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.

Fish Bowl Mentality

Few people will deny the theory that a local church stops growing as the size of the church building reaches 80% capacity.  The reason for this is purely human and not so spiritual.  Most people simply will not tolerate feeling crowded in the pews.  Using chairs instead of pews helps this problem somewhat, but eventually the congregants feel like their space is being invaded and soon become uncomfortable.

However, this is not the biggest reason for a church's lack of growth or the reaching of certain size and then growth stopping. 

We use the analogy that a fish will only grow to a certain size in a small fish bowl but in a larger pond for instance, the fish can grow much larger.  I’m not so sure however, that God’s church should so easily be compared to a fish.  I suggest that the building however, is not necessarily the problem in most cases.  In fact, we have all seen churches who were literally bursting out at the seams.  In many parts of the world today, revival is happening at an unprecedented rate.  Pews are packed and chairs are in the aisles.  Some churches are utilizing 2-3 services per day to accommodate the crowds. 

While it is true that most people don’t like to be in a crowded atmosphere, it is also true that people will come when they are being fed.  Jesus asked Peter, “Do you love me Peter?”   Peter responded in the affirmative and when he did, our Lord told him to “Feed my sheep.”  He did not tell Peter to house them or get them plenty of exercise.  He told him to “Feed Them."

Two Prophets, Two Messages

Every so often while reading the Bible, I get flashbacks to my years in Sunday School. Most of those flashbacks come from the 'memory verses' I had to memorize each week for Sunday School. It never ceases to amaze me that thirty years later those verses are still stored somewhere in my memory.

Recently, while reading the book of Jeremiah, I had one of those flashbacks and it led to a deeper study of this story.

You will probably recognize these words just as I did;

Jeremiah 29:11-13

11 For I know the thoughts that I think toward you, saith the Lord, thoughts of peace, and not of evil, to give you an expected end.

12 Then shall ye call upon me, and ye shall go and pray unto me, and I will hearken unto you.

13 And ye shall seek me, and find me, when ye shall search for me with all your heart.

What a powerful verse this has been to me and to many others over the years.

Imagine comforting and powerful this must have been for Judah to hear. Judah had been taken captive by Babylon. They had no future. Their land, their possessions and their children had been stripped from them. They thought God had abandoned them. They thought God was done with them. Then, the prophet Jeremiah brings this promise of hope and deliverance.

As comforting as this was to Judah, most of us overlook an important detail of this prophecy found in the previous verse;

Jeremiah 29:10

10 For thus saith the Lord, That after seventy years be accomplished at Babylon I will visit you, and perform my good word toward you, in causing you to return to this place.

The promise of deliverance was given, but it would take seventy years for deliverance to come. An entire lifetime for most. That meant almost every person who was taken captive would die in captivity. Imagine receiving a promise that your answer has come but then discovering you would have to wait seventy years to receive it. That is like receiving no answer at all.

During Jeremiah's time there were many prophets sharing many messages. In this particular story, there was another prophet named Hananiah. Hananiah shared what sounded like a similar message to Jeremiah's, except for one slight variation;

Jer 28:2-4

2 Thus speaketh the Lord of hosts, the God of Israel, saying, I have broken the yoke of the king of Babylon.

3 Within two full years will I bring again into this place all the vessels of the Lord's house, that Nebuchadnezzar king of Babylon took away from this place, and carried them to Babylon:

4 And I will bring again to this place Jeconiah the son of Jehoiakim king of Judah, with all the captives of Judah, that went into Babylon, saith the Lord: for I will break the yoke of the king of Babylon.

What is Leadership?

What is Leadership? Leadership is first and foremost influence. When you look over history, you will find People like Hitler, Churchill. Mother Teresa, Gandhi, Martin Luther King, who were all great leaders. Not all of them were great people, but they had a way of drawing the masses into their way of thinking.

Of those people listed here, the one who intrigues me the most is Adolph Hitler. If there ever was a political mad man, he was one. However, with all of his error, he was able to lead the masses of Germany into his way of thinking. He was able, with his mindset of madness, to convince them, that murderous mayhem was the necessary means of creating a better and stronger Germany.

So, leadership is influence. How a person uses that influence is the proof of that persons character. Some even in church arenas, have used their influence of people for their own self gratification. Their own self-preservation. And their own agendas. This is not Godly or Spiritual Leadership, however it is Leadership.

Regardless of the result of your effect on a person’s life, whom you have influence over, you are ultimately leading them. It may be your children. It may be the people who work for you or are under you in a corporation or church. It may be the kids in your Youth Group. Or it may be the people you Minister to in your local church.

I recognize the effect of my father’s leading in my life growing up as a child. For years, my father was an alcoholic. He beat his wife. He neglected his children. He abandoned his post of fatherhood, yet he was, with all of his silence in my life, leading and influencing me. Who I would become as a man, was being formed by a person who, for the most part of my childhood, was absent.

