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.

If You Chase Two Rabbits

“If you chase two rabbits, you will not catch either one.” I found this old Russian proverb in the early pages of a recent book written by Gary Keller.  The title of this book, “The One Thing” jumped out at me above all the other titles on the shelf.  This concept of One Thing is totally foreign to me.  I have always thought myself quite adept at doing several things at one time.  I have done it all my life.  I learned this early in my working career.  In fact, the manager of the McDonalds restaurant where I found my first job told me, “The one thing you will learn and take with you from this job is the ability to do many things at one time.” It was not long before I learned first hand what he was talking about.  Since that day to this, I can rarely remember doing only one thing at a time.

There is in me a drive that feels like I am not being productive unless I am accomplishing several things at once.  Rarely do I ever do “One Thing”.  According to Keller’s book, doing more than One Thing is usually not the most productive or profitable way to conduct oneself. This book has some incredible insight as to how to stay on track and build momentum towards your goals, but for many of us preachers, doing more than one thing at a time is a way of life that we are unable to change. 

Most Pastors and ministers of the Gospel have families and ministries as well as secular jobs or businesses.  This creates a constant pulling in different directions that leaves us feeling tired, confused and even guilty that we are unable to accomplish all that we want to do in any of these areas.  We endlessly wrestle with our time constraints as well as our energy levels for each of these.

It would be very nice to do only One Thing Mr. Keller, but for the average preacher out there, this prospect of staying focused, is probably going to be a challenge for us beyond the pages of your book. 

The Top 10 Steps That Will Help Get You Unstuck

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 ten ways to shift from one to the other:

1. 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?
   
2. 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.
   
3. 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. (For those who are strongly goal-oriented, this may be tough to swallow.)
   
4. 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.
   
5. Do something – anything! When you’re stuck, taking any step puts you in a different place and helps change your perspective, even if it’s a wrong move! And, doing something could be a conscious decision to do absolutely nothing!

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.

Four Questions You Need to Answer

Every pastor, preacher, and minister should memorize these words that Paul shared with Timothy;

2 Tim 4:1-5 New Living Translation

1 I solemnly urge you in the presence of God and Christ Jesus, who will someday judge the living and the dead when he appears to set up his Kingdom:

2 Preach the word of God. Be prepared, whether the time is favorable or not. Patiently correct, rebuke, and encourage your people with good teaching.

3 For a time is coming when people will no longer listen to sound and wholesome teaching. They will follow their own desires and will look for teachers who will tell them whatever their itching ears want to hear.

4 They will reject the truth and chase after myths.

5 But you should keep a clear mind in every situation. Don't be afraid of suffering for the Lord. Work at telling others the Good News, and fully carry out the ministry God has given you.

Each time I read this letter I find myself asking these questions:

1. Am I prepared to preach; whether the time is favorable or not?

2. Am I able to correct and encourage my congregation with good teaching?

It's Mine! Mine! Mine!

I couldn’t believe it.  One hand gripping his toy.  The other clinched into a tightened fist.  He seemed ready to clobber anyone who came near enough to threaten his prized possession.  I don't remember what the toy was, but I'll never forget the spoiled defiance the child displayed as the parent tried to free it from his hand.

The toy was not his.  It belonged to another child.  The parent, embarrassed, was trying to retrieve it.  It was not going to come easy.  With feet stomping and face grimaced, he yelled, "It’s mine!  Mine!  Mine!  Mine!"

Spirits come against the Church in all forms.   Lust has destroyed many ministries and churches.  Jealousy had also brought down his fare share of great congregations.  Pride as well has been victorious over many of God’s elect.  The list goes on and on.  To say it doesn’t is to not face the reality that we are in a great war with evil.

There is another Spirit that has been shown to me of recent months.  His name is Mine.

Mine is a proud spirit.  In fact, he and Pride work very well together.  He does his greatest work in seemingly mature congregants.   He works to introduce the spirit of Possessiveness in people’s hearts.

How humble people are when they first come to Christ.  On bended knee we repent of past sins and plead with God for a new fleshly heart.  For weeks and months we are happy, just to be a part of the Kingdom.  Enjoying God’s blessings and the fellowship of his people, we start a wonderful new life.

Everything goes along just as Christ planned it for the new convert.  They are growing in newness of Life.  They are learning to trust Him and find healing for the wounds in their hearts.  Mine however, lurks in the shadows.  He hides, waiting for the perfect opportunity to pounce.  However, he has no chance as long as Humility fills the heart of the new child of God.

Pastoral Transitions (When Asked to Leave)

Making a change in pastoral ministry is challenging for any pastor and his family, even when they have chosen the time to make that transition. However, a staff pastor and family who are released from their present ministry and must make a transition to a new place of ministry face a different situation. Thus the question, “How should a minister respond, act, and live if he is asked to leave his pastoral ministry?”

