Tag Archives: Money Management

Avoiding An Insignificant Life

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A Desire For More Stuff

Let me share something with you that you may not know about the average 5-year-old in America— the average 5-year-old in America has 250 toys! Yes, I said 250 toys! Now, let’s apply some math to that. A 5-year-old has only lived on planet Earth for roughly 250 weeks. So, that 5-year-old has grown up getting 1 new toy every week—on average—for their entire life! That’s just the AVERAGE! Some have 500 toys! Others have 1000! And why are we surprised that they are rarely satisfied? That they are always wanting more? We’ve trained them to be “consumers,” haven’t we? We’re a culture that’s consumed by a desire for more stuff!

The Stuff We Don’t Have

We’re constantly exposed to commercials that advertise all the stuff we don’t have and tell us that we need it! “Our friends went to Best Buy on Black Friday and got a new 70” Smart TV, and our puny 55” TV just doesn’t cut it anymore”— that’s the general mindset of the average American! You take a ride in your friend’s new car and you love that new car smell! You get back in your old car and it smells like french fries and damp, moldy soccer cleats! You walk through SAMS, Target, or COSTCO and you see all this new stuff that you NEED! You didn’t know you needed it until you got there and saw what you were missing! Now, I may be exaggerating a bit, but not by much!

Stewards of God’s Estate

If we’re followers of Jesus, we can’t tolerate that selfish consumerism controlling our lives! We must see ourselves— as Scripture tells us— as faithful “stewards” of God’s resources! We “manage” a portion of God’s “estate” that He’s entrusted to our care! How are we doing with that? If you live your life like you think you “own” your stuff, you’ll waste it all on building your own “little kingdom”— you’ll live an insignificant life! For the one claiming to follow Jesus, we should not fear failure as much as we should fear success at something that really doesn’t matter in light of eternity! We need a constant reminder from God’s Holy Spirit that NOTHING we have is truly our own! It all belongs to God! And whatever He’s given us, He’s trusting us to manage it well for Him or to leverage it in a way that builds His “big kingdom”! That’s how we avoid an insignificant life!

How To Beat Consumerism

In the Apostle Paul’s first letter to Timothy, he instructed him to: “Instruct those who are rich in the present age not to be arrogant or to set their hope on the uncertainty of wealth, but on God, who richly provides us with all things to enjoy. Instruct them to do what is good, to be rich in good works, to be generous, willing to share, storing up for themselves a good reserve for the age to come, so that they may take hold of life that is real” (1 Timothy 6:17-19). Here’s how I would paraphrase Paul’s challenge: You beat consumerism by denying your flesh and by chasing a new passion! It’s not just enough to deny your flesh; you need to live for a new passion! To the rich, he says, don’t be arrogant (v.17). So, a key to avoiding the insignificant life is to renounce the financial pride that can overtake us! Remember, it’s not ours!

Your Giving Reveals Your Heart

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Money Is An Exact Index

Richard Halverson served as the Chaplain of the United States Senate from 1981-1994. Some considered this statement he made, about money, to be controversial:  “Jesus Christ said more about money than any other single thing because, when it comes to a man’s real nature, money is of first importance. Money is an exact index to a man’s true character.  All through Scripture there is an intimate correlation between the development of a man’s character and how he handles his money.” Money is an “exact index” to a man’s true character, he says! In other words, you can get a good feel for a person’s level of spiritual commitment by checking out their spending habits!

Where Your Treasure Is

Jesus said it like this, “For where your treasure is, there your heart will follow” Matthew 6:21. What your money goes after is a pretty clear indication of what your heart goes after! What your hands buy is a reflection of what your heart is doing with God! I saw this 1st hand because I didn’t grow up in a Christian home. I was 13 when my parents came to faith in Christ; and, I saw how it impacted all their decisions about finances. So, the “quality” of your faith will reflect in all your financial decisions, as well as the level of your generosity. Jesus said, “If you love me, you will keep my commandments”; and, He had a lot to say about money! Nearly half of his parables were about finances— He talked about money & possessions more than all His talks on heaven & hell combined! REALLY!

