Money Matters - Basic Causes Of Financial Difficulties

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.

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 the Bible and start an in-depth study of the guidelines and principles in the Word of God.
2. Failure to identify priorities.  A person and family must identify their priorities if they are ever going to be successful in their financial life.
3. 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.
4. 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.
5. Failure to control spending.  A written control is necessary to control impulsive spending.  Limits must be established and kept.
6. 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.

I Need help!

I Need Help!
 
I am a pastor just like you. It’s Monday morning again and we had a great Sunday service yesterday. The Lord moved in a special way; people's lives were touched and changed. We even baptized someone this week, yet it already seems so long ago and so far away.
 
There are so many things going through my mind today. I feel like the enemy is trying to sift me like wheat. I don't know where to start. I have meetings to organize; leaders to train; sermons to prepare; Bible studies to teach; sick saints to visit; visitors to follow up on; letters to write; calendars to schedule; calls to return; counseling to conduct; a baptismal to fix, along with many other things--not to mention my own personal prayer and devotion time. Needless to say, I am feeling overwhelmed.
 
Wait…maybe I can postpone some of these things until next week? Then again, I know that hell hasn’t postponed her plans; in fact, hell is enlarging her borders today. If I delay, hell is gaining ground in my city and my city still needs to hear the Gospel message. I need help in a bad way!
 
Do you feel under-accomplished and overwhelmed with your calling? You’re not alone. Most, if not all, pastors and leaders feel this way on a regular basis.
 
Now before going any further, let me clarify. This is not an article about organization and restructuring; nor is it about adjusting priorities or time management. Although all of these issues are important, you have probably already been there and done that. The kind of help that I am suggesting in this article is “people” help. We need our people to help us but we must reveal our needs to them first. We need help!
 
As pastors and leaders, that is our heart’s cry. We look at our brethren with larger churches and think: Our church would be just as successful as theirs if only I had the kind of help that they have.  Sound familiar? I hear that kind of talk often and, in all honesty, it’s beginning to bother me. After all, is this not God's church? Are we not all laborers together? The large church needs help just as much as the small church and vice versa. The needs and challenges vary from congregation to congregation, yet we all need assistance.
 
 
Luke 10:2
 
2 Therefore said he unto them, The harvest truly is great, but the labourers are few: pray ye therefore the Lord of the harvest, that he would send forth labourers into his harvest.
 
No one is going to find help for you; you must find it yourself. It is the pastor's obligation to train up workers to assist. Most of the time, our help is already in our pews; yet, the reason the laborers are few is because we fail to make disciples of our people. The least likely helper to you might be the most likely helper in God’s eyes.  “God uses the foolish things of this world to confound the wise.”
 
Every person in our pews can do something for the Kingdom. One thing more that they do is one thing less that you have to do. The challenge sometimes is just seeing people in a different light. I have tried to put blinders on my eyes when it comes to seeking help. God sees things that we can't see, and if we would simply trust God to transform the lives that He has already given us, we could accomplish a lot more for His Kingdom.

Some things to consider when planning church activities.

People are very busy, don’t burden them with mere activities.

• Many full time church leaders do not understand the time constraints of the working saint and their family.
• Many homes are two income homes where families seldom have time for one another. 
• God and church should be at the center of our lives, however church leadership needs to realize that people need a break once in a while as well. 
• We live in a different world than we did 30 years ago and the family unit is suffering as a result. 
• It would be a good exercise for church leadership to see how they can cut the church calendar 20% by removing unproductive activities. 
• Often a meeting can be held shortly after church rather than have people set aside another evening of the week to attend.

Church activities should have a purpose.

• Just because you did it last year is not a good reason to do it this year. 
• Kill the sacred cow! 
• Does the event promote evangelism? 
• Will souls be won as a result of it? 
• Will the body be strengthened because of this event? 
• If not, consider something that will or give them a break by deleting that event and moving on to the next one.

Don’t have a meeting just to have a meeting.

• If you have no clear direction for the meeting or there is not immediate need for one, don’t have it. 
• Wait until you have the agenda thoroughly thought and planned out and then announce a meeting. 
• Accomplish something at every meeting and your people will feel like coming to the meeting was worth their sacrifice of time.

