Tuesday, May 31, 2011

It's Essential: Give Back

I know, it sounds odd doesn’t it? It goes against everything our society teaches. It doesn’t even make sense mathematically. Still, the truth is, you aren’t going to make any money until you give some of it away.

“Since you excel in so many ways…excel also in this gracious act of giving.” 2 Corinthians 8:7 (NLT)

Let’s start at the beginning. Some time ago, you were nothing. And then we were born. The Bible says you were crafted in your mother’s womb, and God knew you there. He knows the number of hairs on your head, and he gives us each certain gifts and abilities. Your abilities are to help others, and to help yourself. With them you’ll earn a living. He has given this to you. You may have heard that God asks for some of your earnings back. That’s not exactly true. He isn’t asking. He’s telling you.

I often tell my daughter to do things she doesn’t want to do. She doesn’t see the benefit to her, it interferes with what she wants to do in that moment, or it is just no fun whatsoever. But if you’re a parent like me, you know that we often tell our kids to do things for “their own good”. We’ve been there before. We see a bigger picture than our kids can. It is the same with God and us, only we’re the children.

Do not be anxious about anything, but in every situation, by prayer and petition, with thanksgiving, present your requests to God. Philippians 4:6 (NIV)

What God wants of us, through the act of giving, is to establish a lifestyle of generosity. It’s hard to be anxious about anything if you realize it isn’t yours to begin with. Are you free of anxiety when it comes to your finances? Freedom from anxiety is characterized by three inner attitudes.  What we have we received as a gift. What we have is to be cared for by God. What we have is available to others.

If you really want to be free financially, start with tithing. Tithing is ten percent of your income. Less than that is not tithing, it is, quite frankly, disobedience to the God who made you and gives you everything you have. Second, develop a habit of giving things away. To put it simply, de-accumulate.  If you are becoming attached to some possession, consider giving it to someone who needs it. What I’m referring to here is an addiction. Learn to tell the difference between a real or psychological need and an addiction.

He is the potter and you are the clay, to be crafted and molded into the person he has designed. Being molded hurts. It’s painful. Sometimes it takes a long time. But everything beautiful and worth having has gone through this shaping process. Be willing, it will go faster and will probably be less painful.
~Kevin

Saturday, May 14, 2011

Anchors Aren't All Bad

Sometimes when we’re counseling people we hear phrases like, “I don’t know where that will come from”, and “we don’t make enough to match our budget.” In such cases we have to back up and look at the priorities outlined in the budget.
 
A priority is something that is given special attention, or something that comes first. It’s important to know what the top priorities are in your budget before you ever sit down to work on it. Make sure you have some form of shelter – a house, an apartment, or other living arrangements. Make sure you have food to eat. Make sure you have transportation to and from work or school. And make sure you have adequate clothing for your work and/or school. Dave Ramsey calls these priorities the “four walls”.
 
These are constant truths in your budget. You have to make sure that you are covering these things all the time, every month. Perhaps it doesn’t require explaining, but just to be sure, your job is your source of income, so you need to make sure you can get there – transportation – every day in order to earn that income. A budget without any income is not a budget, it’s a wish list. You need shelter to keep from getting sick so you can go to work. Also, you’re not going to do a very good job if you spend much of your day wondering where you’re going to sleep that night. You need clothes for that job, unless you work in a field that doesn’t require clothing. (Seriously, if this is you, please contact my friends at http://www.be-loved.cc/ and get help. You are worth so much more than this.)
 
Once you get these things down, then what? There are four other priorities we believe you need to consider:
  • Give back
  • Saving
  • Get out of debt
  • Do it now
These serve as anchors in your financial life, providing stability so that when the storms of life come and the waves crash into you, you won’t be crushed. Over the next couple of weeks we’ll cover each one in more detail.
~Kevin