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Money Matters - A Families Involvement In The Budget
By: Aubrey Jayroe

Developing and maintaining a budget is a FAMILY AFFAIR. If you are married, you must work together. If you have children, this is the proper time to teach them how to operate within their means.
To make a budget work, there are some things that must be attended to prior to spending.
Together you should:
- Decide on needed items and plan how much can be spent before going shopping.
- Always use a shopping list that has been approved by both spouses.
- Buy only the planned items.
- Compare prices and quality before buying.
- Use credit only when necessary for necessary items.
- Do not use credit for items that are not realistically needed.
- Decide together on a vacation spending
- Encourage each other of the benefits of saving
- Make realistic goals of being debt free
- Start gift shopping early and stay within a prescribed means
- Don’t over spend just to make someone in the family feel good.
- Decide how much to save on a regular basis.
Set down together and discuss the family budget and include in the discussion the benefits of becoming debt free for the future.
The following provides a simple method of how to establish a budget.
- Go through your checkbook and/or bills for the last twelve months to determine your past expences to create a budget..
- Think about your hobbies and other activities you may enjoy and add these to your budget catagories.
- Go through your bank statements and/or pay stubs to calculate your monthly income. Enter this into your budget.
- Include all other income such as interest income, dividends, bonuses, or other forms of income you may have.
- For each expense category, establish a budget amount that realistically reflects your actual expenses for the coming months. Put these at levels where it will enable you to save money.
- Keep track of all expenses throughout the month and track these in your budget.
- Subtotal all the income and expense categories including the monthly mortgage and notes you have.
- Subtract the expenditures from the income to arrive at a net income.
- If the net is negative, your expenses are greater than your income. You must change your spending habits to reduce your expenses.
- If the net is positive, transfer as much as possible to a savings or investment account at the end of the month. Do not leave extra money in your checking account because it is too easy to spend it.
- After you have tracked your actual spending and actual income for at least a three months, you can easily see your spending habits and identify where you can make cuts or start paying off debt.
- Once you are comfortable with the budget process, take an in-depth look at the overall budget. Locate your largest spending category, discuss how to reduce debt by reducing your spending habits. Plan for specified savings.
- Up-date your budget of income and expenses on a monthly basis.
A budget cannot be maintained without the cooperation of all family members. One member of the family cannot keep information from another. Working together provide a spirit of unity in the home and helps control what happens in the area of finances.
You can learn more about the importance of tithing & giving at http://www.pastoralhelps.com/where-your-treasure-is/
Aubrey L. Jayroe is an Accredited Tax Advisor; Accredited Tax Preparer; Licensed to Practice before the Internal Revenue Service; Certified Tax Return Preparer
For 40 years, Jayroe & Company has been providing quality, personalized financial guidance to churches, local individuals and businesses. Jayroe & Company's expertise ranges from basic tax management and recordkeeping services to more in-depth services such as reviews, financial statements, and financial planning.
https://www.jayroeandcompany.com/
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Bi-Vocational Pastors
If your ministry is only one of your jobs, here are 12 tips to make the road a little smother.
In light of the fact that 50 percent of all North American churches have 75 people or fewer, many pastors do not receive full salary from the church they serve. This forces them to consider options such as finding other employment on the side or having a spouse work to help make ends meet.
- Guard your attitudes. Sometimes it is hard for those “called into the ministry” to accept the fact that they may have to work “secular” jobs at times. These are understandable feelings, but will lead to bitterness of heart and cripple our ministries unless we overcome them.
- Look primarily to God. It is easy to become resentful toward people if we look to them as our sources. God is our ultimate employer and provider, not the church.
- Beware of get- rich-quick schemes. A pastor desperate for additional sources of income may be vulnerable to the allure of multilevel marketing and other “easy money” systems.
- Assess the hidden costs of having a spouse that works. After the cost of travel, food on the road, child care, house cleaning etc, you may find that it is cheaper for them to stay home. A job or career is often times more of an outlet or escape. Check all the motives and the real cost involved.
- Make the most of the situation while you’re at it. Working a secular job can actually have many overlooked benefits other than just additional income: contact with unchurched people and experience with realities of work environments.
- Define your ministry. Bi-vocational pastors should beware of trying to have a “full- service” ministry. You need definite limits and boundaries. You cannot do everything, so you must have a clear focus for what you will handle....