Why Home Friendship Groups? - Community

There are two essential elements of community. 1) interpersonal commitments and 2) a sense of belonging. True community needs both of these elements in operation. Without interpersonal commitments, a sense of belonging would soon be lost as a sense of belonging is derived from and is a result of the interpersonal commitments. Did I loose you there? Ok, let me break it down.

Bob joins a new church. He is warmly welcomed. He soon receives salvation. Bob likes the people and enjoys what he feels in the church. However, as time goes on, Bob soon realizes that since his only real commitment is to come to church, worship and give in the offerings, his commitment level is not very deep. In fact, if Bob only develops a deep relationship with the pastor there, then the Pastor is Bob’s only real reason for staying there. What happens however, when Bob gets upset at the pastor? What happens if the pastor resigns? You and I know what happens, Bob soon leaves. However, what would happen if Bob were was interconnected in a deep level of community or fellowship with 10-12 other people within the church? (Small Group) What if it were possible that Bob could get upset with the Pastor, yet his love for and interconnectedness with these other 10-12 were so deep that he would stay?

Relationships are powerful. A good relationship will build a person up and a bad relationship has the potential to destroy someone. We often fail to realize the value of relationships within the church. We exhaust ourselves with evangelistic efforts and get so excited over the sudden growth or influx of visitors. Yet we then often fail to get those new people into bonding relationships within the church and soon lose them. What we end up with is a person who is easily offended and will have nothing or nobody to stand in their way of an exodus.

The Witnesses: Amy Wilson Carmichael

(1867-1951)

Amy Wilson Carmichael was born December 16, 1867 in a small village in Northern Ireland. Her parents were evangelical Christians and she committed her life to Christ's service at a very young age. 

One story of Amy’s childhood noted that when she was little, she always wished she’d had blue eyes instead of brown. As a little girl, she prayed for God to give her blue eyes, but she never received them. 

Carmichael was the founder of a women’s group in Belfast that quickly grew to over 500 women and they needed a larger place in which to meet. She saw an ad in a newspaper saying an iron building could be built for £500 that would seat up to 500 people. A donation and a plot of land were given, and the building of the first “Welcome Hall” was built.

Amy felt led to fulfill her call in missions. In many ways, she was an unlikely candidate for missionary work. She suffered neuralgia--a disease of the nerves that made her whole body weak and achy--and she was often bedridden for weeks on end.

At the 1887 Keswick Convention, she heard Hudson Taylor, founder of the China Inland Mission, speak about missionary life. Initially, Amy travelled to Japan for fifteen months, but she later found her lifelong vocation in India.

Is God Okay With My Plans?

Lean on, trust in, and be confident in the Lord with all your heart and mind and do not rely on your own insight or understanding. In all your ways know, recognize, and acknowledge Him, and He will direct and make straight and plain your paths. (Pro 3:5-6 AMP)

Our future well being depends largely on the decisions we make today. We are a world in transition; we change homes, cars, jobs, cities, and spouses as easily as changing clothes. Many of the problems in our lives are the direct result of decision that were not well thought out, not prayed over and are emotionally driven.
In many decisions the cost was not counted, the impact was not measured, and the long-term implications were not considered.

We feel right and justified about our decision, but only time can reveal the end results of our choices.

The preparations of the heart in man, and the answer of the tongue, is from the LORD. All the ways of a man are clean in his own eyes; but the LORD weigheth the spirits. Commit thy works unto the LORD, and thy thoughts shall be established. (Pro 16:1-3 KJV)

An important principle to remember is that, we will reap the results of our decisions, whether good or evil;

Be not deceived; God is not mocked: for whatsoever a man soweth, that shall he also reap. For he that soweth to his flesh shall of the flesh reap corruption; but he that soweth to the Spirit shall of the Spirit reap life everlasting. (Gal 6:7-8 KJV)

You do not always reap immediately, some seeds take years to produce, and when they begin to bring forth it is in a larger quantity than the seed sewn. No one plants an apple seed expecting only one apple to be produced as a result. The hope of the grower is that the single seed that has been planted will eventually produce thousands of apples.

There are some questions we need to ask ourselves about our plans for the future.

Have I consulted God about my plans? – prayer is our way to communicate with Him. The wisdom to make a Godly decision is not found in our flesh.

If any of you lack wisdom, let him ask of God, that giveth to all men liberally, and upbraideth not; and it shall be given him. (Jas 1:5 KJV)

Have I consulted Godly counsel? – your choice of counsel may affect your decision.