Money Can’t Be A Taboo Subject

All of this means that it’s impossible to separate your financial life from your spiritual life. We can’t make money a taboo subject in the Church & the pulpit when 1 out of every 7 verses, in the New Testament, deals with money. Think about this: There are 500 Bible verses on prayer; LESS than 500 verses on faith; and, more than 2,350 verses on money! If the Church is to be faithful to the Word of God, we can’t NOT preach and teach about money! There is a fundamental connection between your spiritual life, and, the way you think about & handle money! Your financial decisions ultimately reveal what you think about God! And, it’s vital to your walk with Christ— to your SANCTIFICATION & your spiritual growth— that you listen and obey what the Scriptures say about this. You’ve got to get this right, Church!  

We’re Managing God’s Stuff

Let the Holy Spirit, who indwells you as a believer, convict you with God’s Word if you’re not doing this right! And, REPENT! Make the right decision for God! As we conclude, let the words of the Apostle Paul to the Church of Corinth speak to your heart:  “Remember this, the person who sows sparingly will also reap sparingly, and the person who sows generously will also reap generously. Each person should do as he has decided in his heart—not reluctantly or out of necessity, for God loves a cheerful giver…You will be enriched in every way for all generosity, which produces thanksgiving to God through us.” 2 Corinthians 9:1-12 . In other words, how you spend your money is an “exact index” to your spiritual character. Be honest with yourself, and be honest with God about this. He already knows your heart!
 

Do I Really Own My Stuff?

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Are You An Owner Or A Steward?

You don’t want to be on the wrong side of that question! If you don’t listen to the Word of God—when it comes to your finances & your stuff—you’ll forfeit something. God will oppose you as long as you live like an “owner” of YOUR stuff rather than a “steward” or a “manager” of HIS. The prophet, Malachi, was inspired by God’s Spirit to write: “Will a man rob God? Yet you have robbed ME! But you say, ‘In what way have we robbed You?’ In tithes and offerings. You are cursed with a curse” Malachi 3:8,9.   Clearly, God means for us to understand that our resources are not ours to use however we may wish!

God Owns It All

In my last post, I challenged you with Scripture that makes it clear that God owns ALL of it! He doesn’t just get our tithe & offerings; and, the rest is ours to spend on ourselves! He owns it ALL—Deuteronomy 10:14; Haggai 2:8; 1 Corinthians 10:26. As stewards, we are responsible for managing the portion of HIS “estate”—that He has entrusted to us—the way that HE wants it to be managed! We don’t have the freedom to do what we want with it! Our responsibility is to spend it the way He directs us! We have to get this right, Church! You’re the STEWARD of your stuff, not the OWNER! Repeat that out loud! You need to convince yourself of that! Here’s what you need to do—you need to do an AUDIT of your finances! And, if God’s Spirit shows you that you’ve been living like an owner instead of a steward, you need to “repent.”

Change Your Mind

To “repent” literally means to “change your mind” about something. If you’ve not been obedient, in this area, you need to repent & change your mind about the way you’ve been living! And, I would challenge you to make it a matter of prayer, every day, to release your stuff back to God! Talk to Him every day, about it, and, give it all back to Him. And, how will you know if you’re making progress? Well, you’ll begin to experience freedom from greed, first of all! When it’s part of your mindset that none of your stuff is really yours, you’ll also begin to experience a freedom from the anxiety that a love of money can bring. It all belongs to God anyway; and, He’s promised to take care of you! So, your dependence transfers from your IRA to God, right? 

Don’t Wander From The Faith

The Apostle Paul warned Timothy, his son in the faith, with these words: “But godliness with contentment is a great gain. For we brought nothing into the world, and we can take nothing out.  But if we have food and clothing, we will be content with these. But those who want to be rich fall into temptation, a trap, and many foolish and harmful desires, which plunge people into ruin and destruction. For the love of money is a root of all kinds of evil, and by craving it, some have wandered away from the faith and pierced themselves with many pains” 1 Timothy 6:6-10. Catch the gravity of Paul’s warning to young Timothy? He tells him that the way he looks at his money & his stuff has a direct correlation to his relationship with God! And, if he gets it wrong he’s in danger of “financial apostasy”; or, wandering from the faith! Don’t do that!

Avoiding An Insignificant Life!

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Next Post July 5th!

A Little Vacation Time

-A Culture Of Consumption!