Bi-Vocational Pastors
If your ministry is only one of your jobs, here are 12 tips to make the road a little smother.
In light of the fact that 50 percent of all North American churches have 75 people or fewer, many pastors do not receive full salary from the church they serve. This forces them to consider options such as finding other employment on the side or having a spouse work to help make ends meet.
- Guard your attitudes. Sometimes it is hard for those “called into the ministry” to accept the fact that they may have to work “secular” jobs at times. These are understandable feelings, but will lead to bitterness of heart and cripple our ministries unless we overcome them.
- Look primarily to God. It is easy to become resentful toward people if we look to them as our sources. God is our ultimate employer and provider, not the church.
- Beware of get- rich-quick schemes. A pastor desperate for additional sources of income may be vulnerable to the allure of multilevel marketing and other “easy money” systems.
- Assess the hidden costs of having a spouse that works. After the cost of travel, food on the road, child care, house cleaning etc, you may find that it is cheaper for them to stay home. A job or career is often times more of an outlet or escape. Check all the motives and the real cost involved.
- Make the most of the situation while you’re at it. Working a secular job can actually have many overlooked benefits other than just additional income: contact with unchurched people and experience with realities of work environments.
- Define your ministry. Bi-vocational pastors should beware of trying to have a “full- service” ministry. You need definite limits and boundaries. You cannot do everything, so you must have a clear focus for what you will handle....

A Few Things To Know About People Before You Use Them In Ministry
- They are not perfect. It’s true that if you wait for people to become perfect, you may be waiting a long time. There is nothing wrong with exercising your own faith and begin using people before they are 100% ready to be used.
- They will need your help. Don’t expect them to know all that you know. Sit down with them and one on one, explain to them how to do what it is you want them to do. Give them details of what you expect and guidelines on how to do it.
- They need someone to tell them they can do it. Most of the people who come into our churches have been beaten down by the world. They need someone to believe in them. The very fact that you believe in them will cause them to do things for God that they never thought they were capable of....

A Few Things To Know About People Before You Use Them In Ministry
- They are not perfect. It’s true that if you wait for people to become perfect, you may be waiting a long time. There is nothing wrong with exercising your own faith and begin using people before they are 100% ready to be used.
- They will need your help. Don’t expect them to know all that you know. Sit down with them and one on one, explain to them how to do what it is you want them to do. Give them details of what you expect and guidelines on how to do it.
- They need someone to tell them they can do it. Most of the people who come into our churches have been beaten down by the world. They need someone to believe in them. The very fact that you believe in them will cause them to do things for God that they never thought they were capable of....

