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.

Building a Team: What to Look for in Potential Leaders

It is critically important who you surround yourself with. The men and women you choose to help you reach your goals will make or break you. Here's a few things to look for in potential leaders. 

1. Look for people who can make things happen.

Most of the time, you have to take people at their word. The fortunate aspect to this is when you do hire them, you know within a few days, sometimes hours, if they can make things happen or not. At that time you can make the necessary decision.

This application is not always possible in ministry, but the advice is still the same; Watch what people do more than listening to what they say. Actions always speak louder than words. People that make things happen seldom make excuses. Instead they create their own opportunities when none might have existed.

2. Look for people who can influence others.

A person's ability to make things happen is directly related to their ability to lead people. This is called influence. Whether a church ministry leader or a construction crew leader, a leader must be able to influence and persuade people.

When you are selecting a potential leader, don't just look at the person, but look at all of the people that person influences. The more people they influence, the greater leadership potential they have.

Here is a good question to ask; What kind of people do they influence? Do they influence other leaders? Or do they influence followers? A person who can influence leaders has much greater potential than a person who can only influence followers.

Influence also includes how they treat people. Do they respect people? Do they have a genuine love for people? Do they treat people right?

3. Look for people who can equip others.

It is one thing to persuade and influence others. It is another thing to equip them with the necessary tools and training to succeed. Most of the people in your church will need to be trained and equipped in order to succeed. If the leaders you choose cannot equip and empower their followers, then they will ultimately be standing alone at the end of the day.

Tired Of The Results You Are Seeing?

Insanity is doing the same thing over and over and expecting different results.  If you are not pleased with the results you are seeing in a given ministry or program, make a change.

Positive change requires vision.  Vision is always needed to begin a new ministry or program, but it is also needed to continue it.  We too often allow vision to guide us to begin something, but then leave vision out of the picture when growth or decrease begin to happen.  It will take constant vision casting to cause a given ministry to continue to have growth.

Change it up!  It is in our nature to try to find a norm or comfort zone.  However, when people find these, they begin to relax.  Once they relax, it is very hard if possible at all to re-motivate them.  One pastor told me he will throw a hammer through a wall before he allows people to think that change is not happening in the church.  Constant change is exciting!

Change only what needs changing.  Don’t get in the way of progress.  Allow those areas and people who are having success to continue without interference.  There are always areas of the church that need help.  Only make changes there.  If modifications are to be made in an area of the church that is doing well, make sure they are small modifications that will not offend those who are causing progress.

Using Icebreakers In Your Church

As the name implies, an icebreaker session is designed to "break the ice" at an event or meeting. It is a technique that is best used with people who do not yet know one another very well. Ice breakers ease people through those uncomfortable moments that come with getting to know strangers.

Most people know us by our profession. We are known as a teacher, carpenter, doctor,                     housewife, etc. Some may know us from church, but they don't really know us in a meaningful way. Whether your group has known each other a long time, or has just recently gotten together, icebreaker sessions allow a group to get to know one another more intimately. A great icebreaker stirs us to talk about our hobbies, personal experiences or even our family backgrounds. A group that’s more in tune with each other makes better decisions. They feel a sense of trust and are able to work together more productively

Topical Preaching

There are  many pros and cons to topical preaching. Many Bible scholars feel that expository preaching is the only way to preach. They point out that you must preach verse by verse through the text in order to keep the story in its context. This is correct and very true, but a good topical sermon can also be kept in context if prepared properly.

When you look at the New Testament examples, both Peter and Paul preached on topics and used scripture to support their points. They did this very well in the epistles. The most famous sermon in the entire Bible is a topical sermon. The Sermon on the Mount is considered by most Bible scholars to be the greatest sermon that Jesus ever preached. The beatitudes are in this sermon, the Lord's prayer is in this sermon, and The Golden Rule is in this sermon. Jesus spoke on topics and used Old Testament scripture to supports His teachings. He did not preach verse by verse through entire chapters or books. Even the Old Testament prophets were very topical in their messages. If we are using the Bible as our example on how to live, we should also use it as our example in how we preach.

