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.

Accountability – who needs it?

Accountability – “The quality or state of being accountable. – Webster’s dictionary

• Accountability is a binding relationship that develops growth, moral and ethical excellence.
• Accountability is not support therapy an opportunity to allow for excuses.
• When a person becomes accountable to another, they make themselves accountable to someone other than themselves.

Why should we consider becoming accountable to someone else?

• We cannot stand without accountability.  1 Cor 10:12
• Every man/woman should make themselves accountable to at least:
• God
• Their spouse
• Their family
• Those they lead
• Those leaders above them
• At least one other person who could be considered their spiritual mentor.

We are all accountable whether we know it or not.  People are watching us day and night.  They are looking to see if we are who we say we are.  They base their trust and confidence in us according to the level of truth they see in our lives.  If they do not consider our lives to be worthy of their confidence or trust, then our ministry will have no effect on their lives. 

Accountability keeps us from moral and spiritual failure.
Proverbs 27:17  Iron sharpeneth iron: so a man sharpeneth the countenance of his friend.” 
Having someone to be accountable to keeps us from ourselves.  Realizing that someone else will judge our actions causes us to “consider our ways”. 

Conducting a Spiritual Audit

Twelve questions to keep your personal accounts in order.

1. Am I content with who I am becoming? Every day I get one day closer to who I will ultimately be. Am I satisfied with who this will be?
2. Am I becoming less religious and more spiritual? The difference: I can control religion, while spirituality controls me.
3. Does my family recognize the authenticity of my spirituality? If I am growing spiritually, my family will recognize it.
4. Do I have a flow-through philosophy? As a Christian I am to let the blessings flow through me to others.
5. Do I have a quiet center to my life? There is an important difference between the fast track and the frantic track. Peace is the evidence of God.
6. Have I defined my unique ministry? Unless you know the things you can do uniquely well, you end up doing many mediocre things just to please others.
7. Is my prayer life improving? One test is: Do my decisions have prayer as an integral part, or do I make decisions out of my desires and then pray?

Mentor Somebody

Your life is not measured by your accomplishments, but rather by the people you’ve touched and the lives you changed.

Mentoring someone allows you the opportunity to affirm their ministry and change the direction of their life.

You don’t have to wait for someone to ask you to mentor them.  Pull them aside and explain to them that you see potential in them and you believe they are ready to be mentored.  You may be amazed to find that they have been waiting on SOMEONE to notice them. 

Don’t judge – Critique.  The difference between the two is one is done out of love and concern the other is not.  Let your aspirant know that you care only for their growth and want to offer suggestions for them to become better. 

Open up.  Tell them of your early shortcomings.  Let them know that all is not going to be easy.  Confess a few faults and ways you have conquered them.  There is nothing common to man.  There is a great possibility that they may need to know how to get over a few things along the way.

Model it in front of them.  They are going to do what you do - not what you say.  Regardless of how well you explain things to them, they are going to model themselves after your actions.  You speak to them when you are not speaking to them at all.  Remember they are watching you and learning. 

Meet with them.  Choose definite times to meet together.  Doing this tells them that you care about their growth and are concerned about them as a person.

Where To Look For Leadership In Your Church

One of the biggest problems in many of our churches is a lack of leadership.  Where do you find people who have leadership abilities?

"You don't have to bring in a hireling to find leadership in your church…the person you are looking for might be closer than you think."

People who have displayed faithfulness in small things.   He might be the usher who is constantly faithful to the duties of ushering.  Don't leave that person doing the same thing for 30 years because they do it so well.  Move them into areas of leadership.

Look for people who worship well and who love their pastor.  You might think they have no leadership ability, and they may not.  But their love for God and their Pastor will give them the zeal they will need to learn how to lead from you.

Be A Man!

 "A good man leaveth an inheritance to his children's children: and the wealth of the sinner is laid up for the just" (Proverbs 13:22).

"Behold, the third time I am ready to come to you; and I will not be burdensome to you: for I seek not yours, but you: for the children ought not to lay up for the parents, but the parents for the children" (II Corinthians 12:14).

When we were boys, my brother Rick would say this to me after he slugged me and made cry.
Brothers can be the best of friends and they can also be very cruel to one another. Rick was 6 years older than I was and without a father in our home at the time, he was the only male role-model in our home and at times, quite the bully.