Putting People First - 10 attributes of a Leader
What attributes qualify us for leadership? Here is a few suggestions on how these qualities might be put to use.
1. Integrity – Where integrity is at stake, the leader works publicly. Behavior is the only score that’s kept. Lose integrity, and a leader will find himself in a directionless organization going nowhere.
2. Vulnerability – Vulnerable leaders trust in the abilities of other people and allow those who follow them to do their best. An invulnerable leader can be only as good as his own performance....
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Putting People First - 10 attributes of a Leader
What attributes qualify us for leadership? Here is a few suggestions on how these qualities might be put to use.
1. Integrity – Where integrity is at stake, the leader works publicly. Behavior is the only score that’s kept. Lose integrity, and a leader will find himself in a directionless organization going nowhere.
2. Vulnerability – Vulnerable leaders trust in the abilities of other people and allow those who follow them to do their best. An invulnerable leader can be only as good as his own performance....
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Leadership Training
How important is it? Consider this. Early in Jesus’ ministry, he chose out 12 men who would become his disciples. His purpose in choosing these 12 men went beyond their need for salvation. His vision was that he might “…make them fishers of men”. Jesus understood immediately upon starting his early ministry that his role was to not only bring salvation to this world, but to also raise up others who would do the same after He was gone.
What would happen to the church or ministry the Lord has given to you should you be removed from the picture today? Is there someone you have been training to do your job? Have you mentored anyone to take your place? Or have you like most ministers been so busy doing your fathers business that you don’t have time to train other leaders.....
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Leadership Training
How important is it? Consider this. Early in Jesus’ ministry, he chose out 12 men who would become his disciples. His purpose in choosing these 12 men went beyond their need for salvation. His vision was that he might “…make them fishers of men”. Jesus understood immediately upon starting his early ministry that his role was to not only bring salvation to this world, but to also raise up others who would do the same after He was gone.
What would happen to the church or ministry the Lord has given to you should you be removed from the picture today? Is there someone you have been training to do your job? Have you mentored anyone to take your place? Or have you like most ministers been so busy doing your fathers business that you don’t have time to train other leaders.....
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A Place Of Position
(Mat 20:20 KJV) Then came to him the mother of Zebedee's children with her sons, worshipping him, and desiring a certain thing of him. And he said unto her, What wilt thou? She saith unto him, Grant that these my two sons may sit, the one on thy right hand, and the other on the left, in thy kingdom. But Jesus answered and said, Ye know not what ye ask. Are ye able to drink of the cup that I shall drink of, and to be baptized with the baptism that I am baptized with? They say unto him, We are able.And he saith unto them, Ye shall drink indeed of my cup, and be baptized with the baptism that I am baptized with: but to sit on my right hand, and on my left, is not mine to give, but it shall be given to them for whom it is prepared of my Father. And when the ten heard it, they were moved with indignation against the two brethren.But Jesus called them unto him, and said, Ye know that the princes of the Gentiles exercise dominion over them, and they that are great exercise authority upon them. But it shall not be so among you: but whosoever will be great among you, let him be your minister; And whosoever will be chief among you, let him be your servant: Even as the Son of man came not to be ministered unto, but to minister, and to give his life a ransom for many.
This woman’s only desire was that her two sons would receive a place of position.
Jesus turns to the young men and asks, “Ye know not what ye ask. Are ye able to drink of the cup that I shall drink of, and to be baptized with the baptism that I am baptized with?” People do not know the responsibility that comes with leadership. They have no idea the sleepless nights that comes with ministry.
Leadership within the church is viewed in some romantic sense. The fact of the matter is many are people worshipers. They fail to realize that this is God’s kingdom. The Scriptures tell us that he is a jealous God and He will not share his glory with anyone.
Some will do anything for position and the prestige that appears to come with it.
-
They take short cuts.
-
They will try to buy their way into a position.
-
They will use their influence to bully their way into a position.
-
They will claim they have the right to a position due to duration of their service.
-
They will use their relationship or friendship with someone else already in position.
They want the title of an office without the work or obligation that comes with it. They are unqualified to do the job, or fill the office, but because they have been around longer than anyone else, they feel they deserve it. Even if their qualifications or lack of qualifications actually disqualifies them for the position....
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A Place Of Position
(Mat 20:20 KJV) Then came to him the mother of Zebedee's children with her sons, worshipping him, and desiring a certain thing of him. And he said unto her, What wilt thou? She saith unto him, Grant that these my two sons may sit, the one on thy right hand, and the other on the left, in thy kingdom. But Jesus answered and said, Ye know not what ye ask. Are ye able to drink of the cup that I shall drink of, and to be baptized with the baptism that I am baptized with? They say unto him, We are able.And he saith unto them, Ye shall drink indeed of my cup, and be baptized with the baptism that I am baptized with: but to sit on my right hand, and on my left, is not mine to give, but it shall be given to them for whom it is prepared of my Father. And when the ten heard it, they were moved with indignation against the two brethren.But Jesus called them unto him, and said, Ye know that the princes of the Gentiles exercise dominion over them, and they that are great exercise authority upon them. But it shall not be so among you: but whosoever will be great among you, let him be your minister; And whosoever will be chief among you, let him be your servant: Even as the Son of man came not to be ministered unto, but to minister, and to give his life a ransom for many.
This woman’s only desire was that her two sons would receive a place of position.
Jesus turns to the young men and asks, “Ye know not what ye ask. Are ye able to drink of the cup that I shall drink of, and to be baptized with the baptism that I am baptized with?” People do not know the responsibility that comes with leadership. They have no idea the sleepless nights that comes with ministry.
Leadership within the church is viewed in some romantic sense. The fact of the matter is many are people worshipers. They fail to realize that this is God’s kingdom. The Scriptures tell us that he is a jealous God and He will not share his glory with anyone.
Some will do anything for position and the prestige that appears to come with it.
-
They take short cuts.
-
They will try to buy their way into a position.
-
They will use their influence to bully their way into a position.
-
They will claim they have the right to a position due to duration of their service.
-
They will use their relationship or friendship with someone else already in position.
They want the title of an office without the work or obligation that comes with it. They are unqualified to do the job, or fill the office, but because they have been around longer than anyone else, they feel they deserve it. Even if their qualifications or lack of qualifications actually disqualifies them for the position....
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15 Principles for Organizing Your Life
- 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.
- 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.
- 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.
- 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.
- 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.
- Don’t Leave Things Out As Reminders – Leaving items out is a common mistake.
- Keep Frequently Used Items Handy – Keep within easy reach your current working papers and items you’ll need when you answer the phone.
- Don’t Crowd – Individual file folders over ¾ of an inch thick need to be first purged, then divided if necessary.....

