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Money Matters - Basic Causes Of Financial Difficulties
By: Aubrey Jayroe
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.
- 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.
- Failure to identify priorities. A person and family must identify their priorities if they are ever going to be successful in their financial life.
- 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.
- 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.
- Failure to control spending. A written control is necessary to control impulsive spending. Limits must be established and kept.
- 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.
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Why is it that so many Christians who are working are not doing well financially? Unfortunately too many Christians are not equipped with the scriptures and methods required to better manage their money. God has redeemed man from the curse of the law to give him liberty in all things. This includes money.
A person who calls himself a Christian must adhere to the scriptures in order to better prepare himself. Christians should not worry about money. They should not fret about their finances. But they should rely on the blessing of God to provide for them everything they need.
In the Chronicles, the young king Amaziah was entrusted with the army of Judah. He numbered them and prepared them for battle. However, with only three hundred thousand men ready for battle, the king felt that he needed more soldiers. So he contacted with Israel for one hundred thousand more men and paid one hundred talents of silver for their services.
The man of God came to King Amaziah and said that God did not want him to use the soldiers of Israel and if the king did so, God would not be with him. It was obvious what had to be done, however, the King questioned the man of God. “What then shall I do with the hundred talents of silver that has been paid for the service of Israel’s army.” The man of God replied, “God is able to give you much more than this!”
God is able…fully capable…ready and willing to give you much more if you will only learn to maintain his economic plan and manage what you have. You can have the blessings of God on you life by obedience.[ read more...]
Over the holiday season, I took my family shopping in Chicago. As we were heading home to Indiana, it was dark and you could see the lights of the city. As we topped the Skyway (a very high bridge), I looked out and viewed a sea of rows of lights from the street lights below. Thousands and thousands of illuminating beams of light in every direction. As I drove along viewing the endless rows of lights that make up the Chicago skyline, I couldn't help think about a man by the name of Thomas Edison. He's the guy who thought up the light bulb. Without him, we would still be in the stone age with regards to much of the technological breakthroughs of this century. As I thought about Mr. Edison, I couldn't help wishing he was there with me right then to see the spectacle of light that came from his dream.
Over 10,000 failed experiments went into the first light bulb being created. People all around him, inventors and investors alike said he was mad, even insane.
- He believed in something no one else believed in.
- He saw something no one else saw.
- The light bulb!
You can buy them for around a quarter today. Imagine, a world without the light bulb. I could go on and on telling of all the inventions and advancement which came as a result of that one human hair dipped in carbon and encased in vacuumed glass.
It's hard for us to imagine a world without cars, computers, airplanes, Palm Pilots or light bulbs. However think with me for a minute. For thousands of years, the best mode of transportation was the horse. From the beginning of time the very best thing the human mind could come up with was a saddle to put on that poor beast of burden. They thought they really came up with something when a guy from England came up with something called the stirrup to keep a rider from falling off.
This last century has been filled with incredible advancements which we credit to the superior minds of our century. However, I'm not so sure we should give the credit so vainly to our selves. Yes, the Wright brothers really had something with that small glider. Yes, Henry Ford had a great idea with that assembly line. But, let's not be so foolish as to think that the medical, technological, manufacturing, farming, space exploration advancements have come from the human mind.[ read more...]
How do we preach to those who have heard it all? Here are seven ingredients:
- Round out Bible characters. For many sermon veterans, familiar Bible characters are flat, one dimensional, either good or bad. But real people have inner tensions, complications, and mixed motives. When a preacher portrays that, listeners identify readily.
- Get specific about application. An example is more powerful than an explanation. There’s a world of difference between telling someone that prayer changes things and sharing a fresh example of a situation transformed by prayer.
- Let it grip your soul. A critical quality in preaching effectively to those who’ve heard it all is sincerity. If our sermon is honest and heartfelt, a truth as common as “Jesus loves you” can thunder in the hearts and minds of our listeners.
- Address the tough question. We would like to think that hearing a lot of sermons would answer most of a person’s questions. But people who have heard it all love to hear a preacher tackle the tough ones.
New Pastors often make elementary mistakes when they assume the pastorate of a church. Even though you’re now the pastor, you’re still the “new kid on the block.” Listed are some strategies to employ during the first year of your new pastorate.
- Earn confidence by showing competence in decision-making.
- Focus on people first – programs second.
- Make no major changes the first year.
- Promote health through loving the people.
- Tackle the most critical problems one at a time – line them up single file.
- Respect culture – each church has its unique history.
Today I yield the floor to one of my mentors. Dr. Fred Childs is a leading church consultant, organizational development expert, and leadership authority. He and Monica reside in Pearland, Texas. Dr. Childs ministry of leadership development within the church has transformed my ministry through the years.