Be a man. Wow! What volumes of pain and suffering in this world would be avoided if the husbands, fathers and leaders of our world would truly be men. To be a man, has been my personal quest since I was very young. I wasn't quite sure as a boy, what a man was, but something in my heart and mind told me that to be a man was something honorable and good.

Coming from a dysfunctional family, my understanding of the role of a man has been blurred to say the least. Looking back at my childhood, I realize that the example of a good man was never shown to me. In my early years of being a father, I realized this when I began feeling and expressing a father's love to my children. It was then that I realized that I had never truly been the benefactor of such caring, protective love. Painful memories flooded my mind often as I would compare the careful love my children received from my wife and I, with the careless and even abusive treatment my bothers, sisters and I received at the hands of our parents.

It was at this point in my life, that I realized I was more a true man than anyone in my family had ever modeled before me. No parent, grandparent, or uncle had shown me what it was to be a man. Their own dysfunctional upbringings had so marred their lives that they were incapable of it. I also realized that I had a Heavenly Father who had been and was my example.

Don't Interrupt!

Most people react badly to being interrupted. They often feel disrespected and small when you talk over them. People who tend to interrupt others generally do so for one of these reasons:

• They don't place enough value on what the other person has to say. 
  
• They want to impress others by showing how smart or intuitive they are. 
  
• They're too excited by the conversation to let the other person finish talking.

If you are in the habit of interrupting other people, examine your motives and determine to make a change.

Home Friendship Groups - Helping close the back door.

“A brother offended is harder to be won than a strong city: and their contentions are like the bars of a castle.” Prov 18:19

Bob stopped me a while back to thank me. A trustee and board member in his church, he explained that he and his wife were greatly offended by a situation and people in the church. He told how one Sunday without knowing their situation, I encouraged them. I told them that “they were very important to the work of God there” and a “wonderful example to me”. I didn’t know they had already decided this was their last service in that church. He told me that had it not been for my encouraging them that day, they never would have gone back.

I wonder how many Bob’s leave the church without anybody noticing.

It is often said, “If we could just win back those who have already left, that would be a great revival. My question is, “how did we ever let them get away in the first place”?

In my years of pastoring and ministry, I’ve found that people usually leave the church because they were never truly assimilated into the family of God to begin with. Once a person is established into the church and have formed nurturing relationships, it’s less likely they would become offended and leave.

We think that we have to “get them into the choir right away” or “find them a position or job in the church” to keep new converts. This may help that person feel more attached, but it will never assimilate them into the church.

Why do people exit the church? Many times, a person leaves because they were never provided the proper relationships within the church.

Full Nets

Through out the years I have had many people tell me of their love of fishing. I, myself, however have never had the patience to cast a line into the water and wait for a fish to bite on to it. If I can't cast the line into the water and catch a fish within 30 seconds and then go home I can't see the fun in it.

Our fast paced and 'microwave' society appears to have the same mentality to life in general that I have to fishing. Desire for instant gratification is the norm. Whether it be business, career, or even spiritual matters, most society looks for the quick fix. 'Lose weight fast with no effort', 'Get rich quick' and similar mindsets have even worked their way into church growth seminars.

In the 5th chapter of Luke we read the account of Simon Peter and the other fishermen who had spent the entire night fishing without catching a thing. The important thing to realize with these men is that their entire living depended on their catching fish. Theirs was the day before guaranteed salaries, sick pay and profit sharing bonuses. After a disappointingly long night of hard toil they were still open to do what Jesus asked of them. The first request was easy enough, set out from shore and allow Him to speak to the crowd from their boat. (Luke 5:3). The second request ". . . launch out into the deep, and let down your nets for a drought." (Luke 5:4) was more difficult to do. It required faith. They had not slept since the day before and had worked all night. No doubt they stayed awake and listened to the anointed preaching of the Rabbi. They were tired. But they believed the Lord. Though weary and discouraged, their act of faith was rewarded with a great catch.

Sometimes situations seem impossible. In the gospel of Matthew we read about such a situation. Jesus, when faced with the issue of feeding the great multitudes said to the disciples "They need not depart, give ye them to eat." (Matthew 14:16) The disciples knew that their possession of five loaves and two fish would not feed their own group, let alone the multitude that stood before them. However, with the same trust in Him that they had in the fishing boat, they offered what little was at their disposal, allowing the Creator of the universe to multiply it. Though the situation seemed impossible, their act of faith resulted in the feeding of close to twenty thousand people.