Let me share something, with you, that you may not know about the average 5-year old in America—the average 5-year old, in America, has 250 toys! Yes! I said 250 toys! Now, let’s apply some math to that. A 5-year old has only lived on planet Earth roughly 250 weeks. So, that 5-year old has grown up getting 1 new toy every week—on average—for their entire life! That’s just the AVERAGE! Some have 500 toys! Others have 1000! And, why are we surprised that they are rarely satisfied? That they are always wanting more? We’ve trained them to be “consumers”, haven’t we? We’re a culture that’s consumed by a desire for more stuff!

-The Stuff We Don’t Have!

We’re constantly exposed to commercials that advertise all the stuff we don’t have; and, telling us that we need it! “Our friends went to Best Buy, on Black Friday, and, got a new 70” Smart TV & our puny 55” TV just doesn’t cut it anymore”—that’s the general mindset of the average American! You take a ride in your friends new car & you love that new car smell! You get back in your old car and it smells like french fries & damp, moldy soccer cleats! You walk through SAMS or Target or COSTCO and you see all this new stuff that you NEED! You didn’t know you need it until you got there & saw what you were missing! Now, I may be exaggerating a bit; but, not by much!

-Managing God’s Estate!

If we’re followers, of Jesus, we can’t tolerate that selfish, consumerism controlling our lives! We must see ourselves—as Scripture tells us—as faithful “stewards” of God’s resources! We “manage” a portion of God’s “estate” that He’s entrusted to our care! How are we doing with that? If you live your life like you think you “own” your stuff, you’ll waste it all on building your own “little kingdom”—you’ll live an insignificant life! For the one, claiming to follow Jesus, we should not fear failure as much as we should fear success at something that really doesn’t matter in light of eternity! We need a constant reminder, from God’s Holy Spirit, that NOTHING we have is truly our own! It all belongs to God! And, whatever He’s given us, He’s trusting us to manage it well for Him; or, to leverage it in a way that builds His “big kingdom”! That’s how we avoid an insignificant life!

-How To Beat Consumerism!

In the Apostle Paul’s 1st letter, to Timothy, he instructed him to: “Instruct those who are rich in the present age not to be arrogant or to set their hope on the uncertainty of wealth, but on God, who richly provides us with all things to enjoy. Instruct them to do what is good, to be rich in good works, to be generous, willing to share, storing up for themselves a good reserve for the age to come, so that they may take hold of life that is real” 1 Timothy 6:17-19. Here’s how I would paraphrase Paul’s challenge—You beat consumerism by denying your flesh & by chasing a new passion! It’s not just enough to deny your flesh! You need to live for a new passion! To the rich, he says, don’t be arrogant (v.17). So, a key, to avoiding the insignificant life, is to renounce the financial pride that can over take us! Remember, it’s not ours!

 

How To Measure Generosity!

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I’ve Left For Some Vacation Time!        Next Post June 13!

-I’m Naturally Selfish!

I confess to you that I’m not naturally a very generous man. I mean, by that, that I’m prone to be selfish! It is almost never my 1st inclination to give financially to meet a need. I have to be prompted by God’s indwelling Holy Spirit. His Spirit prods me to commit a generous “act”; but, constant generosity just doesn’t flow instinctively from me. It’s not one of my gifts! So, I’ve had to ask the Lord to plant generous thoughts in my heart.

-Not The $100 Bill!

I remember one time, during a worship service, that I felt the Lord elbow me to give the bill in my wallet to whatever ministry was participating in our service. When I opened my wallet I saw that it contained a $100 bill—now, I want you to know that’s not a regular thing with me—but, that day I had a $100 bill; and, in front of it a $20 bill. “Lord, certainly you mean for me to give that $20 bill, right?” But, I felt a very distinct impression that He wanted me to give the $100 bill; so, reluctantly, I did!

-I’ve Never Missed What I Gave!