Are You Ready For Your Healing?

We live in a world that needs healing.  We are surrounded by people who need healing.  The pain of this healing is manifold.  It comes from the past.  It comes from the present.  It is physical.  It is emotional.  It is spiritual.  It is mental.  Some of these people have received a bad report from the doctor and are desperate for a miracle.  Physical injuries of every kind have left others maimed or crippled to the point that they struggle to accomplish even the smallest of tasks.  Many others are victims of childhood abuses and neglect that have crippled them emotionally and mentally as adults.

These people encircle our churches.  They are our members.  They are our neighbors.  They are the people we bump into at the grocery store and places where we do business.  We speak to them on our jobs.  We speak to them on the streets.  Every day of our lives we are in constant contact with individuals who desperately need a healing of some sort in their life.

But healing does not come.  The pain does not subside.  The inner and outer suffering is constant and there is oftentimes no help from doctors, psychologists, counselors or even the ministry.

This is very sad, especially when you consider that many people spend their entire lives and fortunes seeking the healing they need.

Just because a person is a member of a church and filled with God’s Spirit does not mean they are not still suffering as the world does.  Oftentimes, a person can sit in a church pew their entire lives, and many of them never do completely open up and let God heal the wounds of their heart and mind.  Others still are struggling with the news they just received from the doctors.  Panic, fear and despair all attack these sweet people as the realization sets into their minds that they may not have long to live or that their malady is something that cannot be healed by the doctors.

For many, the doctors and specialist have done all they can do.  Help is not eminent.  The suffering is going to continue.  Pain, of the heart and mind and throughout the body, is all they have to look forward to.  Fear, panic, worry, and anxiety of every kind is constant and is not promised to end.

But God asks the question, “Are You Ready For Your Healing?”

Why does it seem that God heals some and not others?

Eight Ways to Save Time

1.  Clutter can slow you down by distracting you from what you want to do. To take control, begin in one corner of one room and straighten up. (No cheating! Don't just move the clutter to another corner!) Afterward, give yourself a reward for your good work. If you continue this pattern over time, you'll get the job done.

2.  Do you arrive at your office most mornings frazzled from too much rushing around before leaving the house? Prepare for your departure the night before: put your coat, car keys, and briefcase by the door, ready to grab, and set your alarm fifteen minutes earlier. You'll start the day feeling more in command.

3.  The next time you pass a card store, stock up on a supply of "thank you," "congratulations," and "great job" cards. Keep a supply at the office and some at home. Remember how you feel when a good word is sent your way and be generous in your compliments to others.

4.  Do you keep "to do" lists that run on for pages? If you often feel discouraged by what's not crossed off your lists, make them shorter. The most effective managers identify only three top priorities each day. And their self-esteem is stroked repeatedly when they cross off all three tasks, day after day.

5.  In today's world of so-called advanced telecommunications, more people identify "telephone tag" as their biggest time waster. When you leave a phone message on someone's voice mail or answering machine, remember to cover the four W's: who called, why you called, what you'd like the receiver to do, and when you're available to receive a return call. A specific request with detailed information increases your chances of a reply. Furthermore, on the incoming message of your answering machine, direct callers to leave you answers to the four W's.

Do I Have a Ministry?

Yes.

When God fills us with His Spirit and we become a member of the body of Christ (Romans 12:5) we automatically have a ministry.  What is that ministry?  Paul tells us in 2 Corinthians 5:

¹⁷Therefore if any man be in Christ, he is a new creature: old things are passed away; behold, all things are become new. ¹⁸And all things are of God, who hath reconciled us to himself by Jesus Christ, and hath given to us the ministry of reconciliation; ¹⁹To wit, that God was in Christ, reconciling the world unto himself, not imputing their trespasses unto them; and hath committed unto us the word of reconciliation.

We have a ministry of reconciliation.  Reconcile is a verb that means to reconsecrate (devote or dedicate to some purpose).  Our responsibility to our world is one that requires us to reach out and "minister" to those in need.  There are various ministries that we can take on.  Whether one is a greeter as David desired in Psalm 84:

10 For a day in thy courts is better than a thousand. I had rather be a doorkeeper in the house of my God, than to dwell in the tents of wickedness.