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.

Five Things Every Pastor Should Be Thinking About

We find this reference in...

Ephesians 4:11

11 And he gave some, apostles; and some, prophets; and some, evangelists; and some, pastors and teachers;

The Greek word for pastor is, "poimen," which simply means a shepherd. The Hebrew word for pastor also means shepherd.

In modern day church culture, a pastor has also become much more than that. Unfortunately, the pastor has taken on every part of the five-fold ministry himself, thereby taking on offices not intended for him. This has led to much confusion and frustration for many who are pastors or feel led to become a pastor.

In modern vernacular, a pastor has become ' a one man, do it yourself, even though I am not really qualified to, kind of leader.' As Lee Stoneking stated, we have become a 'pastor driven organization.'

With that in mind, the very first thing that every pastor should consider is:

1.      Is my office of pastor fulfilling God's role for a pastor?

A pastor is primarily a shepherd, somebody who cares for, protects and provides for every sheep in his flock.

·         He is also the overseer of the flock.

·         He is one who has experience.

·         He must have a ready mind.

·         He must manage the affairs of his flock.

1 Peter 5:2

2 Feed the flock of God which is among you, taking the oversight thereof, not by constraint, but willingly; not for filthy lucre, but of a ready mind;

As the shepherd, the pastor can also serve the role of the teacher. The pastor feeds his sheep through the teaching and preaching of the word.

Acts 20:28

28 Take heed therefore unto yourselves, and to all the flock, over the which the Holy Ghost hath made you overseers, to feed the church of God, which he hath purchased with his own blood.

The Word of God is our 'bread of life', the pastor must be ready and able to teach and relate the scriptures to every member of his flock.

There isn't any one man who can fulfill the modern-day role of a "pastor." You can only fulfill the role of pastor as God designed -- as part of the five-fold ministry. Otherwise you will fail God, yourself, and most importantly, all of the people that you lead.

You need help, you can't do it all alone. If you want to succeed and grow your church you must operate as a pastor in the scope of the five-fold ministry.

Ephesians 4:11-13

11 And he gave some, apostles; and some, prophets; and some, evangelists; and some, pastors and teachers;

12 For the perfecting of the saints, for the work of the ministry, for the edifying of the body of Christ:

13 Till we all come in the unity of the faith, and of the knowledge of the Son of God, unto a perfect man, unto the measure of the stature of the fulness of Christ:

As a pastor in this era of the church, you will have to be the one to re-instate the offices of the five-fold ministry in your church, it is up to you, nobody else will do it.

Some ABC’s of Modern Ministry

What are people, especially younger generations, looking for?

Authenticity, Not Hype – In all things, the church should strive to be genuine – to be real.

Balance, Not Burnout – For a world running on empty, where teenagers use Day-Timers, the church should be a place of balance.

Connections & Community – A place to belong.

Disciples, Not Decisions – Recognize the different stages of faith development. (Making a one-time decision for Christ is not enough. Christianity is a lifetime walk not a one-time decision. Once the decision has been made, training for growth must begin. How many “saved” are still in the church growing six months or more down the road?)

Get Some People Principles!

You cannot consistently perform in a manner that is inconsistent with the way you see yourself. Think about it. It's a fact of life that people spend the most time doing what they believe will benefit them most.

When you realize that people treat you according to how they see themselves rather than how you really are, you are less likely to take personally their behavior toward you.

If you're willing to stand apart from the crowd, you're putting yourself in a vulnerable position. Count on some degree of criticism.

People withhold their best efforts when they see little or no relationships between what they do and how they are rewarded.

The key to relating to others is putting yourself in someone else's place instead of putting them in their place.

Confidence is contagious.

A Word To The Next Generation Of Leaders

"Being a young, next-gen leader is a difficult calling."

You think differently than your more conventional colleagues. YOU CHALLENGE, REINVENT, AND MIX IT UP. You buck traditional models of leadership and you're constantly on the hunt for new ones. Many of your peers and elders in the ministry may not understand your calling.

Keep in mind a few things...

• It's important to see where other men have been. It is easy to stand on the sidelines and critique other people’s ministries. Keep in mind, you have not walked in their shoes or been where they have been.
  
