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.

The Pastoral Paradox

Paradox - "A statement seemingly absurd or self- contradictory, but really founded in truth."

Being a Pastor or Christian leader is not easy. Whoever said it was, was lying. Being a Pastor or Minister is rewarding and satisfying, but it is not easy.

The part that is not easy for me is when I do good for someone and they turn against me. It knocks me back a step when someone who I have really bent over backwards to help, lies against me or without gratitude, throws "it" all in my face. If you've ministered for more than 1 year, I'm sure you will be able to relate. If you've ministered for 10 years, you could probably write a book on the subject.

One thing they never taught us in Bible College was how to take a direct hit in the chops and keep a smile. Don't you just love getting bawled out by someone in the office, 10 minutes before service. It's not easy getting up in front of your church to preach a positive message after an encounter like that. But we do it anyway! Why? Because that's who we are. That's what we do. We are Ministers. We do good when people hurt us. What a Paradox!

Working As A Team

At a Midwestern Fair, spectators gathered for an old fashioned horse pull. The Grand-champion horse pulled a sled with 4,500 pounds on it. The runner up was close, with a 4,400 pound pull. Some of the men wondered what the two horses would pull if hitched together. Separately they totaled nearly 9,000 pounds, but when hitched and working together as a team, they pulled a total weight of over 12,000 pounds.

Herein lies the value of team work. There is some kind of energy that is exchanged when someone feels that there is someone working with them.

I read somewhere a while back of a ward in a particular hospital for premature babies. In one case there was an infant who was several months premature. The mother and father had abandoned the baby at the hospital and it looked as though the child would die. The doctors and nurses did everything they could to care for it, but in all that they did, it grew weaker. In a last ditch effort, one nurse had the idea to place another healthier infant in the same bed as the weak infant. She made sure that the two children were close and touching at all times. Immediately upon feeling the touch of the stronger infant, the weaker one's heart rate began to get stronger and stronger. After several days of touching and being touched by the stronger infant, the preemie became stronger and soon was able to eat on it's own and became healthy.

As leaders, I believe it is paramount that we understand the value of the existent and potential leaders around us. Moses was a man who tried to do everything by himself. He was someone who felt that if God called him to a task, then God would give him the supernatural strength to complete the task. Moses also found out that he was wrong in his assumption.

Moses' father in-law on the other hand, was someone who saw untapped leadership resources everywhere he looked. So, he suggested that Moses find, recruit and train other leaders to assist him in his leadership responsibilities. Once Moses did this, he was not only able to sleep at night, but the needs of Israel were met.

Jesus hardly started His ministry before he chose out 12 men to train in leadership. He understood multiplication instead of addition. Rather than build the church on one man's shoulders, he chose to build it on 13. His and 12 others. As a result of this, when His own life and ministry was ending, 11 others were just beginning. The beauty of the situation was that not one of them detracted from his own ministry, but rather added to it.

Making Dry Church Services Come To Life

Why is it that in some churches, meeting with the creator of the universe is often a boring showcase for bad music, inept preaching and poor taste? Listed are 9 perspectives that can enhance the effectiveness of your services.

• Put yourself in the congregation’s shoes. Pastor, how long has it been since you just sat in the congregation? How often do you really try to identify with the needs, hopes and dreams of those in your congregation?
• Tell stories. Storytelling was Jesus’ primary method of teaching. He put the most profound concepts into simple and compelling stores that captivated people and changed their lives. Never telling a story is a prescription for putting people to sleep. 
• Question everything. Why do you take up the offering the same way each week? Why do you always sing the same hymn of invitation?
• Find some fresh jokes-or don’t use any. How many of you would rather be here in church than in the finest hospital in town? Please discard your moth-eaten jokes. Otherwise your congregation will start laughing out of pity, not humor.
• Go beyond your trusty old sermons of the past. Yes it’s nice to have some standby messages you can rely on. But the danger is that the more you preach the same sermon, the more difficult it is to present it with conviction, originality and excitement.

Staying Focused in Your Area of Ministry

(This is an excellent article for Pastors to share with anyone involved in leadership or ministry in their church.)

