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.

Are You Backsliding?

Here's a question we would almost never ask somebody. And what an incredible question it is. "Are You Backsliding?" It's not a question to condemn. It's a question to ponder. As ministers of the gospel, some would never want to ask their congregations this question as it might offend. How many however, might still be saved today if only someone would have asked them this simple question while there was still time to correct their path?

We ask people all the time, "Are you ok?" "Is everything alright?" And why not? We are genuinely concerned about the welfare of the other person. True concern however, causes one to ask the deeper questions. It forces us to enter into a conversation on uneasy ground. Barbara Walters is renown because of her ability to ask interviewees the probing questions that often times bring those she interviews to tears. They never expected her to ask "That" question.

We oftentimes don't like to ask the hard questions. We rarely enter into conversation with someone where we don't feel comfortable. Yet, here is the place where a person is most vulnerable. Here is a place where they are searching for answers. Here is a place where they often times feel lost. Hard questions demand hard answers. Hard answers lead to a right way of living.

A person who is "off track" seldom realizes it before it is too late. Recently, the news has read like this...

Aug 6, 2011 - A hiker fell to his death from a cliff near a waterfall in the Angeles Forest in Eaton Canyon early Saturday, the second fatality in the...

Aug 1, 2011 - A 26 year old woman fell to her death Sunday while descending from the summit of Half Dome within Yosemite National Park.

July 27, 2011 - A Hiker fell to his death in Buckskin Gulch.

July 19, 2011 - A hiker died on Monday morning after sliding between 50 and 100 feet on a steep snow field along the Grinnell Glacier Trail.

June 25, 2011 - Officials say that a woman fell to her death while hiking on Mount Evans Saturday.

What’s the holdup?

Here’s a line you can use while waiting in line at the local gas station, but never at the local bank.  Not too long ago while standing in line waiting to cash my check at my bank, a gentleman at the window next to me began to grow impatient with the banks teller.  A bit angrily he asked her “What’s the holdup?”  Needless to say, all the banks employees immediately looked alarmed and worried.  They did not hear the entire question the man asked, all they heard was the word “holdup”.  You can imagine why the bank’s employees became alarmed when the word holdup was used in this setting.  Especially when used with a bit of anger.

What’s the holdup?  What’s stopping your church from having revival?  What’s keeping your ministry from fulfilling its vision?  What obstacles stand in your way?

We oftentimes say we're waiting on God in certain situations.  We say things like, “It will happen in God’s timing.”  or “We’re just waiting on God.”   In reality however, God is most often waiting on us.  He is not a God who is late or tardy.  He’s not so busy that He barely has enough time to get everything done that He needs to do in the course of a day.  His calendar is not so full that He has to cancel appointments at the last minute or push your needs off to another day in order to meet somebody else’s needs.

He is all sufficient.  He’s always on time.  His resources never run out.  He created time, so time is not a problem for Him.  He created the heavens and the earth, so resources are never an issue for Him.  His ways are above our ways. His understanding goes beyond human reason. 

God is not the source of delay.  It’s important for us to understand that at no point since His death on the cross has God delayed any good thing.  He is not the reason your church is not having revival today.  He is not the reason visitors do not attend your church.  It is not His desire that any in your city, town, hamlet, village, neighborhood, or family should perish.  It is His complete desire that they would come to the knowledge of full Truth.   He wants them to join your church.  His complete desire is that every man woman boy and girl in your city would be in church worshiping Him and hearing His Word this Sunday morning.

If God’s perfect will were performed this Sunday morning, there is no way possible that your church could contain the kind of growth that God would give it.  The exponential explosion of growth that your church would experience if God’s will were accomplished, would blow the minds of every evangelist, visionary, and revivalist.

Seven Signs of a Growing Church

42 And they continued stedfastly in the apostles' doctrine and fellowship, and in breaking of bread, and in prayers.43 And fear came upon every soul: and many wonders and signs were done by the apostles.44 And all that believed were together, and had all things common;45 And sold their possessions and goods, and parted them to all men, as every man had need.46 And they, continuing daily with one accord in the temple, and breaking bread from house to house, did eat their meat with gladness and singleness of heart,47 Praising God, and having favour with all the people. And the Lord added to the church daily such as should be saved.

1.      A Praying Church.

The first century church  continued in prayer. The fact that it continued means that it had previously started. These people had been praying long before the outpouring of the Holy Ghost in the book of Acts.

Acts 1:14  KJV14 These all continued with one accord in prayer and supplication, with the women, and Mary the mother of Jesus, and with his brethren.

Before the church ever experienced growth there was prayer. Corporate and unified prayer. This was the foundation of what happened in Acts chapter two. Prayer is the most basic and necessary requirement of any church. Prayer is the foundation upon which everything else is built. A praying church is a church that is ready and waiting to do whatever God desires to do amongst them.