Drawing From A Dry Well

I stared out of my office window. In 3 hours my congregation would be filling the auditorium to receive watering for their souls and seek direction and inspiration. The prospect used to snap my adrenaline to attention and send me bounding through the sanctuary straightening chairs, adjusting microphones, checking thermostats. Anticipation of the Holy Spirit’s ministry would stir my faith with expectation. It was my favorite time of the week – then. I managed to continue preparing messages, but careful planning of the services overloaded the limits of my emotional energy. I winged it more Sundays than I care to admit. Routine pastoral tasks were postponed or neglected. Knowing I wasn’t giving the pastorate my best effort nagged my conscience and compounded my distress. Thankfully, I survived. Ministry once again puts a bounce in my steps. My devotional life has regained its pulse. Vision and purpose flow through my veins. I’ve come through to the bright side of the “valley of the shadow of death.” Here are some things I learned about surviving when the well runs dry.

1. Recognize the Adversary. According to I Peter 5:8, we have an adversary who seeks to devour us. Satan’s strategy is seen throughout the Scriptures – to strike shepherds and scatter the sheep. For instance, he assaulted Timothy with insecurity and inadequacy. I was Timothy. Satan harassed me with thoughts: You’re a failure. You’re a terrible pastor. Your aren’t gifted enough. The church would be better off without you. You’ve missed your calling. They hounded my mind continually, and I gegan to believe them. Then I had to trust that He would equip and enable me to get the job done. I went to the Scriptures that speak of endurance and perseverance. Deep down I knew I had to press on, and God would see me through. He did. I’m thankful I didn’t quit.
   
2. Settle the Commitment Issue. Another breakthrough came by committing myself anew to the call of pasturing. Discouragement caused me to entertain ideas of quitting the ministry and pursuing other professions. Mentally I packed my bags daily. The fantasies provided brief oases in my desert, but ultimately they sucked me down into deeper depression. Indecision frustrated and complicated my state of mind. I became angry that the ministry forced me to say “No” to other options. Then Jesus’ words began to impress my thoughts, “Whosoever wishes to save his life shall lose it; but whoever loses his life for My sake shall find it.” (Matt. 16:25). I was trying to save my life. Leaving the ministry would be a cop-out and would cost me long-term blessings and character development. Therefore, I determined to stick with it and be faithful to the call. Even if it killed me, I would give myself to the ministry. It was a turning point. The distracting, conflicting desires faded. Contentment came, followed by genuine joy.

Money Matters - Reasons For Our Working

There are reasons that we have to work.  Listed are some brief reasons that we are to work and the benefits we gain from it.

1.  We work to provide for our Family.  I Timothy 5:8 says, “but if any provide not for his own, and specially for those of his own house, he hath denied the faith and is worse than an infidel.”

• God expects a Christian to labor to provide for family needs.  Providing for family necessities is a part of keeping the faith.  Failure to do so makes that person equivalent to an unbeliever.

 2.  We work in order to help others.  Ephesians 4:28 says, “Let him that stole steal no more: but rather let him labour, working with his hands the thing which is good, that he may have to give to him that needeth.”

• Our generosity to help others is important to our Christian character.  We must be concerned with the needs of other.

3.  We work to render to God.  Mark 12:17 says, “…render to Caesar the things that are Caesar’s, and to God the things that are God’s.”

• God gives us the 100% so that we might in turn give him 10%.  By doing so, he blesses the 90% that is remaining.

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.

When No One Cares Who Gets The Credit.

There is no limit to what can be accomplished when no one cares who gets the credit.  It is important to cast a vision of servanthood to lay leaders and those in the church who serve the body of Christ.

Preach servanthood.  There can be no greater example of servanthood than Jesus Christ.  He was someone who could have expected everyone to serve Him.  However he continually offered himself as the servant of all.  You get what you preach.  If the church needs to be reminded to serve one another, Preach servanthood.

Live servanthood.  If Jesus can do it, so can the preacher.  People live by our example more than what we preach.  If we preach servanthood but live lordship, people will become confused and view it as hypocrisy. 

Reward servanthood.  Praise those who put others first.  Openly applaud those who go out of their way to put others needs before their own.  Jesus said, “When you’ve done it to the least of these, you’ve done it unto me.”  He wanted us to know how important servanthood was as

Are You Trained To Fail?

“Have you been trained to fail?”  You have been trained in ministry to fail if you have been taught to do the ministry rather than to train others for ministry.  I am grateful to the teachers who taught me to perform the functions of ministry:  visiting, counseling, marrying, burying, teaching, witnessing, and a host of other duties.  All are needed.  By themselves, however, they help us only to maintain, not to maximize ministry.  We can never be effective ministers until we learn what it means to be a leader and how to function as a leader.  The following are five common ingredients in growing churches:

• (1)  The pastor and the congregation understand their God-given gifts and use them in ministry.
  
• (2) The pastor’s hands-on ministry decreases and the congregation’s increases.
  
• (3) Both the quality and the quantity of ministry increase.
• (4) The pastor’s ministry influence increases as he shares ministry responsibilities with the congregation.
  
• (5) A biblical philosophy of ministry is established.  That is, leadership plus lay ministry equals growth.

How can you build a leadership team and maximize ministry in your church?  The following six steps are proven and effective.

1. Identify the leaders in the church.  Who are the influencers?  These persons may hold formal or informal positions of leadership.  They are the ones to whom others look for decisions.  Write down their names and rank them on a scale of 1 to 10 as to their leadership and influence within the church.
2. Intentionally take time to build relationships with your current and future leaders.  Do not ignore or exclude the others, but focus on developing leaders.