  The mistake that too many young ministers makes is to assume to have superior knowledge over an elder in the ministry who has struggled to make something happen. If you honor those men and women who have tilled the ground before you, God will give you the fruit of their labors.
  
  
• Your greatest asset as a leader will be your mentors. Every Man or Woman of God is a product of the ministers who have invested themselves into their ministries. There is nothing new under the sun and you are not unique from those who have mentored your life. For good or bad, the Pastors and Mentors of your life have touched your ministry. You have been affected by each of them. You have learned things to do and things not to do in your ministry by observing them. Your love and honor to them will determine the level of respect and honor that will be given to your own ministry.

• Stay close to someone more experienced. We learn from those who are able to teach us. If you surround your ministry with people who are less experienced or knowledgeable than yourself, you will become “dumbed-down”. Find some ministers who are heavily involved in the areas of ministry that you feel called to work and begin to glean from them. These men and women are usually very open to teaching a younger minister the ropes.
  
  

Check up From the Neck up

Five truths of attitudes:

Truth #1:  Our attitude determines how we approach life.

Are you someone who sees the glass half full or half empty?  Do you even see the glass?  The attitude we have whenever we wake up in the morning will usually dictate how the rest of our day will be. 

The story is told of the grandpa and grandma who visited their grandchildren.  Each afternoon, grandpa would lie down for a nap.  One day, as a practical joke, the kids decided to put Limburger cheese in his moustache.  Quite soon he awoke sniffing.  "Why, this room stinks," he exclaimed as he got up and went out into the kitchen.  He wasn't there long until he decided that the kitchen smelled too, so he walked outdoors for a breath of fresh air.  Much to the grandpa's surprise, the open air brought no relief, and he proclaimed, "The whole world stinks!"  How true is that in life?  When we carry "Limburger cheese" in our attitudes, the whole world smells bad to us. 

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.

The Witnesses: Amy Wilson Carmichael

(1867-1951)

Amy Wilson Carmichael was born December 16, 1867 in a small village in Northern Ireland. Her parents were evangelical Christians and she committed her life to Christ's service at a very young age. 

One story of Amy’s childhood noted that when she was little, she always wished she’d had blue eyes instead of brown. As a little girl, she prayed for God to give her blue eyes, but she never received them. 

Carmichael was the founder of a women’s group in Belfast that quickly grew to over 500 women and they needed a larger place in which to meet. She saw an ad in a newspaper saying an iron building could be built for £500 that would seat up to 500 people. A donation and a plot of land were given, and the building of the first “Welcome Hall” was built.

Amy felt led to fulfill her call in missions. In many ways, she was an unlikely candidate for missionary work. She suffered neuralgia--a disease of the nerves that made her whole body weak and achy--and she was often bedridden for weeks on end.

At the 1887 Keswick Convention, she heard Hudson Taylor, founder of the China Inland Mission, speak about missionary life. Initially, Amy travelled to Japan for fifteen months, but she later found her lifelong vocation in India.

Money Matters - Christian Expectations

Too often people are afraid to budget because it seems to be more trouble than it is worth.  However, a budget is not a nervous breakdown on paper.  It is an organized and systematic manner of controlling income and expenses so a person can recognize danger areas in their financial life before they happen.

Too many Christians find themselves in financial hardship.  Why?  We belong to the body of Christ and we have God on our side.  If heaven is his throne, the earth his footstool; if He owns the cattle on a thousand hills, then why are his children struggling and finding it difficult to “get by” in this affluent society?

The secret to getting ahead is not from “have luck in the stock market” or “making that once in a life time investment” or even in “receiving an inheritance from a wealthy family member”.  It is defined as time!

All the investments and inheritances one can attain will not be the solution if you don’t take the time to plan and protect.  People must take the time to discipline themselves to have a written plan that will provide the guidelines of scheduling money in and out of the home, thus providing a means of protection from financial disaster.

A Christian should expect their finances to be in better shape than that of the average person in the world.  Christians have the backing of the God of glory and His Word!  One of the first things a Christian should do is take the time to investigate the scriptures concerning their financial situation.  Notice some scriptures that give us guidelines for planning, preparation, and protection of finances.