Tag Archives: give

Finding Financial Freedom PART 5

Psalm 62:10 Trust not in oppression, and become not vain in robbery: if riches increase, set not your heart upon them.

In an effort to encourage and help you have more financial freedom, the following resources are recommend:

How to Manage Your Money, Larry Burkett
Giving & Tithing, Larry Burkett
Never Enough?, Blue & Guess
The Total Money Makeover Workbook, Ramsey
Complete Financial Guide for Young Couples, Burkett
Investing Through Your Building Years, Burkett
Investing for the Future, Burkett
Faith Based Finances, Focus on the Family
Living on God’s Economy, Chappell
Faith and Finances, Tim Rosen
Money Map, Crown Financial
Free and Clear, Howard Dayton
The S.A.L.T. Plan, Howard Bentley
Your Money Map (Audio CD), Howard Dayton
Money Matters Workbook for Teens, Larry Burkett
How to Manage Your Money, Larry Burkett
Using Your Money Wisely, Larry Burkett
Business by the Book, Larry Burkett
Money Before Marriage, Larry Burkett
Financial Peace Revisited, Dave Ramsey
Smart Money; Smart Kids, Dave Ramsey

 

 

 

 

 

 

Finding Financial Freedom PART 1

Finding Financial Freedom.  PART 1
Trust not in oppression, and become not vain in robbery: if riches increase, set not your heart upon them. Psalm 62:10

“A father gave his little girl two dollars and said, “You can do anything you want with one of the dollars, but the other dollar belongs to God.” With joy she ran to the candy store. On the way she tripped and one dollar fell into the storm drain. She got up and said, “Well Lord, there goes Your dollar.” -Min127
Last time, we learned in 1 Peter about our inheritance and tremendous wealth we have in Jesus. Sadly, we can be so focused what we do not have (by way of material things) that we lose sight of how the Lord has blessed us.
Others are not good stewards of what God has entrusted. I would like to bring a message today to help you go beyond “scratching out” a living and living “pay check to pay check.”
These Bible principles when faithfully followed will change your financial situation and enable you to use your earthly money for heavenly good.

Making more money is not the issue…
“A very large number (78%) of former NFL players are broke or financially stressed after retirement, and 60% of former NBA players go broke five years after retiring, according to Sports Illustrated.”

They go on to say: “Broke athletes are practically an epidemic.”  The following data is quoted from: http://www.businesspundit.com/25-rich-athletes-who-went-broke/26/

Evander Holyfield
4-time Heavyweight Champion of the World

Estimated lifetime earnings: $250 million
He had a deal with Diet Coke, a video game, the “Real deal” record label, the “Real Deal” grill, and appeared in numerous TV appearances and 3 films. Then, there was the dancing thing. One wonders how Holyfied had time to lose money. The answer: Children. Holyfield fathered 11 of them.
“I’m not broke; I’m just not liquid,” 45-year-old Holyfield claimed when he narrowly avoided charges that he was around $9,000 behind in court-ordered child support payments. The banks foreclosed on his $10 million-dollar home. Even a landscaping firm says the former champ owes them $500k for yard work. Ever since Tyson bit his ear off, it seems everyone wants a piece of the Champ.

 

Johnny Unitas
Hall of Fame quarterback, 3-time MVP, Superbowl champion, 10-time Pro Bowl selection

Estimated lifetime earnings: $4 million

Widely considered one the best pro football QBs of all time, Johnny Unitas set several records that may never be beaten on the football field, like 47 games with a touchdown pass in a row.
He starred in professional football before salaries were measured in millions. His yearly contracts ranged from $7,000, his first in 1956 with the Colts, to $250,000 plus a $175,000 bonus in his last one with the San Diego Chargers in 1973.
After his playing days, he made some money as a TV commentator for CBS. He also invested in tanked business ventures, including a chain of bowling establishments, a prime-rib restaurant, an air-freight company, and Florida real estate investment. He and his wife, Sandra Unitas, filed for personal bankruptcy protection in 1991 after investing in a failed Reisterstown circuit-board manufacturer. He died 11 years later with a lawsuit from his estate hanging over all of his businesses.

Scottie Pippen
All Star, 6 NBA championships

Estimated lifetime earnings: $120 Million
Pippen unsuccessfully sued his former law firm for losing $27 million of his money through poor investments. (He had earned about $110 million in salary alone over a 17-year career.) In February 2007—around the same time as Pippen’s failed NBA comeback attempt—the Missouri Court of Appeals upheld a ruling that the player owed U.S. Bank more than $5 million in principal, interest and attorneys’ fees from a dispute regarding a Grumman Gulfstream II corporate jet that he had purchased in 2001.