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.

Confused About Your Calling?

Probably the worst thing that can happen to a God-called minister of the Gospel is that they would be confused about their calling.  Confusion in the ministry thwarts the positive impact of the church.  No congregation or ministry can move forward when the leadership of that organization is confused about their calling. 

Whether we are talking about an individual’s or an organization's calling, confusion can kill their potential.  Some men/women spend their entire lives confused about their calling.  Hearing a call from God, but listening for direction from other people. 

It’s important to understand that every Calling is not a call to preach.  Some would argue this.  Countless young men and women have felt a call on their life, but got their direction from good-meaning people who put Preaching on them.  “You’re going to be a great preacher.”  “I feel you are called to preach!”  Prophecies are spoken over these people by many misguided folks who believe or  have been taught that only a preacher can have an effect on the work of God.  Some would have every worker in the harvest to be Great Preachers.

Stop!  The world does not just need more preachers.   It needs more people who are concerned about souls.  It needs compassionate people who care enough about their fellow man to pray for them and invite them to church.  It needs not preachers, but teachers.  Teachers who will take Bible in hand and sit in someone’s home and teach them a Bible study.  Truth is hard to come by, yet it is right at our fingertips.  Our generation is lost for a lack of understanding of the Bible.

What is the calling you are called to?   Share truth with someone who does not know the truth.  Jesus said, “I share with you a truth”.  Long before Peter was preaching on the day of Pentecost, Jesus (our example,” was teaching in the synagogue.

What is it about our human nature that desires to be “The one up front.”  The one doing the talking.  What is it about our human nature that desires not a teacher, but a preacher.  Midweek Bible studies have only a slice of the attendance that Sunday preaching services have.  Why is that?  We are still coming together to worship and share the Word.  Yet on Sunday there is preaching and on the midweek service there is teaching.  And the church would rather hear a preacher than a teacher. 

It’s in our nature.  We want an icon.  We want someone to idealize.  We want a spokesman for our church.  We want preachers.  So every person who feels a call on their life gets “pushed’ into the preacher mold.

How Do You Demonstrate Leadership?

Fundamental principles underlie the thinking and conduct of all true leaders, and these principles are even sharply defined for leaders within the kingdom of God. From time to time those whom the Lord has chosen for leadership need to examine themselves in the mirror of thought- provoking maxims. These proverbs are designed to help Christian leaders move forward in administrative excellence.

Responsible leaders do not make irresponsible statements.

A godly leader speaks out of the presence of God.

A humble leader never makes light of eternal truths, but esteems them with reverence.

A wise leader resolves conflicts peacefully, not forcefully.

An enduring leader withstands insult without anger.

A wholesome leader is characterized by tolerance, which saves him from hasty decisions in crisis, and retaliations in the face of contrariness.

The good leader attempts to make friends, not enemies.

Dealing harshly with opponents causes more aggravation and hostility. A polite leader uses gentleness and kindness.

It's Not The Size of The Church, But Its Health That Counts!

I’ve heard many people say over the last year that, as we enter into the 21st century, it will not be the size of the church that matters, but its health that will ensure its survival. So, what about the health of the church? May I suggest a few guidelines for assessing the health of a congregation of any size?

1. Biblically based. Do your congregation members have a clear understanding of what they believe and substantial information to assist them in defending their faith? Is there a discipleship- training program?
2. Mutually concerned. Do your people genuinely care for one another? Is there a system in operation that easily allows your congregation to know when people have needs and a prayer chain to respond to those needs?
3. Socially concerned. If you do not have a small group ministry, do you have a Sunday School program that provides adequate time for your people to break bread together? Church is fellowship as much as it is a formal worship service.
4. Community saturated. Are you aware of the day-to-day decisions that are made in your community that affect the school system, the social programs, and the overall moral climate of the city you serve?
5. Financially stable. The church that is fiscally responsible will be able to weather any situation. Every pastor and board should insist on maintaining a certain dollar reserve, and do everything possible to avoid paralyzation of ministry through an unrealistic building or property debt. People must be taught by example to give and to give cheerfully.