Good Morning Everyone,
Our theme for this month: “Living with no excuses”
Our Bible verse for today: “Well done, good and faithful servant! You have been faithful with a few things; I will put you in charge of many things. Come and share your master’s happiness!” Matthew 25:23 (NIV)
Our thought for today: “Handle your finances well.”
As a Pastor I spend a lot of time working with individuals and families who are struggling. The issues vary from one situation to another but one common complicating factor is financial problems. If money problems are not the primary issue, it is often a complicating factor.
Few things in life cause as much stress as money problems. Usually those problems are rooted in poor financial discipline. Rarely do I encounter a person who has established good financial habits, and maintained them over a long period of time, who is now in financial distress. Almost always they have financial problems (either as their primary issue or as a complicating factor) because of poor financial habits.
Even though we live in the wealthiest nation in the world, with the highest standard of living found anywhere in the world, most middle class Americans have money problems. They spend everything they earn; then they start looking for additional sources of income (like sending Mom out to work instead of staying at home to take care of the children); and then, when two incomes still aren’t enough, they go deeply into debt to acquire even more stuff.
Most of us live beyond our means. We spend more than we earn. Our homes are too big and expensive, our vehicles come with huge monthly payments, we pay for Christmas and vacations on credit cards, and we simply spend too much money – money we don’t really have.
All of that creates great stress in life and that then becomes fertile soil from which grows all sorts of other problems. A better way is to live modestly, below your means. Whatever your income is, you live on a little less than that. That will probably mean that you own a smaller home, drive a less expensive car, and only buy things you actually have the cash to pay for. It will also mean faithfully giving a full tithe to your church, and putting money in savings each month.
God expects us to be good stewards of the money He has entrusted us with. We are to live simply not extravagantly. We are to use some of our income to help further His kingdom-building work here on earth, and we are to generously bless others.
Do you have a goal for 2018 to be a better steward of the money God will entrust to you? One of the best resources available for becoming a good money manager is the Dave Ramsey series of books and workshops “Financial Peace University” and “The Total Money Makeover”. You will find them to be very helpful. I encourage you to consider ways in which you and your family can do a better job of handling your money in 2018.
God Bless,
Pastor Jim