Latrell Spreewell
Four-time NBA All Star; last played for the Timberwolves

Estimated lifetime earnings: $50 million
This 13-year NBA veteran turned down the Timberwolves’ $21 million offer to extend his contract for three years because the sum was too low. A mere three years later, federal agents repossessed Sprewell’s yacht, on which he still owed $1.3 million. That was just the beginning. In early 2008, Sprewell defaulted on a $1.5 million mortgage, lost his home to foreclosure, stopped paying his motorsports’ company’s bills, and then defaulted on another home loan, this one worth $10 million.

Michael Vick
#1 overall pick NFL Draft, 3x Pro Bowl QB for the Atlanta Falcons

Estimated lifetime earnings: More than $130 million

Mike Tyson
Undisputed heavyweight boxing champion of the world, youngest man to ever win the WBC, WBA and IBF Heavyweight Titles. First man to win 12 of his first 19 fights in the first round by KO.

Estimated lifetime earnings: $300-400 million
At one point, Tyson was worth less that $700 dollars. But his situation has improved. He appears to be doing well in recovery for drug and alcohol problems.

(Data quoted from: http://www.businesspundit.com/25-rich-athletes-who-went-broke/26/)

Financial discipline is needed, no matter how much money you make.

Come back next week for the next article…

 

 

 

 

 

8 Ways to Love Your Spouse

8 Ways to Love Your Spouse

I like the Reese hearts and the Russel Stover Chocolates.  My wife likes the chocolates and the red roses too.  Each Valentines day we are all reminded about the special relationships many of us are called by God to enjoy – marriage.  A happy and healthy marriage is possible!

If you and your spouse are having issues, do not wait to get help.  Please call me or another Christian counselor today.  Statistically I read some time ago that couples about to divorce wait 6 years too late to get counseling help.  Good news – your marriage perspective can change overnight with a little positive encouragement from a Christian counselor.

For today’s devotional, here are 8 Bible passages that when applied, can demonstrate love towards your spouse.

  1. Stay physically and emotionally faithful to your spouse alone.  This was declared on your wedding day.  Proverbs 5:15 Drink waters out of thine own cistern, and running waters out of thine own well.
  2. Celebrate spiritual, financial, educational, and relational victories. Throw a party for two, go out for coffee, or make a special meal. Ecclesiastes 4:9 Two are better than one; because they have a good reward for their labour.
  3. Be Happy. Happiness is not conditional on circumstances but on the attitude. Happiness is a choice.  Ecclesiastes 9:9 Live joyfully with the wife whom thou lovest all the days of the life of thy vanity, which he hath given thee under the sun, all the days of thy vanity: for that is thy portion in this life, and in thy labour which thou takest under the sun.
  4. Blend everything you do and have together. Feelings, faith, friends, finances, etc. All these things should be combined. Matthew 19:6 Wherefore they are no more twain, but one flesh. What therefore God hath joined together, let not man put asunder.
  5. Choose to make the spiritually right decision. One of you is probably more spiritual than the other.  While the man should lovingly serve with Biblical leadership in the home, it is not always the case. Choose to have a positive, edifying spirit that will build up the other in the things of God. 1 Corinthians 7:14 For the unbelieving husband is sanctified by the wife, and the unbelieving wife is sanctified by the husband: else were your children unclean; but now are they holy.
  6. Modify expectations while not letting any disappointments change you. He made a mess.  She was not ready for intimacy.  Don’t let circumstances become sources of bitterness.  Colossians 3:18-19 Wives, submit yourselves unto your own husbands, as it is fit in the Lord. Husbands, love your wives, and be not bitter against them.
  7. Understand each other. Know how the other thinks. Know the likes and dislikes.  This is something of a challenge!  1 Peter 3:7 Likewise, ye husbands, dwell with them according to knowledge, giving honour unto the wife, as unto the weaker vessel, and as being heirs together of the grace of life; that your prayers be not hindered.
  8. Value and treasure the person God gave to you. God gave you a special gift to have as a companion in life.  While some people are called to “singleness” the Lord gave you a “help meet.”  Treasure this gift with all of your heart.  Proverb 18:22 Whoso findeth a wife findeth a good thing, and obtaineth favour of the LORD.

 

 

 

 

 

 

 

 

 

 

Don’t Be Like Your Dog

Don’t Be Like Your Dog

“A little lad of six was invited out to lunch in a neighbor’s home. As soon as all were seated at the table the food was served. The little boy was puzzled, and, with a child’s frankness, asked, “Don’t you say a prayer before you eat?” The host was uncomfortable, and mumbled, “No, we don’t take time for that.” The lad thought silently for a while, and said, “You’re just like my dog! You start right in.””

Don’t be like your dog on Thanksgiving.  Remember to give thanks to the Lord.

One of my favorite things to do each holiday season is to watch Charlie Brown and his talented dog, Snoopy.  One of the best yearly reminders of God’s blessing to early America can be seen in Charles Schultz’ rendition of the Pilgrims coming over on the Mayflower, meeting Chief Massasoit and Squanto and sitting down to dinner and giving thanks to God for surviving the brutal and deadly winters they were unprepared for.  With little food, a majority of the settlers buried, and with great uncertainty facing the future, they stopped everything to praise and thank the Lord.