15 Principles for Organizing Your Life
- 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.
- 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.
- 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.
- 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.
- 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.
- Don’t Leave Things Out As Reminders – Leaving items out is a common mistake.
- Keep Frequently Used Items Handy – Keep within easy reach your current working papers and items you’ll need when you answer the phone.
- Don’t Crowd – Individual file folders over ¾ of an inch thick need to be first purged, then divided if necessary.....

Back Row Bullies
They may not sit in the back row. In fact many times they sit closest to the front. Most would say they are “Faithful” as they seldom miss a service. They appear to be the backbone of the church. They pay their tithes. They dress right. They look right, but once you really get to know them, you find that they are the Back Row Bullies of the church.
These people all too often run the church. They decide who is going to do what. They decide how loud the music is and what color the walls of the sanctuary are going to be. Little happens in the church that they don’t know about and don’t in some great way influence the out come of. Theirs is a mission. Theirs is a job that nobody else will do. Without them they know that the church would fall apart. They are the Back Row Bullies.
No one is quite sure how they gained such influence. Maybe it has to do with the amount of money they gave at one time or even still. They may have family within the church whom they have great influence over. Their measure of sacrifice is probably great, but nonetheless, they are Back Row Bullies.
We all know what a bully is. It’s someone who pushes their weight/influence/resources around to cause you to do something you would not ordinarily do. Let me break that down a bit. You ordinarily would not put up with someone creating division in the church behind your back, but since they give so much money… You otherwise would not allow them to have the position in the church that they have, but because their influence over so many in the church is strong…
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Back Row Bullies
They may not sit in the back row. In fact many times they sit closest to the front. Most would say they are “Faithful” as they seldom miss a service. They appear to be the backbone of the church. They pay their tithes. They dress right. They look right, but once you really get to know them, you find that they are the Back Row Bullies of the church.
These people all too often run the church. They decide who is going to do what. They decide how loud the music is and what color the walls of the sanctuary are going to be. Little happens in the church that they don’t know about and don’t in some great way influence the out come of. Theirs is a mission. Theirs is a job that nobody else will do. Without them they know that the church would fall apart. They are the Back Row Bullies.
No one is quite sure how they gained such influence. Maybe it has to do with the amount of money they gave at one time or even still. They may have family within the church whom they have great influence over. Their measure of sacrifice is probably great, but nonetheless, they are Back Row Bullies.
We all know what a bully is. It’s someone who pushes their weight/influence/resources around to cause you to do something you would not ordinarily do. Let me break that down a bit. You ordinarily would not put up with someone creating division in the church behind your back, but since they give so much money… You otherwise would not allow them to have the position in the church that they have, but because their influence over so many in the church is strong…
[ read more...]
Protecting Your Time with God
If you haven't figured it out by now, many pitfalls exist in ministry. At the top of the list of dangers that pastors and staff members must avoid is substituting work for God as worship of God. After almost 30 years in ministry, I will be the first to admit that there is much work to be done, especially if one takes the task of the Great Commission seriously. The "to do" list seems endless at times.....
[ read more...]
Protecting Your Time with God
If you haven't figured it out by now, many pitfalls exist in ministry. At the top of the list of dangers that pastors and staff members must avoid is substituting work for God as worship of God. After almost 30 years in ministry, I will be the first to admit that there is much work to be done, especially if one takes the task of the Great Commission seriously. The "to do" list seems endless at times.....
[ read more...]
Is Revival Directly Connected To Our Tithing and our Giving?
How can we have revival without the proper funds? The answer is, we can't. It takes money to have revival. Just like anything else in our world takes money, revival takes money. There are many ministries today who are suffering and struggling in the area of finances. Why is that? Could it be because only four percent of professing Christians tithe back to the Lord. Is it any wonder the church is struggling to have revival?....
[ read more...]
Is Revival Directly Connected To Our Tithing and our Giving?
How can we have revival without the proper funds? The answer is, we can't. It takes money to have revival. Just like anything else in our world takes money, revival takes money. There are many ministries today who are suffering and struggling in the area of finances. Why is that? Could it be because only four percent of professing Christians tithe back to the Lord. Is it any wonder the church is struggling to have revival?....
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