15 Principles for Organizing Your Life

1. Get Rid of Stuff - Paper, publications and possessions require maintenance; maintenance costs time, energy, space and money. Dispose of seldom or never-used items. Ask yourself, “What will happen if I let this go?” If the answer is “nothing,” get rid of it.
   
   
2. Limit Your Reading Material – Realize that you can’t read, know, or retain all the information you receive. Set up a reading folder for holding unread information. Pitch the oldest material (read or not) when that space is full.
   
   
3. Touch it Once – Be decisive: Handle mail only once and move on. Don’t shuffle papers with the vague “I don’t know what to do with this so I’ll put it here for now” Syndrome. Use a simple DRAFT technique – Delegate, Read, Act, File or Toss – the first time you touch it.
   
   
4. Think Before Acquiring More – Evaluate before accepting new items. Get off mailing/routing lists that serve no purpose. Ask yourself if you really NEED this item.
   
   
5. Organize Before Increasing Space – The more space you have, the more inclined you are to be a saver. Keep things as simple as possible by retaining as few items as you absolutely need.
   
   
6. Don’t Leave Things Out As Reminders – Leaving items out is a common mistake.
   
   
7. Keep Frequently Used Items Handy – Keep within easy reach your current working papers and items you’ll need when you answer the phone.
   
   
8. Don’t Crowd – Individual file folders over ¾ of an inch thick need to be first purged, then divided if necessary.
   

Things Every Minister Needs to Understand About People

Knowing what people need and want is the key to understanding them. And if you can understand them, you can influence them and impact their lives in a positive way. Listed are five things about understanding people:

• Everybody Wants to Be Somebody. There isn't a person in the world who doesn't have the desire to be someone, to have significance. Even the least ambitious and unassuming person wants to be regarded highly by others. Once that piece of information becomes a part of your everyday thinking, you'll gain incredible insight into why people do the things they do. And if you treat every person you meet as if he or she was the most important person in the world, you'll communicate that he or she is somebody - to you.
• Nobody Cares How Much You Know Until He Knows How Much You Care. To be an influencer, you have to love people before you try to lead them. The moment that people know that you care for and about them, the way they feel about you changes. If you want to help others and become a person of influence, keep smiling, sharing, giving, and turning the other cheek.
• Everybody Needs Somebody. Contrary to popular belief, there are no such things as self-made men and women. Everybody needs somebody to come alongside and help. If you understand that, are willing to give to others and help them, and maintain the right motives, their lives and yours will change.

I Hate Being Head Beagle!

One Snoopy cartoon depicts the famous beagle of Charley Brown lying on the roof of his dog house and complaining that everyone is constantly demanding something from him.  He has so much more to do that he can possibly get accomplished.  In the final frame of the cartoon, Snoopy sighs, “I hate being head beagle!”

Being head beagle is not always as glamorous as it appears to be.  Amazingly, people struggle to become the top dog.  There is some kind of allure to the top position in any given profession and the ministry is no different.  An intoxication to be the one at the top of the ladder oftentimes blurs the true calling and divine purpose of too many people.

Few however, know the true cost of being the one with the title before his/her name.  At the same time, those who are the One at the Top, overestimate their own true value.  Any organization that only thrives because of the charisma of its sole leader is in trouble.   In the day that the person whom the whole organization is revolving around falls away or steps aside, that organization is going to struggle to find direction for its immediate and future direction.  Few churches/organizations who follow this pattern can survive completely with the loss of their fearless leader.

Busyness Or Fruitfulness

In John chapter 15, Jesus lets us know that if we are going to be a part of the vine, we are going to have to be fruitful. Do we truly understand what that means.? Often times we allow ourselves to be overwhelmingly busy with things that will never be fruitful.  Much of a minister’s time is spent on things that could be delegated.

People will let you do all the work if you let them. They will smile at you, thank you and tell you that you are the greatest thing that ever happened to their church. Ultimately however, you have to ask yourself, what am I really accomplishing that is relative to my calling.

The scriptures tell us to make our calling and election sure.  It’s important that we settle in our minds what our calling is. Yet, this is saying more than that to us than this. It is telling us also to know our job description. I have learned by Pastoring, that people will let the Pastor mop the floors, shovel the sidewalks, cut the grass, and nearly every other menial task of the church if he lets them. There is a certain source of self-gratification that comes with having done some manual labor. It is even good exercise. However, we truly have to ask ourselves, “Is this my calling?  Did God call me to this city to mop the kitchen floor and to cut the grass? Did he call me here to teach every single Bible Study?” If you answered yes to those questions, then keep at it. However, you are about to find that the human body is only capable of so much. As well, your mind can only take in so much information.

If however, you were called to that city to Preach the Gospel and Pastor a church, you may need to learn the art of delegation.

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.