Ministers have been released from staff ministry positions for various reasons: decreased church income, downsizing of pastoral staff, the phasing out of a particular ministry position or consolidating church ministries. Regardless of the reason(s) for ministry release, this type of transition can be traumatic to the pastor and his family. Because of the emotional, financial, spiritual, and family issues, this topic must be addressed to help ministers and their families who have been asked to transition from their church ministry. Having been through this type of transition myself as a staff pastor in the past due to pastoral change and staff downsizing, I share some insights that will help edify and support the minister and his family who are in transition.

The ministry family leaving a church may experience emotional stress, financial strain, grief, and a sense of frustration. The exiting staff pastor may question the effectiveness, value, usefulness, credibility, future, and potential of his ministry. Income may be an issue, especially if the staff pastor was the major wage earner in the family. There will also be the question of health insurance. Because health costs can be expensive, health insurance is a necessity. If a transitioning staff member lives in a church parsonage he may wonder, How long can we live here? These are just a few of the concerns that a transitioning staff pastor will be forced to address. What follows are a few suggestions that will help the transitioning pastor and family.

1. Affirm your personhood as a Christian.

God loves you. You, your ministry, and family are valuable to Him. He knew this change would take place before you were asked to make your transition. He has confidence that, with His help, you will make it and your future will still be bright. He knows this is a traumatic change that affects your life, finances, ministry, self-perceptions, spouse, and children.

2. Continue growing in your personal faith walk with God.

You will need to grow spiritually through this situation. Don’t become stuck on, Why is this happening to me? Instead ask,How can I grow through this situation and see glory brought to God?

How To Increase Giving In Your Church - Part 2

In his book How To Increase Giving In Your Church, George Barna gives several key principles for effective stewardship. Our challenge is to create an environment and facilitate a mind-set in which people want to donate money to the church for the right reasons. The following are some guidelines toward achieving that outcome.

Part 1 was offered in last weeks newsletter.

8. Dream big, pray big, ask big, minister big.

• No dream, no vision, no need, no ministry transcends the capacity of our Go. Sometimes we reflect our lack of faith in our unwillingness to let Him determine the vision, and in our refusal to truly believe He can accomplish incredible things through us.

9. Ministry donors do not just give; they invest.

• Set your sights high. Challenge people to do their homework, to evaluate all the options they have for stewardship and to behave as wise investors of funds. Once you investors have done their part, live up to your part of the bargain: Give them an unbeatable return on the investment.

10. Stewardship is a lifestyle, not an event.

• You may choose to sponsor fund-raising events, but always remind your people that stewardship is a way of living. As in dimension of our lives, if we take God's promises and admonitions seriously and develop habits that reflect those promises and admonitions, we will soon be able to transfer our focus from wondering if He will bless us for our faithfulness to amazement at how He blesses us.

11. Listen carefully, respond strategically, thank people sincerely.

• Good leaders listen to the people; they respond so that they hear in strategic ways, and when the people live up to the expectations placed upon them, sincere appreciation is one of the rewards and ongoing motivations for their continued involvement. Just as people give for the benefit of other people, so they also give in response to those who have demonstrated sufficient interest and concern about the donor to spark such generosity. The Holy Spirit gets the credit for inspiring people to give; and you must allow the Holy Spirit to direct your steps, too, as you interact with your donors.

What is Momentum?

Momentum is defined as “mass in motion.” All objects have mass; therefore, if an object of mass is moving, then it has momentum.

The amount of momentum an object has depends on two things:

1. The weight of the object that is moving.

2. The speed of the object that is moving.

In terms of an equation, the momentum of an object is equal to the mass of the object times the speed or velocity of the object.

Momentum can also be measured by its direction. This is called linear momentum because now it has direction as well as magnitude.

Momentum occurs when a force that is greater than the resistance to the object is applied.

Momentum is a conserved quantity, meaning that the total momentum of any closed system (one not affected by outside forces) cannot change. Here on Earth, gravity is the outside force that comes to mind for most of us. Gravity is the force that gives weight to objects and mass on Earth. The Earth's mass creates a gravitational pull on all objects near its surface. Anything on or near the surface of the Earth such as planes, trains, and automobiles, must use a force that is greater than gravity for them to begin to move, and to keep moving. Once they are moving, they have created their own momentum. In order to sustain this momentum, the forces that started that momentum must continue to operate, or momentum will decrease and eventually stop.

Momentum is a force more powerful than we realize and it greatly affects our lives. Yet, it’s not something that we consciously ponder or try to figure out.

As we address momentum in ministry, remember that it always takes an outside force for momentum to start, maintain, and to stop!

In these lessons, we will address and discuss the outside forces that constantly threaten the continuance of momentum in the Church.

The Force of Momentum

Momentum is a powerful force. Just as momentum works in the natural world, momentum works in our ministries and spiritual lives.

Yet, it is rarely talked about.

· The loss of momentum takes place in churches daily all around the world.

· This loss causes untold disappointment and frustration.

· A minister with great passion and vision will experience only so many disappointments and frustrations before they give in to discouragement, even doubting themselves and their calling.