it as needed along the journey. If it is hindering the purpose one must always remember that as a tool it can be modified or redesigned at any time in order to fulfill its essential role in vision attainment. Simply stated, organization can be a blessing or a curse, an enabler or a hindrance.

One of the stark contrasts between God and man is that God always organizes by creating organisms, and man organizes to create organizations. Since an organization is a tool and is organized by man it can never be allowed to take on the form of a holy thing.

The perfect Biblical illustration occurs when the children of Israel were being plagued and bitten by fiery serpents and dying. Numbers 21:7-9 says:

7 Therefore the people came to Moses, and said, "We have sinned, for we have spoken against the LORD and against you; pray to the LORD that He take away the serpents from us." So Moses prayed for the people. 8 Then the LORD said to Moses, "Make a fiery serpent, and set it on a pole; and it shall be that everyone who is bitten, when he looks at it, shall live." 9 So Moses made a bronze serpent, and put it on a pole; and so it was, if a serpent had bitten anyone, when he looked at the bronze serpent, he lived.

NKJV

God allowed the structure of the brass serpent to fulfill a designated purpose. However, after the purpose was fulfilled, the people should have destroyed the brass serpent, but they did not. Later it became a curse to them, because when Hezekiah began to purge the kingdom of idolatry the Bible says in 2 Kings 18:4:

KJV4 He removed the high places, and brake the images, and cut down the groves, and brake in pieces the brasen serpent that Moses had made: for unto those days the children of Israel did burn incense to it: and he called it Nehushtan.

Anytime an organizational tool becomes elevated to the role of a holy thing it then becomes an idol. Organizational idolatry is as real as any other form of idolatry. Once the tool has fulfilled its useful purpose and intent and is no longer relevant it must be discarded. Otherwise the tendency of people is to elevate it and reverence it beyond its original intent. 

Normally an organization begins when a small group of people unite around a common and shared vision. As success occurs, support positions and processes are put in place to forward the progress and maintain momentum. However there is a great risk in growing the organization, because there can come a point in which it cost more time and resources to maintain the organizational system than is expended on pressing toward its vision and purpose. At this point the organization begins to atrophy. At best it becomes stagnant and unresponsive to change as a slow but inevitable death begins to overtake it.

The only way to offset this is to keep the organization relevant, fresh and flexible. One way of doing this is to continually focus on minimizing absolutely all non-essential operating costs of the organization. There are several layers that must be considered when reducing operating costs.

Formula for overcoming failure

Recognize

What is failure? Is it permanent? Is there a second chance? Complete the sentence by circling the right phrase “a person is a failure when…”

1. He makes a mistake;
2. He quits;
3. Someone thinks he is.

Review - Failure should be a teacher, not an undertaker. It is a temporary detour, not a dead end street. A winner is big enough to admit his mistakes, smart enough to profit from them and strong enough to correct them.

Repress - Perhaps your own personal problems and hang-ups caused the failure. If so, begin to work immediately on self-discipline. If you were the problem, put yourself under control. Lord Nelson, England’s famous naval hero, suffered from seasickness throughout his entire life. Yet the man who had destroyed Napoleon’s fleet did not let illness interfere with his career.