Sometimes you just have to say it like it is.  This is one of those times.  I offer this to you in a gentle spirit and pray that if you share it with others on your team, that you would do so in a spirit of gentleness and meekness. 

John Maxwell says “Only do what only you can do.”  This is important in the various areas of ministry of the local church.  One thing that stops the momentum of a church is various leaders trying to run someone else’s ministry.  When God has placed you in an area of ministry within the church, he did not put you there so you could judge other lay ministers of the church.  Do your job and let others do theirs.

Focus on your own ministry.  What can you do to cause your own ministry to make a greater impact in your church and community?  Anytime you spend even a few minutes judging the way another person is running their own department or area of ministry within the church, you are wasting valuable time, energy and emotion that if better used, could be applied perfecting your own.

Too often people criticize the work of others in order to make their own ministry look good.  Lazy people usually find time to do this.  These people are jealous of other people’s success and try to destroy them in order to preserve their rank or position in a church.  This is not a Godly spirit and should be stopped immediately.  There is no room in any church for division.  If you do not like what other people are doing, mind your own business and do your own job and trust God to take care of the rest.  It is His church and not yours after all.

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.

They Shall Mount Up With Wings

This often-used scripture has always challenged the believer, for most want to be able to live up above the earthly arena of life. The one key is written; They that wait, they that serve the Lord with life and lips will surely learn the art of mounting up. I read an article about birds that stated, "The hearts of birds are heavier in proportion than the hearts of man or other animals." The reason given was, the more the body works, the greater the demand on the heart, which causes it to become heavier. Birds are very hard working creatures and so should the believer be.

A lofty life lived on spiritual wings requires an enlarged heart, which means constant fellowship with God Himself. If we are to live in the Heavenlies, to arise we must ask God to give us a bigger heart. Our desires must be for Spiritual things and only a heart after God will allow that.

In Psalm 119:32, the writer shouts, "I will run in the way of thy commandments, when thou shall enlarge my heart!"

After A Really Really Really Bad Day

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.

Lead More Manage Less

Causing growth in a church and leading God’s people is a challenge.  Looking through the scripture one quickly notices that no leader of God’s people found his role easy.

It often seems that our job as ministers is more reactive than proactive.  It’s important to understand that while there will always be a needed degree of reactive management, there also needs to be a healthy measure of proactive leadership. 

One doesn’t need to pastor long before he/she finds themselves becoming bogged down with the daily routine of managing a congregation.  Your own list of duties preformed regularly would be very comparable to many other Pastors and church leaders.   As I communicate more and more with church leaders around the globe, I am surprised to find that even though regions and languages may differ, there are often, very similar “People Problems” that Pastors have to deal with.

Managers organize. They report on what is. Their role is to assign and control people.  Leaders on the other hand cast vision.  They offer what could be.  Their role is to align and motivate people.  Notice the difference between these two leadership styles.  One is managing what already exists and the other is moving the church forward into new growth and greater increase.

Nearly all pastors and church leaders perform both management and leadership roles.  An imbalanced church is often one whose Pastor and leadership team has succumbed to one role or the other.  It is the Pastor who has lost his zeal for growth so he simply manages what is already happening.  Or it is the Pastor who constantly promotes growth and new programs, but does not provide constant management for the growth that happens.

Have I lost you?  Are you already saying, “Now wait a minute.  I can’t do it all!”  You are right.  You can’t.  As much as you are talented, gifted, anointed and blessed, you are not Solomon.  Moses couldn’t do it all and neither can you.  In fact, the church leader that attempts to do all the management themselves will be overridden with the load of caring for God’s people. 

This is why our Lord brings us other people into the church.  Many Pastors overlook the people resources in their congregation.  Since they lack the ability to trust others to a task, many Pastors fail to allow the talents of their congregation to become invested. 

Moses had his captains of fifties and thousands.  You too have been given certain individuals who can come beside your ministry to assist you in maintaining the growth from the vision you cast. 

Do you find yourself routinely doing the job of the church janitor?  Did you fix or repair something around the church lately?  Are you the office manager?  Are you the one who adds ink to the printer?  Are you the only one visiting and praying for the sick?  Who does the computing and tallying of numbers to record progress?