It has been said that being truly “thankful” involves “giving.”  After all, the word Thanksgiving is a compound word; and both “Thanks” and Giving” are words rich with meaning.  Grateful people are happy people.  Have you ever seen a complaining, grumbling person?  Sure.  Are they happy?  No.  We are most happy when we have thankful attitudes, grateful words, and gracious actions.  If you are consistently giving praise and thanks to the Lord, you will be less likely to be critical, self absorbed, and feeling negative about life.

We need to be like the Apostle Paul who said in 1 Thessalonians 5:18, “In every thing give thanks: for this is the will of God in Christ Jesus concerning you.”  The early Christians living in the city of Thessalonica were challenged and encouraged to give thanks in everything in life.  Every life stage.  Every circumstance.  Every weather event.  Every electoral cycle.  Every season of life.  Every start to the week.  In.  Everything.  Give.  Thanks.

Happy Thanksgiving!  Thank-you for reading these devotionals.  I am grateful for each reader and pray that these postings will be a help to you.

 

 

 

 

 

(Snoopy rendition by Charles Schulz, from internet search)

The “Value Equation”

The “VALUE EQUATION” 

He that loveth silver shall not be satisfied with silver; nor he that loveth abundance with increase: this is also vanity. Ecclesiastes 5:10

More money and more stuff that money can buy will not satisfy the deepest needs of your heart.  Because we tend to overvalue money and stuff, we can get caught into bad spending habits.  Today, please consider the God given stewardship He has entrusted to you.

How much is money worth to you?  How much are the items you buy worth to you?  What value do you place on the new TV, Phone, Car, etc.???

We can work the math to determine our money and materialistic values.  The “Value Equation” takes into account how much money you make per hour and then divides the total cost of the item you hope to purchase to then tell you how many hours you need to work to buy that item.  For example:

Suppose you make $15 per hour and work 40 hours per week.

Let’s say a new TV will cost $640. You make: $15 an hour.  (Divide cost of item by hourly wage.)

How many hours does it take you to buy the TV?  42.6 hours of work or nearly a full week of work.  That is how you determine value.  Is the TV worth it?  Should you save up a little longer?  Should you wait for the TV to go on sale or consider a different model?  Are discount codes and coupons worth looking for and using this purchase?

Have you ever said “It is only $5?”  That is about 20 minutes of work (at $15/hour).  Looking at money and value this way will help you make better fiscal decisions.

A new iPhone is $800.  800/15 = 53.3.  It will take a person 53.3 hours of work to be able to buy an iPhone.  Factor in all the other real needs you have and the iPhone may not be worth 6 long days of work to.

Remodeling a room in your house? Let’s say a new remodel is $3000.  That is 200 hours of work or 5 weeks of work (at $15/hour and 40 hours per week). Again, the power, gas, and water bill must be paid and you still must eat each day and feed your family.  Consider the insurance bill comes every 6 months and the house payment is a big portion of your budget.  It may be a good idea to save up a little longer to do the remodel.

IF Christians understood the value of money, while learning not to love money, we would become better stewards of the money God has entrusted to us.  “How much is it?” is not the best question to ask.  “How much do I value it?” is better. Greater still, “Is this what God would have me to purchase?” Ask the Lord to help you become better disciplined with His finances.

 

 

 

Making Time to Pray

Making Time to Pray

But the end of all things is at hand: be ye therefore sober, and watch unto prayer.                   1 Peter 4:7

When faced with a big decision or fraught with a new diagnosis, we can start to pray like we never prayed before.  But why wait to pray?  There is much to pray for every day.

Between work and play – we need to make time to pray.

In the verse above, the word “sober” has to do with clear thinking.  Then the word “watch” is used and says we are to “watch unto prayer.”  It means to abstain from wine.  Abstaining from alcohol helps keep the mind clear.  It is a word that when applied indicates having clear attention.  While alcohol clouds the mind, we must be clear headed to pay attention to prayer. The Lord wants us to have a clear mind and level-headed thinking so we can give time to praying.

Most American Christians are too distracted to make time to pray.  For example:

Recode.net says American spend 5 hours watching TV every day. In comparison:  Media and Methods reports the average American spends only five hours per year reading books.”

The A.C. Nielson Co says that “TV viewing began to rise in the 1960’s. It is approximately the same point in time that the Standard Achievement Test scores began to decline. This time frame is significant because the first generation to cut its teeth on TV began taking SATs in the early 1960’s.

Spin.com says Americans listen to 4 hours of music each day.

In many ways, we are “entertained out of our minds!”  Our minds are “clouded- full of entertainment.”  No wonder we do not take the time to pray like we should.  The stats above do not even factor small screen time (cellphones, tablets, etc).

Be sure to “Watch” unto prayer today.  Decisive action and a definite plan to pause and pray can be taken in your life today.

Make some time to pray – today.