Through the years I’ve felt similarly pressed to give, sometimes more & sometimes less. But, here’s my testimony—I’ve never missed what I’ve given! It has always been absorbed by God’s abundant generosity; so, I’ve always had enough! Here’s what I hope to get across to you in this post—when you give, from a generous heart, it costs you nothing! In other words, you won’t lose what you give away! But, the person who hoards & selfishly holds onto his money, when the offering plate is passed, tends toward poverty! That person lives with the constant struggle to make ends meet. “One person gives freely, yet gains more; another withholds what is right, only to become poor. A generous person will be enriched, and the one who gives a drink of water will receive water” Proverbs 11:24-25. To paraphrase, using The Message, “The world of the generous gets larger and larger; the world of the stingy gets smaller and smaller.” God measures our generosity by our sacrifice! That doesn’t make sense to the unbelieving world. The world says, “If I want to have more, I have to KEEP more.” But, that’s not true in God’s economy—”If I want to have more, I have to give it away!”

-You Can’t Outgive God!

There’s a principle here that says you can’t out give God! Now be careful here! Don’t draw an unbiblical conclusion like those who twist Scripture & preach a “Health, Wealth, and Prosperity Gospel.” God is NOT an investment broker! Don’t expect to put a $100 bill in the offering plate & get $1000 back. Giving that way is not generosity, it’s GREED! The God who knows our heart also knows the motives behind our giving! He measure our generosity by what we sacrifice to give; and, it’s not a sacrifice when we expect to get something back! No, it’s the world of the generous that gets “larger” and “larger.” It might be extra cash in your pocket; but, probably not! Like God extending the life of the Israelites robes & sandals to last 40 years in the wilderness, He may bless us with the extended life of our appliances & vehicles & health!

 

Do I Really Own My Stuff?

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-Or, Am I A Manager?

You don’t want to be on the wrong side of that question! If you don’t listen to the Word of God—when it comes to your finances & your stuff—you’ll forfeit something. God will oppose you as long as you live like an “owner” of YOUR stuff rather than a “steward” or a “manager” of HIS. The prophet, Malachi, was inspired by God’s Spirit to write: “Will a man rob God? Yet you have robbed ME! But you say, ‘In what way have we robbed You?’ In tithes and offerings. You are cursed with a curse” Malachi 3:8,9.

-God Owns It All!

Clearly, God means for us to understand that our resources are not ours to use however we may wish! In my last post I challenged you with Scripture that makes it clear that God owns ALL of it! He doesn’t just get our tithe & offerings; and, the rest is ours to spend on ourselves! He owns it ALL—Deuteronomy 10:14; Haggai 2:8; 1 Corinthians 10:26. As stewards, we are responsible for managing the portion of HIS “estate”—that He has entrusted to us—the way that HE wants it to be managed! We don’t really have the freedom to do what we want with it! Our responsibility is to spend it the way He directs us! We have to get this right, Church! You’re the STEWARD of your stuff, not the OWNER! Repeat that our loud! You need to convince yourself of that!

-Do A Financial Audit!

Here’s what you need to do—you need to do an AUDIT of your finances! And, if God’s Spirit shows you that you’ve been living like an owner instead of a steward, you need to “repent.” Literally, to “repent” means to “change your mind” about something. If you’ve not been obedient, in this area, you need to repent & change your mind about the way you’ve been living! And, I would challenge you to make it a matter of prayer, every day, to release your stuff back to God! Talk to Him every day, about it, and, give it all back to Him. And, how will you know if you’re making progress? Well, you’ll begin to experience freedom from greed, first of all! When it’s part of your mindset that none of your stuff is really yours, you’ll also begin to experience a freedom from the anxiety that a love of money can bring. It’s all Gods anyway; and, He’s promised to take care of you! So, your dependence transfers from your IRA to God, right?

-Don’t Wander From The Faith!

The Apostle Paul warned Timothy, his son in the faith, with these words: “But godliness with contentment is a great gain. For we brought nothing into the world, and we can take nothing out.  But if we have food and clothing, we will be content with these. But those who want to be rich fall into temptation, a trap, and many foolish and harmful desires, which plunge people into ruin and destruction. For the love of money is a root of all kinds of evil, and by craving it, some have wandered away from the faith and pierced themselves with many pains” 1 Timothy 6:6-10. Catch the gravity of Paul’s warning to young Timothy? He tells him that the way he looks at his money & his stuff has a direct correlation to his relationship with God! And, if he gets it wrong he’s in danger of “financial apostasy”; or, wandering from the faith! Don’t do that!