His books and training material have revolutionized hundreds of churches and ministries. His personal testimony is one of many miracles with a very powerful pulpit ministry.
In the last decade, Microsoft introduced its Windows 95 operating system. As one of the many who utilized this software, I would routinely sit and wait the few minutes for my computer to boot up. I never pondered the immense importance of these wasted daily minutes until I participated in a corporate time management seminar in 1996. I was shocked to discover that the cumulative total of the time wasted as individuals waited the few minutes for Windows 95 to boot up exceeded ten thousand man years per day!
Time is valuable. In training and facilitating several thousand professional and corporate teams, I have documented millions of dollars in bottom-line savings and multiplied productivity simply by eliminating the wasted time from the operating processes used to manufacture goods and produce services. The root cause of the rise or fall of many organizations is their ability to manage time efficiently and effectively.
Time is life, and it is perhaps our most precious resource. It can be a tremendous friend or foe, and it is ours to do with as we please. Every moment should be cherished, for it is a commodity that can never be replenished. It is used once and then it is gone forever.
One of the greatest keys to effective leadership is the proper utilization of time resources. There is no greater example of time mastery than the life and ministry of Jesus Christ. Scriptural study cannot reveal a single wasted minute in the life, ministry and actions of Jesus! A tremendous example of His personal mastery over time and priorities was in the account of Lazarus. John 11:6 says, “When he had heard therefore that he was sick, he abode two days still in the same place where he was.”[ read more...]
Why is it that in some churches, meeting with the creator of the universe is often a boring showcase for bad music, inept preaching and poor taste? Listed are 9 perspectives that can enhance the effectiveness of your services.
- Put yourself in the congregation’s shoes. Pastor, how long has it been since you just sat in the congregation? How often do you really try to identify with the needs, hopes and dreams of those in your congregation?
- Tell stories. Storytelling was Jesus’ primary method of teaching. He put the most profound concepts into simple and compelling stores that captivated people and changed their lives. Never telling a story is a prescription for putting people to sleep.
- Question everything. Why do you take up the offering the same way each week? Why do you always sing the same hymn of invitation?
- Find some fresh jokes-or don’t use any. How many of you would rather be here in church than in the finest hospital in town? Please discard your moth-eaten jokes. Otherwise your congregation will start laughing out of pity, not humor.
- Go beyond your trusty old sermons of the past. Yes it’s nice to have some standby messages you can rely on. But the danger is that the more you preach the same sermon, the more difficult it is to present it with conviction, originality and excitement.
The carpenter relies upon his tools to be correct for whatever job is being done and, also, that his saw is sharp and the proper cutting type. No real builder of various items would even think about doing quality work without the best of tools to aid his efforts. Consider what type of music would come to the ear, if the wrong instruments were played for certain parts, or worse; the instruments were out of tune or broken down - guitars missing strings, a drum with a hole in the skin, violins with loose strings, a trumpet clogged, and so on. Without the instrument being correct and in good shape, the person working or playing could not be able to perform at peak. Now, consider the same truth with regard to God and His saved vessels.
We are the instruments that God plays upon, works through and, if we are in terrible condition, or out of tune with His purposes, what can we ever accomplish for Him?[ read more...]
1. Clutter can slow you down by distracting you from what you want to do. To take control, begin in one corner of one room and straighten up. (No cheating! Don't just move the clutter to another corner!) Afterward, give yourself a reward for your good work. If you continue this pattern over time, you'll get the job done.
2. Do you arrive at your office most mornings frazzled from too much rushing around before leaving the house? Prepare for your departure the night before: put your coat, car keys, and briefcase by the door, ready to grab, and set your alarm fifteen minutes earlier. You'll start the day feeling more in command.
3. The next time you pass a card store, stock up on a supply of "thank you," "congratulations," and "great job" cards. Keep a supply at the office and some at home. Remember how you feel when a good word is sent your way and be generous in your compliments to others.
4. Do you keep "to do" lists that run on for pages? If you often feel discouraged by what's not crossed off your lists, make them shorter. The most effective managers identify only three top priorities each day. And their self-esteem is stroked repeatedly when they cross off all three tasks, day after day.
5. In today's world of so-called advanced telecommunications, more people identify "telephone tag" as their biggest time waster. When you leave a phone message on someone's voice mail or answering machine, remember to cover the four W's: who called, why you called, what you'd like the receiver to do, and when you're available to receive a return call. A specific request with detailed information increases your chances of a reply. Furthermore, on the incoming message of your answering machine, direct callers to leave you answers to the four W's.[ read more...]
A topical message is a sermon when a passage of scripture is used to support a single topic. You should be able to state what the topic is in a single sentence. This topic is then communicated to the hearers through the use of several different scriptures that all address the truth of this topic.
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.[ read more...]